Credit Risk Policy Manager

About UsAt 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 RoleThe 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.Role Location: 833 Collins Street, Docklands VIC 3008
Role Type: Permanent, Full TimeWhat will your day look like?This role is accountable for:Risk and Compliance: Develop, implement, and review Credit Risk policies for retail banking products including mortgages, personal loans, credit cards, and other consumer lending products.Financial: 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. This includes but is not limited to:Reviewing and assessing retail lending applications to determine a borrower's credit worthiness.Analysing applicants' conduct, capacity, character and collateral to decide a credit application.Review of financial and supporting documents provided by the applicants, such as payslips, bank statements, and tax returns.Provide feedback on loan applications, conditions, or declines to relevant stakeholders.Financial: Assisting to deliver an agreed work plan across Acquisition Strategies that is aligned to operational strategies and deliver the greatest benefit to the wider organisation.Customer: Assisting with the development and documentation of acquisition strategies, their alignment with operational process/strategy, business requirements, issues, and specific enhancement proposals.Process: Participating in projects to rationalise, simplify, and improve credit policy deployment, acquisition front end strategy, and process.People: Provide policy advice/training and mentoring to team members.People: Collaborate with cross-functional teams to ensure the effective implementation of Credit Risk policies.Risk Compliance: 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.What will you bring?To grow and be successful in the 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.Experienced 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.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 are a candidate with a disability or access requirement, let us know how we can provide you with additional support.To find out more about working at ANZ, visit . You can apply for this role by visiting ANZ Careers and searching for reference number 69003.