Credit Risk Specialist

2 weeks ago


Sydney, Australia Commonwealth Bank Full time

Credit Risk Manager

The Home Loans Product, Pricing & Portfolio Protection team is responsible for the E2E product performance of all our retail home loan products, including product and feature design, pricing, policy and risk management. We aim to deliver simple and easy customer focused products which drive market share and profitable growth.

The Credit Risk team is responsible for proactively managing and optimising the credit risk of the Home Loan portfolio, disciplined in analytics and modelling to drive portfolio strategy. The team is responsible for ensuring the sound credit quality of the portfolio, with an objective of outperforming the market through the economic cycle.

Role and Responsibilities:
The insights you provide will support Home Buying’s objective to maintain sound lending credit in the current environment and to outperform the market through the economic cycle.

The RMG team purpose is to provide white-labelled home loan product solutions to our distribution partners, offering a simpler and faster alternative lending experience for customers. Leveraging the strength of CBA and the agility of our third party suppliers, RMG delivers sustainable market share and profit growth to the RBS Home Buying business.

Your responsibilities will include managing the credit portfolio through:
- Deliver high quality, accurate and timely analytics using industry standard tools to solve business problems.- Produce high quality, data driven recommendations.- End to end credit risk management for RMG portfolio.- Provide people management and technical guidance to the team.- Support wide range of internal and potentially external stakeholders with timely and accurate data and insights.- Utilise product, customer and channel portfolio knowledge and context to develop insights and analytical solutions pertaining to business performance.- Build and maintain strong relationships with internal and potentially external business stakeholders

We want to hear from you if you have:
- Stakeholder management and influencing skills and the ability to build rapport.- Technical capabilities SQL, SAS, R and Tableau- Broad experience in Credit Risk management roles.- Modelling Experience and the ability to explain existing models to clients and describes their associated business processes. The capacity to make sound commercial decisions and solve problems to achieve optimal results.- Knowledge of risk management principles/measures.- Credit Risk
- Development and optimisation of credit risk models, scorecards, decisioning strategies and geographic business rules to optimise the risk reward trade-offs in the Home Buying business.- Demonstrated experience in analytics and/or business intelligence.- Report writing and presentation skills.-Sidekick
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Advertising End Date: 20/01/2023


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