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Senior Manager – Home Lending Credit Risk Automation
Commonwealth BankSenior Manager leading credit risk automation for Commonwealth Bank of Australia’s home lending portfolio. Improving decisioning, policy, customer outcomes and operational efficiency through analytics and technology.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in leading credit risk automation programs and enhancing customer experiences through data-driven decision making. Proficient in leveraging analytical tools and technologies to improve credit decisioning outcomes while ensuring compliance with responsible lending standards.
Highest-signal resume keywords
Mortgage Credit Risk ExperienceCredit Decisioning EnvironmentsAnalytical Tools ProficiencyStakeholder InfluenceProcess Optimisation
ATS Keywords
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Hard Skills
SQLSASPythonRData ArchitecturePredictive ModellingMachine LearningProcess MiningRoot-Cause AnalysisDecision Science Principles
Soft Skills
CollaborationContinuous ImprovementEvidence-Based Decision MakingChange LeadershipInfluencing Senior Stakeholders
Tools & Technologies
Decision Engine PlatformsBusiness Rules FrameworksCredit Strategy SystemsWorkflow Automation ToolsOperational Analytics
Certifications & Qualifications
Risk Management CertificationAnalytics CertificationAutomation CertificationTechnology Certification
Industry Keywords
Australian Retail LendingResponsible Lending RequirementsPortfolio ManagementCredit StrategyHome Lending
Tech Stack
Tools & technologiesPythonSQL
About the role
Key responsibilities & impact- Lead the end-to-end credit risk automation program and associated delivery roadmap
- Lead a newly established capability improving how home loan applications move through the credit assessment process
- Identify opportunities to improve automated decisioning outcomes
- Simplify policy and process frameworks
- Enhance customer experiences while maintaining responsible lending and risk standards
- Partner across Credit Risk, Home Buying, Operations, Product, Technology and Analytics
- Improve credit decisioning outcomes with analytics, technology and policy teams
- Translate analytical insights into practical policy, process and automation solutions
- Drive simplification initiatives that improve customer experience and operational efficiency
- Influence strategic decisions through data-driven recommendations and governance engagement
- Manage risks, dependencies and delivery priorities across multiple initiatives
- Build capability within a multidisciplinary team of credit risk and analytics professionals
- Foster collaboration, continuous improvement and evidence-based decision making
Requirements
What you’ll need- Significant experience within mortgage credit risk, home lending, portfolio management or credit strategy
- Deep knowledge of Australian retail lending and responsible lending requirements
- Experience balancing customer outcomes, portfolio quality, risk appetite and regulatory obligations
- Proven success influencing senior stakeholders and leading complex change initiatives
- Experience working within credit decisioning and automated lending environments
- Understanding of decision engine platforms, business rules frameworks and credit decisioning ecosystems
- Demonstrated hands-on experience using analytical tools such as SQL, SAS, Python, R or similar platforms
- Exposure to workflow automation initiatives and process optimisation programs
- Knowledge of credit strategy systems and decisioning technologies used to support lending outcomes
- Understanding of data architecture, data lineage and information flows supporting credit risk decisions
- Experience using advanced analytics and portfolio insights to inform policy, strategy or operational decisions
- Familiarity with machine learning, predictive modelling and AI-enabled decision support environments
- Experience using process mining, root-cause analysis or operational analytics to identify improvement opportunities
- Understanding of decision science principles and data-driven decision making
- Experience leading teams comprising analytics, policy, operational and technology specialists
- Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Risk Management, Computer Science, Business or a related discipline (desirable)
- Postgraduate qualifications in Analytics, Risk, Finance, Technology or Leadership (highly regarded)
- Relevant professional certifications in risk, analytics, automation or technology disciplines (advantageous)
Benefits
Comp & perks- Inclusion and diversity commitment
- Flexible workplace
- Professional and personal growth opportunities
- Accessibility support through HR Direct
- Support for Indigenous applicants and employees