Head Of Mortgage Credit

**Work type**: Permanent Full time
**Location**: VIC- Melbourne CBD
- **Make a genuine difference through the work you do helping more people buy and own their own home, while managing risk/reward trade-offs**:

- **Lead a collaborative, inclusive and high-performing team**:

- **Lead the team who are encouraged to experiment and find out how to excel**

**It's more than a career at NAB. It's about more opportunity, more moments to make a difference and more focus on you.**

Your job is just one part of your life. When you bring your ideas, energy, and hunger for growth to us, you'll be recognised and rewarded for your contribution in return. You'll have our support to excel for our customers, deliver positive change for our communities and grow your career.

It's a good time to see what more you can find at NAB as a Head of Mortgage Credit.

**About the Home Ownership Domain**

As part of the **Home Ownership** team, within Personal Banking we are working to deliver Australia's simplest home loan experience for our customers and colleagues. As an early adopter of NAB's domain model, the Home Ownership team is structured as a persistent, cross-functional vehicle to deliver end to end change and run outcomes and is leading the charge for new ways of operating and delivering our five-year strategy.

By joining our team, you are committing to putting our customers' needs first every time. You will be ambitious for growth, proactive, curious and enjoy learning from colleagues. You'll speak honestly, always valuing the time and opinion of others. You will own your work, doing what's right, even when it's hard.

**You new role awaits.**

In the role of Head of Mortgage Credit, you are our home lending credit portfolio leader and you will set the strategic direction of the management of financial risk within the home ownership domain, as well as lead the day to day portfolio management operations and decisions across the Home Ownership Domain to be the best bank in Australia for customers looking to buy and own a home.

You will also lead the development and implementation of lending scorecards and serviceability models, the management and optimisation of the portfolio shape, as well as be the product leader for our Lenders Mortgage Insurance (LMI) products.

**Day to day you will**:

- Create scorecard and serviceability model development and usage to manage risk/reward trade offs
- Manage portfolio shaping activities
- Engage and manage NAB stakeholders to inform and manage credit metrics
- Manage portfolio and performance insights
- Support results announcements with high quality analytics and commentary
- Engage and manage third party vendors for LMI products
- Simplify and enhance end-to-end credit decisioning and portfolio management processes
- Manage credit portfolio related regulatory responses
- Prepare material for ongoing regulator engagements
- Optimise capital to maximise return on costs

Please refer to the role purpose statement for a comprehensive description of this role.

**What you'll bring**:
This is a high-profile role with ongoing visibility across all levels in the business, including continuous engagement with the Risk community. In addition, you are not only comfortable with, but thrive on, engaging, communicating and managing internal and external senior executives and stakeholder relationships. Specifically, you will spend considerable time with many of NAB's group executives and their direct reports. Critical to your success in this role is your expertise in strategic credit execution. You have sound knowledge of banking and home lending processes and come to us with the following background and experience:

- Tertiary qualified with a Degree in Business, Finance or other relevant discipline
- Credit strategy execution and portfolio optimisation and management in home lending or related discipline
- Strategic leadership of risk/reward decisions
- Capital allocation and optimisation
- Data and analytics
- People leadership
- Stakeholder relationship management
- Detail orientation and execution capability

**A diverse and inclusive workplace works better for everyone**

At NAB, we're intent on building a culture we can all be proud of. One based on trust and respect. An uplifting environment where every single one of us feels appreciated and empowered to be our true, authentic selves. A diverse and inclusive workplace where our differences are celebrated, and our contributions are valued. It's a huge part of what makes NAB such a special place to be.

**More focus on you**

We are committed to delivering a positive experience for our colleagues and a workplace you can be proud of. We support our colleagues to balance their careers and personal life through flexible working arrangements such as hybrid working and job sharing and competitive financial and lifestyle benefits. We invest in our colleagues through world class development programs (Distinctive Le