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Manager Credit Portfolio Management

1 month ago

Sydney, Australia Commonwealth Bank of Australia Full time

Manager Credit Portfolio Management

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.

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 uses a data-driven approach to support the BL Financial Risk Committee monitor credit performance and ensure portfolios operate within Business Banking risk appetite. Key to this is a deep understanding and oversight of portfolio credit performance, key risk indicators and return on equity. 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.

The role requires balanced capabilities in data, dashboard development, financial analytics, credit risk expertise commercial acumen and strong stakeholder engagement to recommend and drive initiatives to optimise financial risk outcomes for customers and the business.

**What will you be doing**
- Detailed analysis of risk and financial data to investigate developing trends relating to write-off, 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.
- Active engagement with key stakeholders to provide credit risk support as well as influence prioritisation of initiatives to optimise credit and Time To Decision (TTD) outcomes.
- Review and recalibrate key risk indicators and thresholds to ensure they continue to accurately measure and reflect BB risk appetite.

**We're interested in hearing from people who have**:

- Strong experience in using data driven analytics to develop insights, reporting and recommendations
- Advanced 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.
- Strong stakeholder engagement and influencing to drive change and actions.
- Degree in relevant discipline (Accounting, Economics, Statistics, Maths, Actuarial, Finance, Engineering or 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 risk-reward concept and translating this into portfolio insights or credit strategies;
- Subject matter expert - Proven experience in using best practice across analytics, data management, risk management, and governance.

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Advertising End Date: 13/06/2024

Job ID REQ212121

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