Job Description

Senior Manager - Home Lending Credit Risk Automation

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Lead a newly created program improving how home lending decisions are made

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Shape the future of automated credit decisioning for one of Australia's largest home lending portfolios

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Lead a multidisciplinary team spanning credit risk, analytics, policy and automation

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Influence customer outcomes, portfolio performance and decision turnaround times through data-driven decisioning

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Do work that matters

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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.

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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.

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See yourself in our team

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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.

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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.

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Key Responsibilities:

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- Lead the end-to-end credit risk automation program and associated delivery roadmap
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- Partner with analytics, technology and policy teams to improve credit decisioning outcomes
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- Translate analytical insights into practical policy, process and automation solutions
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- Drive simplification initiatives that improve customer experience and operational efficiency
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- Influence strategic decisions through data-driven recommendations and governance engagement
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- Manage risks, dependencies and delivery priorities across multiple initiatives
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- Build capability within a multidisciplinary team of credit risk and analytics professionals
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- Foster a culture of collaboration, continuous improvement and evidence-based decision making
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We're interested in hearing from people who:

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You bring a combination of credit risk expertise, strategic leadership and strong analytical literacy. You are comfortable operating in complex environments and translating insights into practical business outcomes.

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Credit Risk & Business Expertise:

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- Significant experience within mortgage credit risk, home lending, portfolio management or credit strategy
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- Deep knowledge of Australian retail lending and responsible lending requirements
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- Experience balancing customer outcomes, portfolio quality, risk appetite and regulatory obligations
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- Proven success influencing senior stakeholders and leading complex change initiatives
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Technical Skills & Analytical Capability:

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- Experience working within credit decisioning and automated lending environments
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- Understanding of decision engine platforms,



business rules frameworks and credit decisioning ecosystems
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- Demonstrated hands-on experience using analytical tools such as SQL, SAS, Python, R or similar platforms
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- Exposure to workflow automation initiatives and process optimisation programs
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- Knowledge of credit strategy systems and decisioning technologies used to support lending outcomes
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- Understanding of data architecture, data lineage and information flows supporting credit risk decisions
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- Experience using advanced analytics and portfolio insights to inform policy, strategy or operational decisions
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- Familiarity with machine learning, predictive modelling and AI-enabled decision support environments
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- Experience using process mining, root-cause analysis or operational analytics to identify improvement opportunities
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- Understanding of decision science principles and data-driven decision making
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- Experience leading teams comprising analytics, policy, operational and technology specialists
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Qualifications (Desirable):

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- Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Risk Management, Computer Science, Business or a related discipline
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- Postgraduate qualifications in Analytics, Risk, Finance, Technology or Leadership will be highly regarded
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- Relevant skilled certifications in risk, analytics, automation or technology disciplines are advantageous
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Working with us:

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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.

📌 Senior Manager - Home Lending Credit Risk Automation (New South Wales)
🏢 Cba
📍 New South Wales