Credit Risk Manager

**Opportunity to join Westpac's First Line Credit Risk Team**:

- **Established career path and progression opportunities**:

- **Sydney based permanent role**

**How will I help?**
We are seeking a dynamic Risk Manager to join the First Line Credit Risk team within the Consumer Finance & Digital Line of Business and is responsible for the development and implementation of credit risk strategies to drive profitable growth and help deliver market leading customer experience. Products in scope are credit cards, line of credit, secured and unsecured personal loans across all Westpac Group brands.

**You will also**:

- Adopting a continuous improvement mindset to design and embed changes to the credit process to improve customer experience whilst focusing on the key risks.
- Producing credit risk reports and analysis of portfolio trends that help drive changes to improve portfolio performance.
- Identifying and investigating trends and insights from data to develop and refine credit policies.
- Maintaining and calibrating credit-related tools and processes such as scorecards, decision engine and system rules to optimise risk / return trade-off.
- Monitoring regulatory and industry developments and proactively identifying challenges and/or opportunities.

**What's in it for me?**
You'll play a significant part of the future of a business that has been around for over 200 years. Our purpose is to create better futures together. So, we'll back you in the development of your career, internal career prospects, and flexible working. You'll also keep learning to grow your career, backed by a fantastic team of people with a can-do, supportive structure. Whatever shape your family takes, we offer generous paid and unpaid parental leave for your nominated primary and support carers. This includes leave to organise adoptions, surrogacy, and foster care arrangements. And we continue to pay your super contributions while you take all the time you need to get your new family settled.

**What do I need?**
- A minimum of 5 years Australian retail credit risk experience
- Knowledge of local regulatory environment related to consumer credit
- Proficient with data extraction, manipulation, and analysis (SAS, SQL, Python, R)
- Good understanding of credit scoring, scorecard development and monitoring.
- Strong stakeholder management skills
- Strong written and verbal communication skills, including writing memos for approval
- Understanding of the Australian retail credit market and competitive landscape
- Knowledge of Consumer Finance products is preferred, in particular credit cards and personal loans
- Strong analytical capabilities and willingness to challenge the status quo
- Intellectual curiosity, learning agility and keen attention to detail

**What's it like to work there?**
We are a collaborative team of passionate people with a shared ambition to make a difference for our customers, our communities and each other. At Westpac, making a difference means creating impact, unlocking our own and each other's passions, and transformative success stories to create better futures together.

As well as competitive remuneration and a great culture, joining the Westpac family gives you access to a wide range of employee benefits to help you manage your priorities - whether that means family life, work/life balance, ambition to grow or all the little perks in between.

We'll empower you to shape your career path. Through personalised upskilling, mentoring, and training opportunities, you're in control of where you start and how you'll grow.

As an equal opportunity employer, we are proud to have created a culture and work environment that values diversity and flexibility - and champions inclusion.

Hear from some of our people and their experiences working with us.

**How do I Apply?**
**Start here **. Just click on the **APPLY **button.

**Do you need reasonable adjustments during the recruitment process?