Senior Manager - Home Lending Credit Risk Automation
Lead a newly created program improving how home lending decisions are made
Shape the future of automated credit decisioning for one of Australia's largest home lending portfolios
Lead a multidisciplinary team spanning credit risk, analytics, policy and automation
Influence customer outcomes, portfolio performance and decision turnaround times through data-driven decisioning
Do work that matters
As Senior Manager, Home Lending Credit Risk Automation, you will lead a newly established capability focused on improving how home loan applications move through the credit assessment process.
Working at the intersection of credit risk, analytics, automation and policy, you will lead a team responsible for identifying opportunities to improve automated decisioning outcomes, simplify policy and process frameworks, and enhance customer experiences while maintaining responsible lending and risk standards.
See yourself in our team
Be part of the team at the heart of how CommBank serves Australia. Retail Banking Services supports more than 10 million personal and small business customers with market-leading products, services and digital experiences. BU Blurbs.docx describes RBS as being at the heart of how CommBank serves Australia and delivering positive impact for customers and communities.
Within Home Buying Credit Risk, we're building a specialised capability focused on using data, insights and automation to create simpler, smarter and more consistent lending decisions.
Key Responsibilities:
Lead the end-to-end credit risk automation program and associated delivery roadmap
Partner with analytics, technology and policy teams to improve credit decisioning outcomes




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 a culture of collaboration, continuous improvement and evidence-based decision making
We're interested in hearing from people who:
You bring a combination of credit risk expertise, strategic leadership and solid analytical literacy. You are comfortable operating in complex environments and translating insights into practical business outcomes.
Credit Risk & Business Expertise:
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
Technical Skills & Analytical Capability:
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
Qualifications (Desirable):
Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Risk Management, Computer Science, Business or a related discipline
Postgraduate qualifications in Analytics, Risk, Finance, Technology or Leadership will be highly regarded
Relevant professional certifications in risk, analytics, automation or technology disciplines are advantageous
Working with us:
Whether you're passionate about customer service, driven by data, or called by creativity, a career here is for you. At CommBank, we advocate and facilitate a culture of inclusion and respect, celebrating all cultures, abilities, genders, expressions of gender and sexual orientation.
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📌 Senior Manager - Home Lending Credit Risk Automation (Sydney)
🏢 Cba
📍 Sydney