About Us

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

As a Credit Risk Policy Manager in our Business Owner / Home Owner Team, you’ll play a key role in helping to shape credit policy. The role will manage the development, implementation, and maintenance of credit risk policies for ANZ’s retail lending portfolio, covering home loans, personal loans and credit cards. This role is pivotal in balancing the bank's growth objectives with its risk appetite, ensuring that credit risk is effectively managed in line with the bank's strategic objectives and regulatory requirements.

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: 8-month fixed-term opportunity
Role Location: 833 Collins Street, Docklands VIC 3008
Work Hours: Full-time

What will your day look like?

As a Credit Risk Policy Manager, you will:

• Develop, implement, and review credit risk policies for retail banking products including mortgages, personal loans, credit cards, and other consumer lending products.

• Ensure that credit risk policies are in line with the bank's risk appetite, strategic objectives, and regulatory requirements.

• Exercise expert judgment to either decision complex/escalated credit applications and/or make sound recommendations for executives management to consider in their decision making process. T

• Assist to deliver an agreed work plan across Acquisition Strategies that is aligned to operational strategies and deliver the greatest benefit to the wider organisation.

• Provide education to business units in relation to improving the efficiency and effectiveness of credit policy and risk metrics using appropriates solutions and their alignment.

• Participate in projects to rationalise, simplify, and improve credit policy deployment, acquisition front end strategy, and process.

• Provide policy advice/training and mentoring to team members.

• Manage Non-Financial Risks. Know your risks, know your controls, manage your COR events (information in COR is accurate, up-to-date, easy to understand, and action oriented). Support Audits and deliver on all audit-related commitments.

• Support regulatory engagements, including those of a BAU nature, with relevant insights and updates on key topics and commitments made. 

What will you bring?

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

• Strong research and problem-solving proven ability to turn data into information and information into actionable business decision strategy.

• Understanding of the benefits and insights derived from data analytics/science and/or decision systems techniques and tools to assist with policy development.

• Solid experience in risk management, with extensive cross-functional and cross-portfolio strategy experience.

• Proven ability to communicate up and amongst peer groups.

• Effective people and project management skills. 

• Well-developed written and oral skills.

• Expert ability to underwrite and review retail lending applications.

• Strong ability in judgmental credit decisioning.

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?

From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.

But it's not just our customers who'll feel your impact. You'll feel it too. Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.

We're a diverse bunch at ANZ in different roles, different locations, doing different things. That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.

At ANZ, you'll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated. That's because we're committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you're a candidate with a disability or access requirement, and have an enquiry about the support provided, please let us know on your application or visit ANZ Accessibility and Inclusion Programs for alternate contact methods.

To find out more about working at ANZ, visit https://www.anz.com.au/careers. You can apply for this role by visiting ANZ Careers and searching for reference number 91020 .
 

Job Posting End Date

14/04/2025 , 11.59pm, (Melbourne Australia)