Risk Manager, Consumer Finance Credit Risk

Risk Manager, Consumer Finance Credit Risk (36914)

• Permanent
• Location: Sydney, Melbourne

How will I help?

This role is part of the First Line Credit Risk team within the Consumer Finance 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.

Your role will also include:

• 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.
• Collaborating with key stakeholders on strategic business initiatives by providing subject matter expertise on risk data, analytics, policy, and guidance on risk appetite.
• Monitoring regulatory and industry developments and proactively identifying challenges and/or opportunities.

What's in it for me?

You will build your profile internally and externally with stakeholders and be part of the future of a business that has been around for 200 years and whose vision is becoming one of the world's great service companies. We'll support you in the development of your career, with internal career prospects and flexible working. You'll also be backed by a fantastic team of people in a can-do, supportive structure.

What do I need?

• Strong analytical capabilities and willingness to challenge the status quo.
• Intellectual curiosity, learning agility and keen attention to detail.
• Relevant 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.
• Prior experience working with Decision Engines (Power Curve, Strategy Manager) is preferred.
• Strong written and verbal communication skills.

What is it like to work there?
We aim to provide one big, supportive team of people who love helping others succeed. Working with us you'll discover new ways of working, and an exciting range of roles to showcase your skills. As an equal opportunity employer, we're proud to have created a culture where people can be their best, in an environment that values diversity and flexibility. And one where everyone belongs.

How do I Apply?

Start here. Just click on the APPLY button.

As part of our commitment to creating a diverse and inclusive workplace, this role is open to experienced candidates seeking a discussion around workplace flexibility. We invite candidates of all ages, genders, sexual orientation, cultural backgrounds,people with disability, neurodiverse individuals, and Indigenous Australians to apply. If an adjustment is required to assist you during our recruitment process, please email talentacquisition@westpac.com.au

Do you need reasonable adjustments during the recruitment process?

At Westpac we are committed to providing a supportive culture and creating inclusive and accessible workplaces, branches, products and services for our customers, employees, and community.

We can provide reasonable adjustments for individuals with disability and/or neurodiversity. If you require an adjustment to be made during the recruitment process at any stage, please call 1800 655 592 Option 1.2 or email talentacquisition@westpac.com.au