Job Description
n
Lead the end-to-end credit risk automation program and associated delivery roadmap
n
Lead a newly established capability improving how home loan applications move through the credit assessment process
n
Identify opportunities to improve automated decisioning outcomes
n
Simplify policy and process frameworks
n
Enhance customer experiences while maintaining responsible lending and risk standards
n
Partner across Credit Risk, Home Buying, Operations, Product, Technology and Analytics
n
Improve credit decisioning outcomes with analytics, technology and policy teams
n
Translate analytical insights into practical policy, process and automation solutions
n
Drive simplification initiatives that improve customer experience and operational efficiency
n
Influence strategic decisions through data-driven recommendations and governance engagement
n
Manage risks, dependencies and delivery priorities across multiple initiatives
n
Build capability within a multidisciplinary team of credit risk and analytics professionals
n
Foster collaboration, continuous improvement and evidence-based decision making
n
n
Requirements
n
n
Significant experience within mortgage credit risk, home lending, portfolio management or credit strategy
n
Deep knowledge of Australian retail lending and responsible lending requirements
n
Experience balancing customer outcomes, portfolio quality, risk appetite and regulatory obligations
n
Proven success influencing senior stakeholders and leading complex change initiatives
n
Experience working within credit decisioning and automated lending environments
n




Understanding of decision engine platforms, business rules frameworks and credit decisioning ecosystems
n
Demonstrated hands-on experience using analytical tools such as SQL, SAS, Python, R or similar platforms
n
Exposure to workflow automation initiatives and process optimisation programs
n
Knowledge of credit strategy systems and decisioning technologies used to support lending outcomes
n
Understanding of data architecture, data lineage and information flows supporting credit risk decisions
n
Experience using advanced analytics and portfolio insights to inform policy, strategy or operational decisions
n
Familiarity with machine learning, predictive modelling and AI-enabled decision support environments
n
Experience using process mining, root-cause analysis or operational analytics to identify improvement opportunities
n
Understanding of decision science principles and data-driven decision making
n
Experience leading teams comprising analytics, policy, operational and technology specialists
n
Degree qualification in Finance, Economics, Statistics, Mathematics, Data Analytics, Risk Management, Computer Science, Business or a related discipline (desirable)
n
Postgraduate qualifications in Analytics, Risk, Finance, Technology or Leadership (highly regarded)




n
Relevant qualified certifications in risk, analytics, automation or technology disciplines (advantageous)
n
n
Core Competencies
n
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.
n
Highest-signal resume keywords
n
n
Mortgage Credit Risk Experience
n
Credit Decisioning Environments
n
Analytical Tools Proficiency
n
Stakeholder Influence
n
Process Optimisation
n
n
Hard Skills
n
n
SQL
n
SAS
n
Python
n
R
n
Data Architecture
n
Predictive Modelling
n
Machine Learning
n
Process Mining
n
Root-Cause Analysis
n
Decision Science Principles
n
n
Soft Skills
n
n
Collaboration
n
Continuous Improvement
n
Evidence-Based Decision Making
n
Change Leadership
n
Influencing Senior Stakeholders
n
n
Certifications & Qualifications
n
n
Risk Management Certification
n
Analytics Certification
n
Automation Certification
n
Technology Certification
n
n
Industry Keywords
n
n
Australian Retail Lending
n
Responsible Lending Requirements
n
Portfolio Management
n
Credit Strategy
n
Home Lending
n
n
Tools & Technologies
n
n
Decision Engine Platforms
n
Business Rules Frameworks
n
Credit Strategy Systems
n
Workflow Automation Tools
n
Operational Analytics
n

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