Senior Credit Risk Practitioner

Senior Credit Risk Practitioner – Line 1 Credit Risk

Location: Perth, Melbourne or Sydney

See yourself in our team:

Bring your deep credit risk expertise to a pivotal role that drives safe growth and modernisation across the credit lifecycle. This Senior Manager position offers the opportunity to shape strategy, simplify processes, and influence executive decision-making.

Partner with Product, Pricing, Distribution, Technology, Operations (Credit and Collections) to make credit processes simpler faster and more consistent, using internal and external data to optimise risk-reward outcomes and reduce friction for customers.

This role shapes the insight and narrative that informs the Financial Risk Committee, distilling complex data into clear, forward-looking analysis and recommendations that equip the Executive Manager – Credit Strategy and Policy to influence and drive outcomes at the forum.

Key responsibilities for this role includes:

• Credit Strategy Design & Execution – Develop and implement acquisitions and portfolio strategies, score-based cut-offs and policy settings that balance growth, return and risk appetite, ensure strategies are implemented accurate and monitored end to end.

• Forward-Looking Risk Insight – Connect origination, portfolio and collections and loss outcomes to build a single view of credit risk dynamics; credit analysis and narratives that anticipate emerging trends for the business including governance forums, in particular the Financial Risk Committee (FRC).

• Collections & Delinquency Collaboration – Partner closely with Collections to monitor delinquency trends and strategy effectiveness; share portfolio insights and performance diagnostics to enhance hardship, recoveries, and loss-mitigation outcomes.

• Financial Impact & Capital Awareness – Understand and quantify how credit strategies and portfolio performance flow through to P&L lines: expected loss provisions, charge-off's, recoveries, and capital charges; use this understanding to shape strategy design and ongoing portfolio management.

• Credit Change Governance & Execution Discipline – Uplift credit change standards across the lifecycle of a change – from business requirements articulation through to function documentation, testing, communication, and post-implementation review. Treating FRC charter obligations as part of normal, well-managed practice and a value-add for the business.

• Data, Automation and Innovation – Discover, explore, and leverage internal (across the CBA Group) and external data assets including but not limited to credit bureau, valuations/property collateral, internal transactional, account, product, customer level data assets to develop intelligence and insights; Apply data not only for automation but to inform portfolio understanding, profitability ,capital impacts and continuous credit strategy improvement.

• Portfolio Monitoring & Diagnostics – Build and maintain diagnostic frameworks that move beyond "reporting history" to generate insight and foresight; provide the what, why, so what and now what of credit strategy and portfolio performance.

Experience & Capability Profile

• Deep retail credit risk experience across multiple products and lifecycle stages (originations, portfolio, collections).

• Proven ability to link acquisitions, portfolio, delinquency and loss outcomes into actionable strategy and governance insight.

• Advanced analytical proficiency (SAS, SQL, Excel) and skill translating data into compelling governance narratives.

• Demonstrated experience in credit-change governance, testing, documentation, and post-implementation review.

• Strong understanding of provision, loss, and capital drivers and how strategy decisions flow to financial outcomes.

• Ability to operate across Risk, Product, Distribution, Collections, Technology, and external third-party enablers (e.g. credit bureaus) to deliver practical solutions.

• Comfortable leading insight development for governance committees (e.g. FRC, Line 2 Review and Challenge).

Why this role is distinct.

This role introduces practitioner-led credit risk capability that does not currently exist within the function – integrating data, strategy, analytics, governance, and financial impact awareness to move the team from reporting outcomes to shaping them. It embodies the shift from descriptive risk management to proactive, insight-driven leadership of the credit portfolio.

If this sounds like the role for you then we would love to hear from you. Apply today

We support our people with the flexibility to balance where work is done with at least half their time each month connecting in office. We also have many other flexible working options available including changing start and finish times, part-time arrangements and job share to name a few. Talk to us about how these arrangements might work in the role you're interested in.

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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