Credit Risk Practitioner

About the role

The Credit Risk Practitioner role sits within a team building a more integrated, insight-led practitioner model that goes beyond reporting and plays an active part in shaping credit outcomes. It suits a data-minded risk professional who enjoys solving real business problems. You will use data, analytics, business judgement, governance principles and collaboration to improve credit strategy across the full lifecycle, including originations, portfolio management and collections, working with Product, Pricing, Technology, Operations, Collections and L1 and L2 Risk teams.

Key responsibilities

• Take end-to-end ownership of credit challenges, from defining and sizing the problem to delivering solutions
• Develop and improve credit strategies across originations, account management and collections using segmentation, decision logic and performance analysis
• Identify trends, drivers, emerging risks and opportunities, and turn analysis into practical recommendations
• Support high-quality implementation through testing, validation, documentation and traceability aligned to policy and regulatory expectations
• Use data, analytical tools and modern platforms to strengthen decisioning and operational effectiveness
• Partner with business, technology, operations, finance, compliance and risk teams so strategies are practical and perform well in production

Required profile

• Experience in credit risk, preferably in retail lending
• Strong analytical capability and ability to interpret complex data and derive actionable insights
• Ability to translate analysis into clear, practical recommendations that balance customer outcomes, risk appetite and business performance
• Sound understanding of Australian retail credit portfolios and core portfolio metrics such as losses, recoveries, provisions and returns
• Tertiary qualification in a quantitative, analytical, commercial, legal, technology or related discipline, or equivalent practical experience

Required skills

• SQL, Python, SAS, Excel, Tableau or similar tools for analysis and performance monitoring
• Experience with modern data platforms such as BigQuery or Snowflake
• Problem-solving, structured thinking and collaboration across business and risk stakeholders

Flexible working is supported, with at least half the time each month spent in the office, plus options such as adjusted hours, part-time and job share. Candidates already in the Commonwealth Bank Group must apply through the internal application system.