About Us

At 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 Role

As a Credit Risk Governance Manager in our New Zealand Retail Credit Team, you’ll play a key role in helping to:

• Ensure the effective execution and management of ANZ’s NZ Personal Credit Risk Governance Framework and related activities relevant to Personal Credit Risk NZ from a second line perspective.
• Key success of the role is to provide evidence-based assurance and reporting to confirm that ANZ’s NZ Personal Credit Risk Governance Framework and related activities are operating effectively and where weaknesses exist develop remedial strategies.

Banking is changing and we’re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you’ll be building your future, while helping to build ours.

Role Location: Manyata Tech Park, Bengaluru

Role Type: Permanent, Fulltime

What will your day look like?

As a Credit Risk Governance Manager, you will:

• Oversight, review and challenge of line 1 personal credit risk activities.
• Identify trends, risks, issues and opportunities; resolve them and/or escalate to senior management as required.
• Assistance in developing changes to strategy, policy and process to simplify and enhance credit risk end-to-end processes.
• Delivery of 2nd line credit assurance and control effectiveness activities, including thematic reviews and reporting to forums/committees as required to educate a broad stakeholder group and to influence continued focus on uplift.
• Support management of the credit risk governance, associated or relevant documentation and processes relevant to Personal Credit Risk NZ, namely:  NZ Personal Credit Risk Governance Framework, Integrated Assurance Plan (IAP), Targeted Credit Assurance and CAD Frameworks, Risk Management Attestation (RMA), and Model Governance Frameworks etc.
• Ensure compliance with relevant internal and external compliance requirements (internal policy and prudential standards and guides).
• Management of the non-financial risk frameworks (IAM) and all activities relevant to Personal Risk NZ.
• Continual uplift of credit risk governance, utilising automation and digital solutions wherever possible.

• Be a trusted operational risk and compliance SME for Personal Credit Risk NZ.

• Contribution to broader team development and capability uplift to enable delivery of current and future elements of long-term strategy.

• Building collaborative relationships with New Zealand and Global colleagues to enable objectives to be achieved and learnings shared.

• Assisting with prioritisation of tasks and projects to ensure optimal resource usage and business benefit and supporting effective management of workloads, without compromising quality of deliverables.

• Responsible for on-time delivery of activities above. Achieve productivity gains through process resource and efficiency.

• Manage the provision of secure, compliant, efficient, cost-effective and value-adding professional services.

What will you bring?

To grow and be successful in this role, you will ideally bring the following:

‘Must have’ knowledge, skills and experiences

• Background in understanding and knowledge of retail credit risk policies, processes and requirements.
• 5+ years financial services experience in either credit, governance, risk, compliance or audit.
• Proven ability to build and maintain relationships with stakeholders and to influence change.
• Collaborative mindset and driven towards efficiency and knowledge sharing within and across teams.
• Excellence in being able to prioritise the things that matter, having a curious mindset, deliver what matters in a timely and efficient manner and ability to be agile whilst staying true to the agreed core priorities and strategy.
• Proficient in Microsoft Office Programs.
• Sound analytical, numerical, research and problem-solving ability to turn information into actionable strategy.
• Strong written and verbal communication skills, including report writing.
• Ability to maintain high standards of accuracy and work to achieve deadlines.
• Desire to understand ANZ NZ banking environment to be able to contextualise information.

‘Good to have’ knowledge, skills and experiences

• Proven ability to design, enhance and report assurance outcomes and strategy to risk forums or committees. 
• Sound understanding of best practice governance disciplines, strategies, and techniques.
• Understanding of ANZ existing source and reporting systems.
• Knowledge of ANZ’s non-financial risk management frameworks and activities.
• Knowledge of ANZ’s compliance and operational risk platform (NFR hub).

Qualifications

• Relevant tertiary qualifications (e.g. legal, risk, audit, mathematics/statistics, economics and/or finance).

You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.

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 https://www.anz.com.au/careers. You can apply for this role by visiting ANZ Careers and searching for reference number 92066.

Job Posting End Date

08/04/2025 , 11.59pm, (Melbourne Australia)