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.



This is a highly visible role where you will partner across Credit Risk, Home Buying, Operations, Product, Technology and Analytics to drive strategic change and measurable business outcomes.




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 strong 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. Read more about our commitment to inclusion and diversity on our career's website.



Our people bring their diverse backgrounds and unique perspectives to build a respectful, inclusive and flexible workplace. We are working hard to recruit people who represent the diversity of our customers and our society. If you're excited about this opportunity but you don't meet every single requirement, or your experience doesn't align perfectly, we still want to encourage you to send in your application. You may just be the perfect candidate for this opportunity or another within CommBank.



At CommBank we will inspire you with work that makes a difference, surround you with talented people that respect and value each other, and empower you to grow professionally and personally. Most of all, making a positive impact for customers, communities and each other is part of our every day.



We're determined to make a real difference for Australia's first peoples. We encourage all interested applicants to apply. If you're already part of the Commonwealth Bank Group (including BankWest), 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.




APPLY NOW to do your best work and live your best life with us!



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.



We're aware of some accessibility issues on this site, particularly for screen reader users. We want to make finding your dream job as easy as possible, so if you require additional support please contact HR Direct on 1800 989 696.



Advertising End Date: 18/09/2026