Credit Strategy Automation Manager

Credit Strategy Automation Manager

Business Bank (BB) secures and enhances the financial wellbeing of people, businesses and communities, particularly CBA's small and medium sized enterprise clients. This includes those in rural and regional areas, as well as the needs of CBA's online trading and broking customers. Business Lending (BL) is a product and specialised team that offers working capital, business loans, asset finance, corporate and property finance to our customers. As a crew we are focused on enhancing the customer experience, to be the #1 business lender in Australia.

See yourself in our team

The Business Credit Risk Strategy Centre of Excellence is responsible for developing automated credit strategies that provide the best lending experience for our customers, within risk appetite. We build credit strategies to support the automation of business lending, in-life processes and arrears management.

We use data, analytics, risk management practices and commercial acumen to build strategies that provide the best risk-reward outcome.

In this role

As a manager, you will be responsible for implementing and automating credit strategies for Business Lending products.

You will lead the end-to-end delivery of credit strategy changes in credit decisioning system and tactical processes, driving business optimisation while ensuring strong customer outcomes. You will automate credit strategy processes and controls to enable rapid test-and-learn cycles through tactical processes, user-developed tools, etc.

The right candidate will be analytical and engineering-minded, with a keen attention to detail. They take pride in their work, going the extra mile to provide high quality output. They will be self-reliant and driven, taking ownership of their work.

This role reports to the Senior Manager, Credit Strategy Automation.

Some of the key responsibilities include

• Manage end-to-end credit strategy changes in Experian One, such as changes to scorecard cutoff, serviceability parameters, etc.
• Develop and implement data insights strategies that support business goals and objectives.
• Collect, analyse and interpret data from multiple sources to identify trends, patterns and insights.
• Oversee the design and implementation of data architecture, modelling and visualisation techniques.
• Monitor technologies, techniques and processes for capturing business intelligence, adjusting business processes where applicable.
• Collaborate with cross functional teams to ensure data analytics solutions align with business goals.
• Communicate technical insights and recommendations to senior executives and stakeholders in a clear and concise manner.
• Manage projects and ensure timely delivery of high-quality deliverables.
• Ensure data used for analysis is accurate, complete and up to date.
• Stay up to date with emerging trends in data analytics, data science, AI and technology and share findings with team.
• May oversee a small team of analysts, providing guidance, mentoring and training to help improve their skill and achieve their goals.

We're interested in hearing from people who

• Have 3+ years in credit risk or similar experience (e.g. analytics)
• Are proficient in data analytics tools eg: R/Python/SAS/SQL/Teradata, and MS Suite
• Have proven ability to work with large data sets to implement complex credit strategies
• Have ability to understand complex problems and take a structured approach to solve
• Have experience in system change management and Knowledge of DevOps best Practices
• Have experience in troubleshooting complex data/technical issues
• Are able to communicate complex concepts into simplified messages for stakeholders
• Are comfortable working independently with a sound problem-solving mindset
• Preferred experience in Experian PowerCurve decisioning platform

Working with us

Whether you're passionate about leadership, cloud, driven by data, or inspired by automation, a career with CommBank is for you.

Our people bring diverse backgrounds and unique perspectives to build a respectful, inclusive, and flexible workplace. One where we are driven by our values, and supported to share ideas, initiatives, and energy. One where making a positive impact for customers, communities, and each other is part of our every day.

You'll be supported when faced with challenges and empowered to tackle new opportunities. We are hiring talent from across all of Australia. We really love working here—and we think you will too.

If you're already part of the Commonwealth Bank Group (including Bankwest, x15ventures), you'll need to apply through Sidekick to submit a valid application. We're keen to support you with the next step in your career.

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