About Us

At ANZ, we're applying new ways technology and data can be harnessed as we work towards a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About the Role

The Associate Manager – Retail BPS will play a critical role in delivering data‑driven credit risk insights and reporting for the Retail Banking portfolio. This is a high‑visibility role partnering closely with Risk, Business, and Technology stakeholders to translate business needs into scalable data and reporting solutions, while supporting the bank’s data, reporting, and analytics transformation journey.

The role requires a strong blend of retail credit risk domain knowledge, advanced data skills, and confident stakeholder communication to enable informed decision‑making and effective risk governance.

Role Type: Permanent

Role Location: Bangalore

Banking is changing and we’re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you’ll be building your future, while helping to build ours 

What will your day look like?

As an Associate Manager, you will:

• Deliver timely, high-quality retail credit risk reporting and insights to support portfolio monitoring, risk governance, and informed decision-making.
• Perform deep-dive analysis on portfolio performance, key risk drivers, and emerging risk trends, translating complex data into actionable insights.
• Analyse and validate complex risk data assets, ensuring accuracy, transparency, and business relevance.
• Partner closely with Retail Risk, Business, and Senior Leadership to understand requirements and design fit-for-purpose reporting and analytical solutions.
• Proactively engage stakeholders to scope, prioritise, and deliver reporting builds, enhancements, and changes, balancing business demand with enterprise data and risk information strategy.
• Communicate analytical outcomes in a clear, concise, and impactful manner, including presentations to senior management.
• Use Google Cloud Platform (GCP), SQL, SAS, and Python to extract, analyse, and validate large datasets used for risk reporting and insights.
• Design, enhance, and maintain Tableau dashboards and visualisations that enable intuitive and actionable consumption of risk information.
• Support the transition to next-generation data and analytics platforms, contributing to simplification, standardisation, and automation of reporting processes.
• Act as a change advocate, driving adoption of modern analytics, cloud-based data assets, and visualisation tools.
• Ensure reporting solutions comply with risk governance, data quality, and control standards.
• Manage multiple concurrent deliverables, prioritising competing demands in a risk-based and outcome-focused manner.

Contribute to continuous improvement of Retail BPS operating models, documentation, and ways of working.

What will you bring?

To grow and be successful in this role, you will ideally bring the following:

• 5–8 years’ experience in Retail Banking and/or Credit Risk, with hands-on delivery experience across risk reporting, portfolio analytics, and/or data and reporting transformation initiatives.

• Strong technical capability across Google Cloud Platform (GCP), SQL, SAS, and Python, with proven experience extracting, analysing, and validating large-scale risk data assets.

• Applied AI / Advanced Analytics exposure, including identifying, assessing, or supporting AI/ML use cases that improve risk insight quality, reporting efficiency, or decision-making effectiveness.

• Proven experience operating as a Business Analyst, Risk Analyst, or Analytics professional, supporting retail or credit risk portfolios in a complex stakeholder environment.

• Sound to advanced understanding of retail credit risk fundamentals, including portfolio performance, delinquency and arrears metrics, provisioning, and key risk drivers.

• Formal qualification or certification in Business Analysis (e.g. CBAP) or equivalent practical experience.

• Exposure to risk data governance, BI modernisation, and/or regulatory reporting frameworks is highly regarded.

You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.

So why join us?

ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong. 

We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.

We want to continue building a diverse workplace and welcome applications from everyone. Please talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirements, let us know how we can provide you with additional support.

To find out more about working at ANZ visit https://www.anz.com/careers/. You can apply for this role by visiting ANZ Careers and searching for reference number 109863

Job Posting End Date

11/02/2026 , 11.59pm, (Melbourne Australia)