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About the Role
Risk Management at CommBank protects the Group’s interests through insightful risk leadership and an independent, commercially minded approach. The Consumer Finance & Collections - Credit Strategy & Assurance team provides oversight and strategic assurance across major consumer lending and collections portfolios, offering a unique view across the customer credit lifecycle. This role involves leveraging analytics, strategy, and influence to identify risks and opportunities, challenge thinking, and shape future directions in Consumer Finance and Collections.
Responsibilities
- Develop a deep understanding of portfolio performance, customer behaviours and external market conditions to identify emerging risks, opportunities and areas requiring management attention.
- Generate meaningful insights through the interpretation of quantitative analysis, qualitative observations and broader economic, regulatory and competitive factors.
- Assess complex and often competing drivers of portfolio outcomes, applying sound judgement to distinguish meaningful signals from noise and identify factors influencing future portfolio performance.
- Influence the development and evolution of credit risk strategies through trusted advice, evidence-based recommendations and constructive challenge of material business decisions.
- Lead deep-dive analysis, thematic reviews and assurance activities that uncover underlying portfolio trends and drivers.
- Translate sophisticated analytical findings into clear, compelling narratives, executive reporting and commercially sound recommendations for senior stakeholders and governance forums.
- Partner across Risk, Product and the broader business to evaluate the impact of customer, portfolio, economic and regulatory developments.
- Foster a culture of analytical excellence, intellectual curiosity and sound risk judgement by mentoring emerging talent, sharing expertise and embedding best-practice risk management principles and behaviours.
Requirements
- Significant experience in Credit Risk, Risk Analytics, Portfolio Management, Credit Strategy, Quantitative Risk or a closely related discipline within financial services.
- Deep portfolio analytics expertise, with the ability to interpret complex datasets and identify the underlying drivers of customer, portfolio and risk outcomes.
- Strong commercial acumen and strategic thinking, with a demonstrated ability to balance customer, commercial, regulatory and risk considerations when making recommendations.
- Advanced analytical and problem-solving capability.
- Experience influencing senior leaders through trusted advice, evidence-based recommendations and constructive challenge within complex organisational environments.
- A proactive and forward-looking mindset, with the ability to anticipate emerging risks, identify opportunities and drive thoughtful, data-informed decision-making.
- A passion for developing capability in others, fostering analytical excellence and embedding best-practice risk management principles across teams.
Skills
- SQL
- Python
- SAS
- R
- Quantitative analysis
- Qualitative nuance
- Communication
- Stakeholder engagement
- Mentoring
About the Company
- At CommBank, Risk Management plays a critical role in protecting the Group’s interests through insightful risk leadership and an independent, commercially minded approach to managing risk.
- Trusted by the Board and regulators, the function provides the oversight, challenge and governance that enable sustainable growth within an acceptable level of risk.
- Within Risk Management, the Consumer Finance & Collections - Credit Strategy & Assurance crew provides independent oversight and strategic assurance across some of Australia’s largest consumer lending and collections portfolios, spanning Credit Cards, Personal Loans, Buy Now Pay Later and Retail Collections.
- This breadth provides a unique view across the customer credit lifecycle, from portfolio growth and performance through to customer support, recovery and long-term portfolio outcomes.
- This is a team where analytics, strategy and influence converge.
- Leveraging deep portfolio insight, quantitative analysis and commercial judgement, the team identifies emerging risks and opportunities, challenges conventional thinking and helps shape the future direction of Consumer Finance and Collections.
- They provide independent perspectives that help leaders navigate complex decisions while balancing customer outcomes, portfolio performance and prudent risk management.
- You'll be joining a highly collaborative team that values curiosity, critical thinking and intellectual rigour.
- Success comes from looking beyond the numbers, understanding the underlying drivers of portfolio performance and translating complex data into meaningful insights that influence strategy, strengthen decision-making and create better outcomes for customers, the business and the wider community.
Equal Opportunity
- At CommBank, we're committed to creating an accessible, inclusive and respectful workplace.
- If you require support or adjustments during the recruitment process, please let us know.
- We welcome applications from people of all backgrounds and are particularly committed to making a positive difference for Aboriginal and/or Torres Strait Islander Peoples.
- We're aware of some accessibility issues on this site, particularly for screen reader users. We want to make finding your dream job as easy as possible, so if you require additional support please contact HR Direct on 1800 989 696.