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Manager Credit Risk Analytics

ME Bank

Job Description

About the role

The Credit Risk team works across the Mortgages, Credit Cards and Personal Loans portfolios, The team has accountability for key elements of the credit risk function including policy, risk analytics, credit risk strategies and credit risk oversight to enable the delivery of growth, business objectives and portfolio management in line with ME's Risk Appetite Statement.

Reporting to the Senior Manager- Portfolio Analytics & Reporting, this role is responsible for credit risk analytics, portfolio monitoring and credit loss provisioning for the Bank’s Secured and Unsecured lending products to meet customer numbers, financial targets and credit quality objectives.

Acting as a 2IC to the Senior Manager, your day will comprise of the following (but won’t be limited to):

Liaising with multiple stakeholders from various areas of the bank including Finance, Products, Operations and Investor Relations

Providing insights into the credit quality of all Retail portfolios

Forecasting credit quality and credit losses for the Retail portfolios

Optimising the Bank’s profitability through managing, developing and enhancing provisioning, forecasting and Portfolio Stress Testing models and methodologies

Ensuring Credit Risk reports and analyses via Credit and Executive committees are delivered with appropriate socialisation, quality and efficiency

Contributing to the coaching, people development and engagement of the Portfolio Analytics and Reporting team and the wider credit risk team

Leading engagement with senior stakeholders including presenting to Steering Committees where required

About you

We are seeking someone who has a solid credit risk background with a sound understanding of the end-to-end credit life cycle.

You will be a strategic thinker and very hands on in your ability to use SAS/SQL to extract and utilise data effectively to provide valuable insights. You are equally comfortable presenting and working with senior stakeholders and understand the importance of using data and past experiences to solve business and customer problems. You pride yourself in being able to break down complex matters for all stakeholders to understand, regardless of their technical knowledge and expertise.

You will bring with you, well developed stakeholder management skills with the ability to consult and influence effectively across the organisation. With strong report writing skills, you’re just as comfortable presenting and making recommendations to senior leaders and committees, including executives and the board.

You are someone who enjoys and can work independently, thinks laterally in solving problems, demonstrates high attention to detail in their work, and loves ambiguity within an ever-changing environment.

You love a challenge and are incredibly resilient; if something doesn’t work or you can’t find the answers, you don’t give up. You’re a real team player and have a collaborative approach and you want to be part of something big and use your skills and experience to make a difference.

About ME

We’re not like other banks.

ME was created by the industry super funds to be different from the pack – with a core purpose to help all Australians get ahead financially – no conditions, asterisks or exceptions. And we know that looking after customers starts with taking care of our people.

We believe everyone deserves the same opportunities in life, regardless of gender or identity, sexuality, ethnicity, religion or disability ‒ with internal affinity groups.

Perk ME up

Once you get your feet in the door at ME, we’ll put them both in your very own ME-branded Converse shoes. You’ll also get the following financial, health and fun perks when you join the team:

4U Extras portal (discounts and cashback on 100s of items including cinemas, shopping and gym memberships

10% Myki discount

Purchased Leave programme

Internal wellness programme (Mindfully ME)

Professional education through LinkedIn Learning

Novated Leasing

Professional membership reimbursements

Health checks

Financial education (To help you manage your money smarter)

LGBTIQ+ and Women at ME affinity groups

I was born to play this role

Can’t see a closing date on the advert? That’s because we’re pretty efficient here at ME and we may start looking at applications sooner rather than later, so if this role sounds like your jam, be sure to apply by submitting your CV today.

Should an applicant be the preferred candidate, background checks (including police checks, reference checks, ASIC banned and disqualified persons and bankruptcy checks) will be completed prior to the candidate's employment being confirmed. The outcomes of the background checks do not automatically bar candidates; however, will be assessed against the inherent requirements of the job.

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