This is a Manager, Home Buying Retail Credit Strategy & Assurance role with Commonwealth Bank based in Sydney, NSW, AU Commonwealth Bank Role Seniority - mid level More about the Manager, Home Buying Retail Credit Strategy & Assurance role at Commonwealth Bank You’re a sharp Line 2 credit risk expert who transforms data into clear, independent insight We’re the Group’s trusted risk voice, safeguarding credit appetite across CBA, Bankwest and Unloan Together, we strengthen portfolio resilience and keep credit risk firmly within appetite See yourself in the team Risk Management protects the Group’s interests by providing insightful, independent risk leadership and a commercial, evidence‑based approach to managing risk. The Board and regulators rely on Risk Management as a trusted, independent voice that helps the Group deliver sustainable returns within appetite. Do work that matters You’ll strengthen and operate an effective Line 2 credit risk capability for CBA and Bankwest. You’ll build and manage internal and external stakeholder relationships, analyse data and performance indicators to identify emerging risks, and ensure key credit metrics remain within appetite. You’ll also maintain robust credit risk frameworks and provide independent oversight and assurance. More specifically, you will: Manage, coach and develop your team, role‑modelling the Group’s vision, values and leadership behaviours Establish and maintain Line 2 credit risk appetite across CBA, Bankwest, RMG and Unloan Home Buying portfolios, ensuring measures and thresholds are clear, robust and actionable Lead technical Line 2 reviews and offer independent challenge of risk/reward strategies and their supporting analytics Monitor portfolio performance and conduct deep‑dive analysis to identify emerging risks and recommend strategy adjustments Provide oversight of material changes to origination, decisioning, arrears and collections processes and products, ensuring controls and outcomes balance financial and customer considerations Drive data and process‑improvement initiatives, including data optimisation, insight visualisation, risk segmentation and reporting Communicate succinctly with senior stakeholders and committees, offering clear recommendations and evidence‑based advice We want to hear from you if you have: Proven experience in an analytics or data role using SQL, SAS, R or Python Understanding of macroeconomic and regulatory environments and credit risk. Strong written and verbal communication skills, with the ability to clearly articulate insights and advice to diverse audiences. A tertiary qualification in a relevant quantitative discipline such as Mathematics, Actuarial Science or Statistics We’re keen to hear from people who may not meet every criterion. We’re open to supporting the right candidate to build skills during their journey at CommBank. A workplace where you can thrive Our people bring diverse backgrounds and unique perspectives to create a respectful, inclusive and flexible workplace. We’re driven by our values and supported to share ideas, initiatives and energy. Making a positive impact for customers, communities and each other is part of our every day. We support flexible work, with at least half of your time each month connecting in person. We also offer flexible options such as varied start and finish times, part‑time arrangements and job‑share. Talk to us about how these could work for the role you’re considering. If you're already part of the Commonwealth Bank Group (including Bankwest, x15ventures), you'll need to apply through Sidekick to submit a valid application. We’re keen to support you with the next step in your career. We're aware of some accessibility issues on this site, particularly for screen reader users. We want to make finding your dream job as easy as possible, so if you require additional support please contact HR Direct on 1800 989 696. Advertising End Date: 04/02/2026 Before we jump into the responsibilities of the role. No matter what you come in knowing, you’ll be learning new things all the time and the Commonwealth Bank team will be there to support your growth. Please consider applying even if you don't meet 100% of what’s outlined Key Responsibilities Managing and developing the team Establishing credit risk appetite Leading technical reviews Key Strengths Analytics expertise Understanding of credit risk ️ Communication skills Quantitative discipline A Final Note: This is a role with Commonwealth Bank not with Hatch.