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About the Role
As Credit Risk Manager, Policy Simplification, you will help drive the simplification and optimisation of Home Lending credit policy. You will reduce unnecessary complexity, improve customer journeys and support greater automation of credit risk decisioning, while ensuring responsible lending and maintaining alignment with Home Buying’s credit appetite and the Group credit policy framework.
Responsibilities
- Reviewing, forming and clearly articulating Home Lending credit policy
- Engaging with frontline, decisioning and business stakeholders to identify opportunities to simplify or rewrite policy
- Defining and refining the business rules and guidance materials that support credit policy
- Assessing channel and business-unit needs to ensure policy requirements can be applied effectively
- Using customer, portfolio and market insights to identify emerging risks and opportunities
- Supporting business cases, implementation plans and the delivery of policy and process improvements
Requirements
- Experience in credit risk management, with Home Lending or consumer-lending experience highly regarded
- Ability to interpret, review and clearly articulate credit policy, business rules and supporting guidance
- Strong stakeholder management and influencing skills, with the ability to build trusted relationships across risk, product, decisioning and frontline teams
- Ability to use customer, market and portfolio insights to identify risks, simplify processes and improve policy outcomes
- Excellent written communication, attention to detail and the ability to translate complex requirements into clear, practical language
- Organised, commercially minded and comfortable contributing to change initiatives in a flexible, multi-skilled environment
Skills
- Credit Risk Management
- Home Lending
- Consumer Lending
- Policy Interpretation
- Business Rules Definition
- Stakeholder Management
- Influencing
- Relationship Building
- Customer Insights
- Market Insights
- Portfolio Insights
- Risk Identification
- Process Simplification
- Policy Improvement
- Written Communication
- Attention to Detail
- Complex Requirement Translation
- Commercial Acumen
- Change Management
Location
- Sydney
- Melbourne
- Brisbane
- Perth
Work Type
- Hybrid
Education Level
- Qualification in business, finance or a related discipline is desirable
About the Company
- The Home Loans Product, Pricing and Credit Risk team is responsible for the end-to-end performance of CBA’s retail home loan products, including product and feature design, pricing, policy and credit risk management.
- Within this broader function, the Credit Risk team proactively manages and optimises the Home Loan portfolio through strategy, analytics and credit policy.
- The team works across multiple priorities, bringing together customer, commercial and risk perspectives to support sustainable portfolio performance.