Strategic Credit Risk Model Leader

4 days ago

Sydney, New South Wales, Australia beBeeCredit Full time $130,000 - $170,000
Job Description

Lead the Development, Enhancement, and Monitoring of Credit Risk Models

The Commonwealth Bank's Home Buying Core Manufacturing Crew has end-to-end responsibility for home loans core product development, pricing, and credit risk together with analytics and modelling. We support digital channels to meet customers' home ownership goals.

  • Create new core home loan products and features
  • Pricing strategy and optimisation with a view to achieving the right balance between volume growth and margin trade-off
  • Credit risk strategy management and optimisation to achieve sound lending decisions and grow a quality home loan portfolio
  • Use advanced analytics and machine learning models to support credit risk and pricing strategies

Key Responsibilities:

  • Develop, enhance, and monitor key credit risk models, including Home Loan Application and Behavioural Scorecards and Profitability Models
  • Streamline and innovate credit risk processes using agentic and generative AI while meeting regulatory expectations and organisational risk appetite
  • Lead a high-performing Decision Scientists squad, fostering an inclusive environment that encourages innovation and accountability
  • Build the product roadmap and prioritise the Squad backlog in collaboration with key stakeholders, ensuring alignment with business goals, regulatory requirements, and customer needs
  • Drive iterative improvements through product discovery techniques, such as feasibility assessments and experimentation
  • Manage dependencies, risks, and compliance obligations ensuring adherence to internal frameworks (e.g., Group Model Policy, Change Management Risk Standard) and external regulatory standards
  • Stay abreast of market trends, regulatory changes, and emerging technologies
  • Collaborate with stakeholders across Finance, Risk Management, and the Home Buying Core Manufacturing Crew Credit Risk Value Stream to ensure seamless delivery of initiatives and resolution of issues

Requirements:

  • Experience in Retail Credit Risk or Retail Credit Modelling is essential
  • Experience managing decision science and advanced analytics teams
  • Ability to translate a product vision into a roadmap
  • Commercial acumen and stakeholder engagement skills
  • Advanced written and oral communication skills with ability to explain complex concepts using simple language
  • Problem-solving capability
  • Risk Mindset: All employees are expected to proactively identify and understand, openly discuss and act on current and future risks

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