Manager - Business Lending Portfolio Analytics

3 months ago


Sydney, Australia Commonwealth Bank Full time

**Manager - Business Lending Portfolio Analytics**

**Your Business**

Business Banking (BB) manages relationships with Commonwealth Bank’s small-medium enterprise customers, mid-market corporate customers, and regional and agribusiness customers, providing a wide range of financial services and solutions. It also services our personal and institutional online trading customers.

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. It works closely with bankers, data and analytics, digital and customer experience teams.

**Your Team**

The Pricing & Capital Team is accountable for Business Lending price settings and approvals, optimisation of capital efficiency for business lending customers, and analysis of relationship and portfolio returns to drive the Business Bank’s strategic growth objectives and risk adjusted returns.

**Your Responsibilities**

You will be primarily responsible for developing and maintain the Business Lending portfolio analytics suite (both descriptive and predictive), delivering actionable insights to senior stakeholders and working within a team. Specifically, this will involve:

- Designing, developing and maintaining a leading portfolio analytics framework for the Business Lending Portfolio
- You will be responsible in transforming the rich portfolio data assets into insightful information used to help shape the pricing strategies of the Business Lending portfolio. This will involve:

- Using your commercial acumen, design useful analytics that will add value to portfolio management and pricing strategy
- Providing guidance to the team in developing robust and systematic processes to operationalise the analytics framework
- Maintaining and continually improving the tools and processes created
- Presenting information to senior stakeholders to help influence portfolio strategy
- Helping generate, implement and test the robustness of portfolio pricing strategies
- Using the insights from the team, you will also help to generate ideas and take them through to implementation. This will involve:

- Designing and monitoring pricing strategies that optimise client and stakeholder value
- Assisting in the maintenance and improvement of the DPX pricing business rules engine
- Managing and providing recommendations on the Transfer Pricing treatment for Business Lending products

**We're interested in hearing from people who have**:
**Essential**
- 2-4 years experience with strong SQL programming skills with experience in querying and managing large data assets
- A commercial mind-set to transform data into business outcomes
- Strong quantitative / problem-solving mind-set to be able to deal with ambiguity and incomplete information
- Robust understanding of business finance concepts
- Ability to communicate and visualise data and deliver recommendations clearly and logically across relevant stakeholder groups (sales, data analytics, systems, finance)

**Highly Desirable**
- Previous experience working in a commercial lending and/or business bank context
- Strong experience with programming languages such as python, R or SAS
- Experience with data visualization packages such as Power BI, R-shiny, Tableau or VBA/Excel
- Exposure to Big Data and large complex data environments (e.g. Finance, Retail, Marketing)

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Advertising End Date: 15/10/2024



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