**How will I help?**
We have an exciting opportunity for Credit Risk Analyst role. Your role as a Credit Risk Analyst within Credit Risk Collections contributes to our vision of being one of the world's great companies, helping our customer's, communities, and people to prosper and grow. Y ou will be required to establish and maintain "best practice" risk management processes and techniques that support the stated product and customer strategy. You will be developing and monitoring profitability-based strategies for account management, and syndicate with appropriate stakeholders. You will be a key support to (Senior) Risk Managers with developing profitability-based strategies for delinquent account management (Collections and recoveries) at a customer and account level across multiple brands.
**Your responsibilities will include**:
- Development, research, analysis and interpretation of significant portfolio performance trends.
- Maintaining effective partnership with business owners by providing timely support in relation to credit risk, delinquency performance, collection strategy, and decisioning system issues.
- Contributing to development, implementation and monitoring of risk-based Collections / Recoveries Management strategies.
- Providing insight to portfolio performance and forecasting delinquency as well as bad debt loss accurately.
- Support the management of external stakeholders including Insolvency and Trustee Service Australia, ASIC and the Privacy commissioner where applicable to collections and recovery activities
- Ensure credit policy and risk strategy is communicated effectively to the frontline and stakeholders
- Development, implementation and monitoring of effective credit policies
- Your role develops and deepens valuable customer partnerships, by growing retaining and attracting customers.
**What's in it for me?**
You'll play an important and significant part in the future of a business that has been around for 200 years and be instrumental in achieving our purpose of helping Australians and New Zealanders succeed. So, we'll back you in the development of your career, with internal career prospects and flexible working. You'll also be backed by a fantastic team of people in a can-do, supportive structure.
**What do I need?**
- Tertiary qualifications or equivalent risk analytics experience
- Minimum 1-3 years credit risk management experience
- Strong SQL, SAS programming and Excel skills
- Strong understanding of business, credit scoring, behavioural scoring, scorecard development and monitoring
- Risk management and credit policy experience.
- Knowledge of the credit lifecycle, collection strategy and workflow
- Exposure to credit risk decisioning system
- Desirable practical experience in consumer lending and collections
- Proficient with data extraction, manipulation and analysis
- Analytical and problem-solving skills and forecasting experience
**What's it like to work there?**
As well as good pay and a great culture, joining the Westpac family means you'll get some of the best banking, wealth and insurance benefits in the market. We back our employees by helping them work towards industry-recognised qualifications, using online learning, training modules and career planning tools for you to grow with us. We'll even pay you to do volunteer or community work. As an equal opportunity employer, we're proud to have created a culture and work environment that values diversity and flexibility - and champions inclusion
**How do I Apply?