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At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About the Role

The Associate Manager position with the Credit Model Validation and Insights (CMVI) team at ANZ is primarily responsible to validate a diverse suite of credit risk models for Wholesale (non-retail) and Retail portfolios and to support the development of validation methodologies/frameworks, tools, and related governance activities.

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.

Role Type: Permanent
Role Location: Manyata Tech Park,Bengaluru

What will your day look like?

As an Associate Manager with CMVI, you will:

• Conduct validation of Wholesale and Retail ECL and Stress Testing models, including BAU periodic validations and support for review of model changes and new model development validations
• Engage key stakeholders, including Model Developers and Model Users, to communicate validation findings, agree on actions, and track resolution
• Contribute to ongoing automation initiatives, make continuous improvements in validation frameworks and processes and provide support for audit reviews

What will you bring?

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

• Proficiency in at least one quantitatively focused programming languages: e.g. R, Python, SAS
• Strong data manipulation/management skills including SQL and working with databases (e.g. BigQuery, Oracle, SQLServer)
• Experience in building/validating credit risk models (e.g., capital/AIRB, provisions/IFRS9 ECL, decisions/scorecard models, Stress Testing models, and/or climate risk models)
• Knowledge of Basel regulatory framework, capital (incl. PD, LGD, EAD) models, ECL/IFRS9, stress testing and/or climate risk
• Knowledge of Wholesale (non-retail) and retail models and portfolios
• Strong foundation in Mathematics/Statistics/Quant skills
• Educational Background: Post graduate qualifications in statistics, econometrics, mathematics, data science, machine learning or equivalent quantitative field

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 115540.

Job Posting End Date

13/05/2026 , 11.59pm, (Indian Standard Time)