Job Description

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 ANZ Australia Risk division are expanding their presence in Bengaluru, with a great career opportunity to join the Global Capability Centre at ANZ and be part of the Retail Risk team to deliver on the Australia Risk strategy. Join an innovative, vibrant team that includes credit risk, operational risk, compliance, and governance professionals, modelling and portfolio management experts. Experience an exciting team environment that genuinely focuses on your growth and development.The Retail Credit Risk Department is responsible for the management of credit risk policy, strategy, governance and oversight across the credit lifecycle, balancing customer, shareholder, and regulatory objectives. Our dedicated team understand the power of data, science, technology, process, and people to collaborate to solve business problems. They leverage data and analytics to formulate solutions and work with business stakeholders to develop sound proposals that promote sustainable and profitable business growth.This is a pivotal role directly contributing to improving ANZ Home Loans business financial health and stability. The role will be responsible for contributing to the management of ANZ\'s home loans credit risk frameworks and strategies.Your skillset and experience will enable you to provide thought leadership to deliver quality credit policy and strategy management. You will support influencing strategic direction by translating data into insights and practical business recommendations, communicating team objectives, and presenting data in digestible, logical, and compelling ways.Role Type: Full Time, Permanent
Role Location: Manyata Tech Park, BengaluruWhat a typical day might look like

• Deliver on actionable/value-add insights and analyses in support of the decision automation and optimisation journey of Retail Credit Risk
• Streamline credit risk strategy, policy, and process for ANZ\'s Retail Credit Portfolios
• Deliver improved decision automation, low friction and fast outcomes for customers whilst managing ANZ risk appropriately.
• Utilise analytical techniques, leveraging existing data and system infrastructure, to create more tailored decisions and offers that improve customer and business outcome.
• End to end delivery of changes from ideation to rollout, coordinating with stakeholders across the business.

Who are you?

• A team player - You know we only win if we all win. You recognise and value the different perspectives and skills your colleagues bring. It is not about being a hero but jumping in and contributing to the successful delivery of the team\'s mission.
• The customer\'s biggest fan - You demonstrate a thirst for better understanding the customer and define the problem and develop solutions through their eyes.
• Comfortable being uncomfortable - You are comfortable with uncertainty and can effectively manage yourself through ambiguity and change.
• Continuous improvement junkie - You constructively challenge the status quo, look for better ways to do things and passionately advocate continuous improvement.
• Committed to your own and other\'s growth - You strive to stretch and grow yourself and others by identifying your own development areas, seeking feedback and providing feedback to others to help them learn and grow every day.
• A problem solver - You are energised by tackling complex problems and use critical thinking, your network, skills, knowledge, and available data to drive better outcomes for our customers and the bank.
• Risk savvy - You build sustainable solutions that protect customers, stakeholders, and the community.

What will likely be in your toolkit?

• At least seven years of relevant experience solving complex business problems that require strong judgment, commercial focus, and thought leadership, drawing on various techniques and prior experiences, extrapolating, exploring, and experimenting where new challenges are encountered.
• Relevant prior work experience within industries including (but not limited to): banking and financial services (ideally in functional areas such as credit, risk, or product), professional, or consulting services, utilities, engineering, information/data providers (such as credit bureaux).
• Proven technical capabilities and experience with data analytics/science and/or decision systems techniques and tools (e.g., SAS, SQL, R, Python, PowerCurve, AbInitio, etc.), coupled with strong analytical, numerical, research and problem-solving proven ability to turn data into information and information into actionable business decision strategy. In addition, a demonstrable ability to design, enhance and work with reporting sources.
• Assisted with the development and documentation of acquisition strategies, their alignment with operational process/strategy, business requirements, issues, and specific enhancement proposals. Having participated in projects to rationalise, simplify, and improve credit policy deployment, acquisition front end strategy, and process.
• Solid stakeholder management experience to build and maintain strong cross-functional relationships with key personnel throughout value-chain, understanding and responding to stakeholder needs.
• A self-starter with a high degree of initiative and autonomy to navigate ambiguity and make decisions within a broadly defined direction and set boundaries.
• Excellent communication skills both written and verbal, to translate technical content into business insights, author business narratives and recommendations clearly and simply.
• An effective coach who is sought out for their knowledge and experience when troubleshooting and guidance is needed.

How you contribute to the ANZ culture (Our Ways of Leading)?

• Be Curious - I create a learning environment by modelling, encouraging, and rewarding curiosity and purposeful experimentation.
• Create Shared Clarity - I bring people on the journey, creating a shared understanding of our context, purpose, goals, and progress. Even when it\'s ambiguous, I create focus and enough certainty to deliver and succeed.
• Connect with Empathy - I listen to, care about, and connect personally with people, striving to put myself in their shoes. I have courageous conversations with empathy, which help everyone move forward.
• Empower People - I give people the space and confidence to think, decide and act with autonomy, and trust that they can deliver exceptional things with support and encouragement, grow and be ready for a future that is constantly changing. I challenge myself to do the same.

So 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 79915.Job Posting End Date01/11/2024 , 11.59pm, (Melbourne Australia)

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