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About the Role
Play a key role in improving how home loan applications are assessed and processed by identifying opportunities to simplify policy, improve business rules, strengthen automation outcomes, and reduce manual intervention through analytical insights and portfolio intelligence.
Responsibilities
- Review credit policies, processes and business rules to improve automated decisioning outcomes
- Translate analytical findings into practical policy and operational improvements
- Support decision engine and business rule optimisation initiatives
- Collaborate with analysts to identify trends, bottlenecks and root causes within application journeys
- Prepare recommendations and implementation plans for key stakeholders
- Assess customer, risk and operational impacts of proposed changes
- Support delivery of automation and process improvement initiatives
- Monitor outcomes and identify further opportunities to improve performance
Requirements
- Strong lending and credit risk experience with a practical understanding of analytics, automation and evidence-based decision making
- Experience within mortgage lending, credit risk, lending policy, credit assessment or credit strategy
- Understanding of responsible lending obligations and credit risk frameworks
- Experience developing or implementing lending policies, operational processes or business rules
- Ability to influence stakeholders and drive outcome-focused change
- Experience working within decision engine, credit decisioning or automated lending environments
- Demonstrated hands-on experience using tools such as SQL, SAS, Python, R, Tableau, Power BI and AI tools
- Understanding of business rules frameworks and policy translation into system-based outcomes
- Exposure to workflow automation and operational process improvement initiatives
- Experience with credit strategy systems, decisioning tools or lending technology platforms
- Understanding of data architecture concepts and data flows that support credit decisions
- Familiarity with advanced analytics techniques and performance analysis methodologies
- Exposure to machine learning, predictive models or AI-supported decisioning environment
- Experience using process mining, operational analytics or root-cause analysis techniques
- Ability to translate analytical insights into policy, process and customer outcomes
Skills
- SQL
- SAS
- Python
- R
- Tableau
- Power BI
- AI tools
- Process mining
- Operational analytics
- Root-cause analysis
Location
- Australia
Work Type
- Full-time
Experience Level
- Manager
Education Level
- Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Business, Risk Management, Information Systems or a related discipline
- Relevant industry certifications, lending qualifications or analytics-related credentials
About the Company
- Retail Banking Services supports more than 10 million personal and small business customers with market-leading products, services and digital experiences.
- Within Home Buying Credit Risk, you'll join a newly established team focused on using analytics, automation and policy expertise to improve credit decisioning outcomes.
- At CommBank, we advocate and facilitate a culture of inclusion and respect, celebrating all cultures, abilities, genders, expressions of gender and sexual orientation.
- Our people bring their diverse backgrounds and unique perspectives to build a respectful, inclusive and flexible workplace.
- We are working hard to recruit people who represent the diversity of our customers and our society.
- CommBank will inspire you with work that makes a difference, surround you with talented people that respect and value each other, and empower you to grow professionally and personally.
- Making a positive impact for customers, communities and each other is part of our every day.
- We’re determined to make a real difference for Australia’s first peoples.
Equal Opportunity
- We advocate and facilitate a culture of inclusion and respect, celebrating all cultures, abilities, genders, expressions of gender and sexual orientation.
- Our people bring their diverse backgrounds and unique perspectives to build a respectful, inclusive and flexible workplace.
- We are working hard to recruit people who represent the diversity of our customers and our society.
- If you're excited about this opportunity but you don't meet every single requirement, or your experience doesn't align perfectly, we still want to encourage you to send in your application.