The key objective of this position is to contribute to the Risk functions by providing information, statistical analysis and recommendations to support, develop and implement risk activities. These activities are primarily focused on driving profitable growth for the business, while balancing the associated risks.~ Supported business in the implementation of the new Q2 salesforce originations platform by extracting, transforming and loading data that can be used for risk related reporting, analysis and insights.~ Supported business in refining the risk related policy rules, process and monthly report generation by automating SAS jobs, data validation and building insightful reporting dashboards (Snowflake, SAS and Power BI).~ Undertook analysis and monitoring to determine the impact of portfolio strategy changes in the areas of application and account management.~ Provided input into the systems implementation of risk strategy changes, including reviewing detailed test cases.~ Perform analysis to identify potential strategy improvements to help drive profitable growth.Provided regular Portfolio Analysis/Reviews to assess Portfolio performance vs. business targets.~ Supported key projects, via analytics, project participation, business case input, execution of credit strategy changes. Project activities includes the investigation and documentation of data sources, the mapping of critical strategy variables and the design and execution of test plans.~ Conducted regular portfolio reporting and analysis on key risk metrics and assisted with scorecard/model development, implementation, testing and monitoring.

• Identified $8m of provision benefit (IAS 139), communicated the plan of achieving that over 2 year period to senior management and executed it in a timely manner.• Supported Automation of SAS jobs and utilized SAS server to reduce workload for our team.• Enabled business to make better data driven decision through stress testing particularly for the First home Buyer segment.• Conducted monthly meetings with various stakeholders on portfolio quality review, delinquency performance and provisioning benefits ranging from product to operations and from Finance to senior manager in Risk.• Prepared monthly reporting packages for both secured and unsecured products including detailed analysis of variances to plan and forecast.• Acted as an SME for any AASB 9 provision methodologies, modelling and governance framework including documentation.• Managing Risk Manager Round Table (RMRT) monthly submission and adhoc surveys.• Oversighting APRA quarterly ARF 223 submission which comes from finance against any variances vs Risk and highlighting them to the senior managers. • Supporting Senior manager and General manager risk in preparing Credit Risk committee and Board reports.• Working closely with collections team to manage Bad & Doubtful debt efficiently and driving business benefits through campaign prioritization and recovery process.• Supported Treasury, money markets and market risk in preparing S&P, Moodys, Investor and road show packs.

• Proactively monitor and review electronic account and transaction data for suspicious activity and possible fraud.• Creating and/or changing rules to feed in to the 24 hour fraud monitoring software to catch and prevent fraud at the earlier stage for our credit card portfolio by analysing recent fraud trends.• Minimizing false positive ratio and working with operations to effectively manage PRM while reducing the load on fraud officers.• Performing research in information security and fraud prevention techniques, and recommend approaches for improving an organization's security posture.• Presented fraud findings to RTUG (Risk Tool User Group) and preparing fraud trends paper on a quarterly basis for the same.• Supported Senior manager in producing quality ORCC (Operation Risk and Compliance Reports).

- Responsible for running an outbound automated dialer for the collection department which includes 14 different teams, 5 different products in a productive and efficient manner.- Carried out Best time to call analysis (BTTC) on an ongoing basis to measure the contact rate based on the current data trends, customer segmentation and campaign management.- Provide with in depth historical reporting in order to maximize the occupancy and efficiency of the running of the outbound automated dialer.- Developing effective strategies which meets business requirements and helps achieving regular operational benefits.- Process mapping all the new process, drafting business requirements and changes for better and effective communication.- Focusing on achieving business benefits on a daily basis by analyzing different data trends – Agent, campaign and operational level metrics.- Liaising with the production service support teams when the systems are down, managed to get 18 % of system downtime to merely 2 %. - Provide on going training to the new staff who have recently joined the team and give them in depth exposure to outbound automated dialer and how can the business derives benefits from it.- A good proven relationship management with stake holders, drafting correspondence, invoice reconciliation, preparing presentations and arranging conference.- Identify the gaps within the collection processes and to liaise with legal/assurance team in order to produce an outcome which will benefit the business.- Maintaining/creating proper documentation for the changes suggested to the business and any other process change within the team.