Credit Risk Optimization Manager
6 days ago
About the Role: We're seeking an experienced credit risk professional to lead our credit risk optimization efforts. As a key member of our team, you will be responsible for developing and implementing strategies that balance growth, customer experience, and credit risk.
Main Responsibilities:
- Develop and oversee credit risk strategies that align with the bank's objectives, ensuring consideration of customers' needs, risk appetite, profitability, and growth goals.
- Lead the optimization of end-to-end credit acquisitions using scorecards, serviceability assessments, business rules, lending origination tools, credit engines, and other automation tools.
- Design and implement regular reporting and analysis on application trends, new originations, and portfolio performance, highlighting key insights and recommendations.
- Maintain and monitor data quality for credit risk tools, providing succinct summaries to executive and credit committees.
- Support ongoing management of the provision model, including reporting and reviewing its fitness for purpose.
- Contribute to sustainable growth through reduced cost of decisioning and improved risk-reward outcomes for new lending.
About You:
- You have extensive experience in credit risk management roles within financial services, with a deep understanding of commonly used credit tools and decision engines.
- You possess excellent analytical and problem-solving skills, with proficiency in data extraction, manipulation, and analysis (DataBricks, SAS, SQL).
- You have strong communication and stakeholder management skills, with the ability to influence the direction of credit strategy and apply technical expertise to implement it across multiple models.
About Great Southern Bank: We're committed to building a strong, inclusive, and diverse workplace where everyone feels valued, connected, and respected. Our success benefits everyday people and families, and we offer a range of fantastic benefits, including study leave, professional wellbeing coaching, access to our wellbeing centre, and flexibility to work from home two days a week.
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