Credit Risk Manager

Commonwealth Bank

Credit Risk Manager improving credit strategies through analytics and collaboration in retail lending. Driving performance improvements across origination, account management, and collections in Australia.

Posted 7/28/2026full-timeMelbourne • 🇦🇺 AustraliaMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit strategy design and optimization, leveraging strong analytical skills and modern data platforms to enhance portfolio performance and customer outcomes. Proficient in translating complex data insights into actionable recommendations while ensuring compliance with regulatory expectations.

Highest-signal resume keywords

Credit Risk AnalysisSQL ProficiencyPython ProgrammingData Platform ExperiencePortfolio Performance Monitoring

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Strategy DesignPerformance AnalysisSegmentation TechniquesDecision Logic DevelopmentAnalytical Tools Usage

Soft Skills

Problem-SolvingStructured ThinkingCollaborationCuriosityOwnership

Tools & Technologies

SASExcelTableauBigQuerySnowflake

Certifications & Qualifications

Tertiary Qualification in Quantitative Discipline

Industry Keywords

Retail LendingAustralian Retail Credit PortfoliosPortfolio MetricsRisk LandscapeOperational Effectiveness

Tech Stack

Tools & technologies

BigQueryCloudPythonSQLTableau

About the role

Key responsibilities & impact

Credit strategy design and optimisation
Develop and improve strategies across originations, account management, and collections using segmentation, decision logic, and performance analysis.
Portfolio insight and performance monitoring
Identify key trends, drivers, emerging risks, and opportunities.
Translate analysis into practical recommendations that improve portfolio outcomes.
Governance and controlled change delivery
Support high-quality implementation through testing, validation, documentation, and traceability aligned to policy and regulatory expectations.
Analytics and continuous improvement
Use data, analytical tools, and modern platforms to strengthen decisioning, improve operational effectiveness, and enhance customer outcomes.
Cross-functional collaboration and execution
Partner with business, technology, operations, finance, compliance, and risk teams to ensure strategies are practical, implemented correctly, and performing as intended in production.

Requirements

What you’ll need

Experience in credit risk, preferably in retail lending
Strong analytical capability, with the ability to interpret complex data, identify meaningful patterns, and derive insights that inform action
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)
Ability to translate analysis into clear, practical recommendations that balance customer outcomes, risk appetite, and business performance
Sound understanding of Australian retail credit portfolios, including key segments, performance drivers, and the broader risk landscape
Understanding of core portfolio metrics such as losses, recoveries, provisions, and return outcomes
Strong problem-solving, structured thinking, and collaboration skills, with confidence working across business and risk stakeholders
A curious mindset, strong sense of ownership, and willingness to keep learning and improving
A tertiary qualification in a quantitative, analytical, commercial, legal, technology, or related discipline is valued, or equivalent practical experience.

Benefits

Comp & perks

Flexibility to balance where work is done
Professional development opportunities