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About the Role

This is a hands-on role for a data-minded risk professional who enjoys deep analytical work and translating complex data into actionable business insights. You will use strong analytical capability and technical expertise to support credit strategy improvement across the full lifecycle, including originations, portfolio management, and collections. You will focus on analytical discovery and insight development.

Responsibilities

Define analytical problems and data requirements
Analyse portfolio, process, and decisioning performance
Develop insights and identify emerging patterns or risks
Recommend strategy or rule changes based on analysis
Support post-implementation monitoring and performance tracking
Analyse portfolio trends, drivers, emerging risks, and opportunities across the credit lifecycle
Identify performance shifts and translate findings into clear, actionable recommendations
Provide analytical support to credit strategy development through segmentation analysis, decisioning performance review, and impact modelling
Support the design and testing of rule changes and policy adjustments
Use data and analytical tools to uncover meaningful patterns, validate business hypotheses, and quantify the impact of credit decisions on portfolio outcomes
Use advanced analytics, data tools, and modern platforms to improve portfolio understanding, strengthen decision quality, and identify opportunities to enhance credit strategies and processes
Partner with business, technology, operations, and risk teams to provide analytical support for credit decisions, ensure data quality, and help translate analysis into operational outcomes

Requirements

Experience in credit risk, banking, or another analytics-led decision environment where you have supported analytical or portfolio analysis work
Strong analytical capability, with the ability to interpret complex data, identify meaningful patterns, and derive insights that inform action
Ability to translate analysis into clear, practical recommendations that balance customer outcomes, risk appetite, and business performance
Sound understanding of Australian retail credit portfolios, including key segments, performance drivers, and the broader risk landscape
Working knowledge of core portfolio metrics such as losses, recoveries, provisions, and return outcomes
Strong problem-solving, structured thinking, and analytical reasoning skills
Experience communicating analytical findings clearly to business and risk stakeholders
A curious mindset and willingness to keep learning and improving
You don't need to meet every requirement listed above. If your experience aligns strongly with many of these areas and you're excited by the opportunity to grow your analytical expertise in credit risk, we encourage you to apply.

Skills

SQL
Python
SAS
Excel
Tableau
BigQuery
Snowflake

Location

Half their time each month connecting in office

Work Type

Flexibility
Changing start and finish times
Part-time arrangements
Job share

Experience Level

Senior

Education Level

Tertiary qualification in a quantitative, analytical, commercial, legal, technology, or related discipline is valued, or equivalent practical experience

About the Company

At its core, credit is trust extended over time. Every credit decision shapes customer outcomes, portfolio performance, and the long-term resilience of the bank. To support the modernisation of our function we are building a more integrated, insight-led practitioner model that goes beyond reporting by playing an active role in shaping outcomes.
This role reflects a broader shift in how Credit Risk operates, toward a more connected, insight-driven and outcomes-focused practitioner model.
You will have the opportunity to influence portfolio outcomes by helping shape credit decisions, improving governance and controls, strengthening decision quality and contributing to the evolution of modern credit practices.
You will join a team that values curiosity, accountability, collaboration and continuous improvement where team members are encouraged to own outcomes, challenge constructively and grow capability over time.

Equal Opportunity

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