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Credit Risk Senior Analyst

Commonwealth Bank of Australia
Sydney, Australia
Closing date
Jul 14, 2024

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Job Function
Industry Sector
Finance - General
Employment Type
Full Time
  • You are analytical and eager to learn
  • We are passionate about data and automation
  • Together we can revolutionise the customer experience

Do work that matters

Business Bank (BB) secures and enhances the financial wellbeing of people, businesses and communities, particularly CBA's small and medium sized enterprise clients. This includes those in rural and regional areas, as well as the needs of CBA's online trading and broking customers. Business Lending (BL) is a product and specialised team that offers working capital, business loans, asset finance, corporate and property finance to our customers. As a crew we are focused on enhancing the customer experience, to be the #1 business lender in Australia.

See yourself in our team

The Business Credit Risk Strategy Centre of Excellence is responsible for developing automated credit strategies that provide the best lending experience for our customers, within risk appetite. We build credit strategies to support the automation of business lending, in-life processes and arrears management.

We use data, analytics, risk management practices and commercial acumen to build strategies that provide the best risk-reward outcome.

In this role

As a senior analyst, you will be responsible for developments in credit strategy, automated decisioning and portfolio monitoring of Business Lending products. As well as support wider Business Banking projects with credit risk analytics, insight, reporting and controls.

You will be responsible for observing developing trends, leading analytical deep dives and identifying new opportunities. You will maintain and develop portfolio monitoring tools while working with your stakeholders to drive change that optimises business return while maintaining great customer outcomes.

The right candidate will be analytical and curious, with an attention to detail. They take pride in their work, going the extra mile to provide high quality output. They will be self-reliant and driven, taking ownership of their work.

Key responsibilities
  • Accountability of the delivery of new and existing business lending credit risk strategies for Business Lending
  • Manipulating complex data to investigate developing trends and draw insight from data
  • Using hypothesis led analytics to assess portfolio performance, and formulate initiatives that generate business and customer value
  • Using data to assist management and project stakeholders across the business with decision making
  • Developing and maintaining effective controls that ensure our credit strategies and processes operate safely within agreed tolerances and meet our risk and governance obligations
  • Reporting, escalating and remediating issues in a timely manner and in line with the Group's operational risk processes, ensuring risk issues and actions are appropriately managed
  • Adhering to the Code of Conduct. The Code of Conduct sets the standards of behaviour, actions and decisions we expect from our people.

We're interested in hearing from people who
  • Are able to communicate complex concepts into simplified messages for stakeholders
  • Are comfortable working independently with a sound problem-solving mindset
  • Have 1-2 years in credit risk or similar experience (e.g. analytics)
  • Are proficient in data analytics tools eg: R/Python/SAS/SQL, and MS Suite
  • Proven ability to work with large data sets to gather insights
  • Experience in using data driven analytics to develop insights, reporting and recommendations
  • Ability to understand complex problems and take a structured approach to solve
  • Preferred degree in relevant discipline (Economics, Statistics, Maths, Actuarial, Finance, Engineering or Sciences)

Working with us

We support our people with at least half your time each month connecting in the Sydney office, allowing for flexibility in the remaining time.

We have many other flexible working options available including changing start and finish times. Talk to us about how these arrangements might work for you.

If this sounds like you, apply now!

If you're already part of the Commonwealth Bank Group (including Bankwest, x15ventures), you'll need to apply through Sidekick to submit a valid application. We're keen to support you with the next step in your career.

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Advertising End Date: 10/07/2024

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