Analyst - Credit Portfolio Management

2 weeks ago

Sydney, New South Wales, Australia Commonwealth Bank Full time

You are analytical and eager to learn
-
We are passionate about data and automation
-
Together we can revolutionise the customer experience

Do work that matters


Business Lending (BL) is a product and specialised sales team that offers working capital, business loans, asset finance, corporate finance, and property finance to our customers.

It also has responsibility for Line 1 risk and controls for these products.

BL is directly responsible for product management, process management, portfolio and pricing management and arrears and financial difficulty management. It also works closely with bankers, data and analytics, digital and customer experience teams.

Our vision is to be Australia's leading business bank, by excelling at securing and enhancing the financial wellbeing of people, businesses, and communities.


See yourself in our team


The Credit Portfolio Management (CPM) team is a part of the Credit Risk Centre of Excellence (CoE); the role of the team is to monitor and optimise the credit quality of the Business Lending portfolio to ensure safe and sustainable growth.

It also helps to empower BL teams through credit risk capability uplift by providing self-service and advisory services to support initiatives.

The team then works closely with product, arrears management, pricing and frontline teams to develop initiatives to optimise the BL risk-return profile as well as improve Time To Decision (TTD) outcomes

In this role


The role requires balanced capabilities in data, dashboard development, financial analytics, and credit risk acumen to develop insights to optimise financial risk outcomes for customers and the business.


We use a data-driven approach to support the BL Financial Risk Committee monitor credit performance and ensure portfolios operate within Business Banking risk appetite.

The key to this is a deep understanding and oversight of portfolio credit performance, key risk indicators and return on equity.


Your responsibilities will include

  • Detailed analysis of risk and financial data to investigate developing trends relating to writeoff, loss rates and troublesome assets, with a focus on identifying actionable insights to optimise the risk and return profile of the portfolio.
  • Develop new targeted returns vs. risk dashboards for BL teams that provide visibility of portfolio Flow (Origination) and Stock quality that allow easy interrogation and insights.
  • Recommend initiatives to optimise BL portfolio composition by performing detailed qualitative and quantitative driver analysis of credit risk, Return on Equity (RoE) and Profit after Capital Charge (PACC) measures.
  • Review and recalibrate key risk indicators and thresholds to ensure they continue to accurately measure and reflect BB risk appetite.
  • There will also be the opportunity to work with adjacent Centre of Excellence teams to develop automated decisioning and credit strategies to support customer outcomes.

We're interested in hearing from people who have:

  • 1 year in credit risk or similar experience (e.g. analytics)
  • Strong acumen in using data driven analytics to develop insights, reporting and recommendations
  • Strong knowledge of SQL, Tableau, Excel, R.
  • Strong qualitative and quantitative analytical capabilities to solve complex problems and recommend intuitive initiatives.
  • Finance and/or Credit Risk Management experience will be highly regarded.
  • Degree in relevant discipline (Accounting, Economics, Statistics, Maths, Actuarial, Finance, Engineering or Computer Sciences).


 Risk Mindset
  • All CommBank employees are expected to proactively identify and understand, openly discuss and act on current and future risks;


 Stakeholder Management
  • Demonstrated ability to translate complex concepts into simplified stakeholder key messages and present to senior leaders;


 Commercial acumen
  • Demonstrated understanding of riskreward concept and translating this into portfolio insights or credit strategies;

Working with us


We support our people with at least half your time each month connecting in the Sydney office, allowing for flexibility in the remaining time.

We have many other flexible working options available including changing start and finish times. Talk to us about how these arrangements might work for you.

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Advertising End Date: 27/06/2024

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