- Lead the end-to-end credit risk automation program and associated delivery roadmap
- Lead a newly established capability improving how home loan applications move through the credit assessment process
- Identify opportunities to improve automated decisioning outcomes
- Simplify policy and process frameworks
- Enhance customer experiences while maintaining responsible lending and risk standards
- Partner across Credit Risk, Home Buying, Operations, Product, Technology and Analytics
- Improve credit decisioning outcomes with analytics, technology and policy teams
- 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 collaboration, continuous improvement and evidence-based decision making

Requirements

- 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
- 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
- Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Risk Management, Computer Science, Business or a related discipline (desirable)




- Postgraduate qualifications in Analytics, Risk, Finance, Technology or Leadership (highly regarded)
- Relevant skilled certifications in risk, analytics, automation or technology disciplines (advantageous)

Core Competencies

Demonstrates expertise in leading credit risk automation programs and enhancing customer experiences through data-driven decision making. Proficient in leveraging analytical tools and technologies to improve credit decisioning outcomes while ensuring compliance with responsible lending standards.

Highest-signal resume keywords

- Mortgage Credit Risk Experience
- Credit Decisioning Environments
- Analytical Tools Proficiency
- Stakeholder Influence
- Process Optimisation

Hard Skills

- SQL
- SAS
- Python
- R
- Data Architecture
- Predictive Modelling
- Machine Learning
- Process Mining
- Root-Cause Analysis
- Decision Science Principles

Soft Skills

- Collaboration
- Continuous Improvement
- Evidence-Based Decision Making
- Change Leadership
- Influencing Senior Stakeholders

Certifications & Qualifications

- Risk Management Certification
- Analytics Certification
- Automation Certification
- Technology Certification

Industry Keywords

- Australian Retail Lending
- Responsible Lending Requirements
- Portfolio Management
- Credit Strategy
- Home Lending

Tools & Technologies

- Decision Engine Platforms
- Business Rules Frameworks
- Credit Strategy Systems
- Workflow Automation Tools
- Operational Analytics

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📌 Senior Manager – Home Lending Credit Risk Automation (Sydney)
🏢 Jobtailor
📍 Sydney