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 Manager, Retail Risk Acquisition Strategy, supporting the Home Loans business within our Australia Retail division, your mission is to drive effective credit risk management and support customers experiencing financial difficulty. You will lead the design, oversight, and continuous improvement of ANZ’s home loan credit risk frameworks and strategies, ensuring responsible, customer‑centric outcomes. You will work in a fast‑paced and evolving environment, where adaptability, strong leadership, and sound credit judgment are essential.

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: Melbourne or Sydney
Work Hours: Full‑time

What will your day look like?

This role is accountable for:

•    Displaying thought leadership with respect to the development and implementation of Acquisition strategies that are geared towards balancing the trade-offs across customer experience, credit automation/process simplification, new business writing/revenue growth, and managing loss exposure.
•    Delivering an agreed work plan across Acquisition Strategies that is aligned to operational strategies and deliver the greatest benefit to the wider organisation.
•    Driving performance conversations with an operational and strategic focus, to ensure the appropriate dialog takes place with an emphasis on understanding portfolio performance in the areas of scorecard outcome,  vintage outcome, settlements and conversion by LVR relative to Business Writing Strategies (BWS) / Plan, key trends, operational performance, root causes, and key  and emerging risks and issues but also opportunities for both retail portfolios and agree, prioritise and support appropriate actions.
•    Assisting with the development and documentation of acquisition strategies, their alignment with operational process/strategy, business requirements, issues, and specific enhancement proposals.
•    Assisting with prioritisation of tasks and projects to ensure optimal resource usage and business benefit and supporting effective management of workloads, without compromising quality of deliverables.
•    Providing expert education to business units in relation to, a) performance levers pertaining to acquisition performance and related impacts, financially and operationally, b) improving the efficiency and effectiveness of credit policy and risk metrics using appropriates solutions and their alignment and c) build collaborative relationships with business partners and other key stakeholders to add value.
•    Helping drive all related aspects of target opportunities in strategy development that directly contributes to the ongoing improvement of acquisition simplification and efficiency via the use of predictive decision strategies.
•    Participating in projects to rationalise, simplify, and improve credit policy deployment, acquisition front end strategy, and process.
•    Provide technical advice, technical training and mentoring to team members.
•    Support effective management of workloads and quality of deliverables.
•    Ensuring all acquisition strategies/ and front-end models comply with ANZ Group governance requirements, policies, processes, and standards and with legal/regulatory requirements.
•    Managing 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. 
•    Identify trends, risks, issues and opportunities; resolve them and/or report escalate to snr mgt as required. 

What will you bring?

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

•    Strong analytical, numerical, research and problem-solving proven ability to turn data into information and information into actionable business decision strategy.
•    Proven technical capabilities and experience with data analytics/science and/or decision systems techniques and tools (e.g., SAS, SQL, R, Python, PowerCurve, AbInitio, etc.).
•    Proven ability to design, enhance and work with reporting sources.
•    At least ten years’ experience in risk management, with extensive cross-functional and cross-portfolio strategy experience. 
•    Skilled at the use of facts in discussions and communication with staff and peers. 
•    Proven ability to communicate up (one level above) and amongst peer groups.
•    Effective people and project management skills - with the ability to motivate and manage a team of managers and/or analysts.  
•    Well-developed written and oral skills with ~80% of role behavioural, stakeholder engagement evident, executive presence a strength, 20% of the role technical (having already exhibited experience in previous technical roles via individual’s career path).
•    Demonstrated financial skills in portfolio management.
•    In depth understanding and knowledge of acquisitions processes and requirements, acts and legislation impacting collections practices.
•    Demonstrated ability to manage in a downturn (where delinquency and losses have exceeded 20% of the norm), has shown resilience capabilities.
•    Sound understanding of global best practice credit origination environments, strategies, and techniques.
•    Understanding of ANZ existing source and reporting systems. 

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 112925 .
 

Job Posting End Date

07/04/2026 , 11.59pm, (Melbourne Australia)