This position will be responsible for improving profitability & driving financial growth of the Consumer lending business through appropriate origination's credit strategy, pro-active risk appetite management & implementation of best practice portfolio segmentation.

This position is part of a risk management team which has the responsibility of assessing the risk/reward trade-offs of key consumer business growth initiatives.

The role was responsible for providing analytical insight and recommendations to optimize the financial performance of the mortgages portfolio. (From acquisition, account and line management through to collections) process improvement and credit risk management solutions, primarily through enhancement of strategy manager, models and strategies.

The role involved providing technical and credit risk expertise relating to the implementation of ANZ future state Mortgages Origination Platform. This encompassed the entire project lifecycle (Scope, Requirements, Design, Implementation, Testing and Training). This role also involved influencing various technology/business groups as issues (e.g change requests, production incidents) arose. It also required leveraging relationships with other business stakeholders to conduct data analysis to… Show more The role involved providing technical and credit risk expertise relating to the implementation of ANZ future state Mortgages Origination Platform. This encompassed the entire project lifecycle (Scope, Requirements, Design, Implementation, Testing and Training). This role also involved influencing various technology/business groups as issues (e.g change requests, production incidents) arose. It also required leveraging relationships with other business stakeholders to conduct data analysis to help project and business stakeholders make more informed decisions when considering scope/functionality/Change requests/Defects. Show less

The role evolved over my term in mortgages credit risk that covered policy impact analysis, creating risk tools and calculators, system policy implementations, loan loss reviews and supporting various credit risk projects. This also involved oversight of three mortgages decision systems (credit decision and valuations systems) that processes ~320k mortgages applications p.a. This encompassed being a consultant for any system or policy changes to support business initiatives and regulatory… Show more The role evolved over my term in mortgages credit risk that covered policy impact analysis, creating risk tools and calculators, system policy implementations, loan loss reviews and supporting various credit risk projects. This also involved oversight of three mortgages decision systems (credit decision and valuations systems) that processes ~320k mortgages applications p.a. This encompassed being a consultant for any system or policy changes to support business initiatives and regulatory requirements. Show less

The role was responsible for managing a team of 6 analysts and developing strategies for collections outbound to achieve the delinquency targets set by credit risk, and grade of service for inbound. (~1.7m accounts pa and ~1.17m calls pa). It also involved providing analytical support for forecasting and capacity planning for all collections teams. This also required reviews of technical documents and adapting systems/processes to accommodate for various champion/challenger strategies set by… Show more The role was responsible for managing a team of 6 analysts and developing strategies for collections outbound to achieve the delinquency targets set by credit risk, and grade of service for inbound. (~1.7m accounts pa and ~1.17m calls pa). It also involved providing analytical support for forecasting and capacity planning for all collections teams. This also required reviews of technical documents and adapting systems/processes to accommodate for various champion/challenger strategies set by credit risk. Show less

The role was responsible for producing various monthly reports and providing analytical support for collections. It also involved providing technical support for the department’s production data (SQL/Access) and automation/process improvement activities.

The role was responsible for producing various monthly reports and providing analytical support for sub teams (Sales, Retention, Campaign Management and Operation Managers) under the department. It also involved providing technical support for the department’s production data (SQL/Access) and automation/process improvement activities.

The role involved preparing and processing fallback vouchers, maintaining productivity reports and collating fallback data for forecasting/capacity planning purposes