Senior Credit Risk Manager

Commonwealth Bank

Senior Credit Risk Manager combining analytics with strategic thinking at Bankwest. Leading credit strategy optimization and governance while mentoring team members.

Posted 6/30/2026full-timeMelbourne • 🇦🇺 AustraliaSeniorWebsite

Tech Stack

Tools & technologies

BigQueryCloudPythonSQLTableau

About the role

Key responsibilities & impact

Credit strategy design evolution & optimisation
Shape credit strategy across originations, account management, and collections, balancing growth, risk appetite, customer outcomes, and portfolio performance.
Build portfolio insight and drive strategy response
Connect views across the credit lifecycle to identify risks, diagnose performance shifts, and drive timely strategy changes that strengthen outcomes.
Strengthen governance and decision quality
Embed disciplined governance practices, testing, validation, and post-implementation review to ensure strategies operate effectively in production
Drive analytics and continuous improvement
Use data and analytical tools to improve decisioning, deepen portfolio understanding, and identify opportunities to strengthen credit strategies and ways of working.
Coach and develop the team
Support the team through technical guidance, peer review, and knowledge sharing.

Requirements

What you’ll need

Deep credit risk experience, ideally in retail lending
Strong understanding of credit strategy design, portfolio dynamics, and financial risk drivers including provisions, losses, recoveries, and return outcomes
Strong analytical capability, with the ability to translate complex data into clear insights, strategic recommendations, and portfolio actions
Strong skills in SQL, Python, SAS, Excel, Tableau, or similar tools used for analysis and performance monitoring
Experience working with modern data platforms (for example BigQuery, Snowflake, or similar cloud-based environments)
Demonstrated experience leading complex cross-functional initiatives and influencing strategic decisions or governance forums
Sound understanding of Australian retail credit portfolios, including key segments, performance drivers, and the broader risk landscape
Well-developed judgement and structured thinking; ability to balance commercial outcomes with prudent risk management
Demonstrated ability to coach, guide, and develop other credit risk specialists through technical guidance and knowledge sharing
Excellent problem-solving and stakeholder management skills, with confidence working across business and risk teams at multiple levels
A curious and collaborative mindset, strong sense of ownership, and genuine interest in strengthening and modernising credit risk practice
A tertiary qualification in a quantitative, analytical, commercial, legal, technology, or related discipline is valued, or equivalent practical experience.

Benefits

Comp & perks

Flexibility: We support our people with the flexibility to balance where work is done with at least half their time each month connecting in office.
Many other flexible working options available including changing start and finish times, part-time arrangements and job share.

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit Strategy DesignPortfolio DynamicsFinancial Risk DriversSQLPythonSASExcelTableauData AnalysisPerformance Monitoring

Soft Skills

Problem-SolvingStakeholder ManagementCoachingJudgementStructured Thinking

Certifications

Tertiary Qualification in Quantitative DisciplineTertiary Qualification in Analytical DisciplineTertiary Qualification in Commercial DisciplineTertiary Qualification in Legal DisciplineTertiary Qualification in Technology Discipline