Strategy and Analytics Manager

**You are **a curious and enthusiastic Credit Risk Manager with a passion for strategy and analytics.
- **We are **a highly engaged team with a passion for innovation and continuous improvement.
- **Together we can **build a brighter future for our customers and communities and provide insightful risk leadership across the Group

**Business & Team
**Retail Banking Services (RBS) is the public face of CommBank, delivering a seamless banking experience for the future, to our 10 million + personal and small business customers. We offer market-leading products and services, supported by some of the world’s best systems and processes.

RBS Consumer Finance manages the development and delivery of all retail credit products, including Credit Cards, Personal Loans and Simple Credit products including Buy Now Pay Later.

The Credit Risk and CommAssets Crew within RBS Consumer Finance is accountable for managing all credit risk lending policies, strategies, automated decisioning, models and Comprehensive Credit Reporting, in conjunction with the data and systems that support this activity across Consumer Finance.

**Your Impact & Contribution
**As a member of the Credit Risk and CommAssets Crew, you will be responsible for development and implementation of credit risk strategies, including but not limited to, data-driven business rule changes, using models to set optimised profit decisions, and various strategies to drive acquisition and manage risk for CommBank’s Credit Card and BNPL Portfolios.

Having strong credit risk business acumen, solid analytical and technical skills, and an understanding of credit decisioning systems will set you up for success in this role. Experience driving and delivering Credit Risk initiatives and changes end-to-end is highly preferred. You will report to a Product and Solutions Chapter Lead and be an integrated member of your squad on a daily basis.

**Your Roles & Responsibilities**
- Leverage insights to drive innovation and deliver new credit risk strategies and product features using data and analytics
- Optimise origination policies and take accountability of the delivery of new credit risk strategies for unsecured products
- Use acquisition models to make decisions optimised for profit, whilst balancing account growth and exposure
- Work collaboratively with key stakeholders across Consumer Finance Crews, including modelling, technology, and product teams
- Provide senior leadership team with recommendations for credit strategy optimisation
- Support world-class credit decisioning system migrations and upgrades
- Identify and manage risks, dependencies, and issues in line with the requirements of operational risk and compliance outcomes
- Communicate project status, blockers, dependencies, issues, and risks to a variety of stakeholders

**Your Skills and Experience**
- In-depth knowledge of credit risk business & technologies, ideally in originations and/or credit underwriting of unsecured products
- Strong insight and analytical experience, with the ability to navigate through the complex datasets using analytical tools e.g., SQL, R, Teradata, or Python
- Proficiency in advanced modelling techniques for credit risk decisioning to optimise credit risk outcomes
- Demonstrable experience of leading an initiative from inception to implementation in collaboration with a cross-functional team and various stakeholders, including writing & communicating business requirements with a technology team, leading the pre & post implementation testing and validations
- Demonstrable ability to challenge the status quo, and a keen eye for process improvement
- Strong communication and stakeholder management skills
- Experience working in an agile environment
- Experience in coaching people
- W _e operate in a hybrid working environment, meaning an equal blend between being in the office and working remotely. _

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Advertising End Date: 04/10/2024