About the role 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. 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: Bengaluru Role Type: Permanent, Fulltime The 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 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. Currently seeking to fill six senior risk analyst roles across acquisitions, valuations, portfolio management and collections risk functions, 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, 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. Your skillset will enable you to source and interrogate data, working with a focus on the future, with an active understanding of industry trends to ensure capability development is aligned. You will support strategic direction by translating insights into practical business recommendations, communicating team objectives, and presenting data in digestible, logical, and compelling ways. What 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 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 you bring? * At least five years of technical experience using data tools that require coding skills (such as SAS, SQL, Python, R, etc.). * A critical thinker, with prior experience solving business problems using data, analytics, and technology (systems), combined with complex and analytical thinking skills. * Excellent attention to detail, operating in a thorough and well-ordered way to produce accurate, complete, consistent, and compliant work. * Effective communication skills both written and verbal, with a strong capability to articulate complex analytical information clearly and simply. * Can appreciate difficult problems and enjoy getting stuck into the detail, but able to keep an eye on the big picture to keep moving forward. * Comfortable with uncertainty and can manage through ambiguity and change. * Stakeholder management experience, as necessary to enable work to be delivered. * Relevant prior experience working within industries including (but not limited to): financial, professional, or consulting services, utilities, engineering, information/data providers (such as credit bureaux). 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? ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data & operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90% of our people feel they belong. We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services. We want to continue building a diverse workplace and welcome applications from everyone. Please 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 requirements, let us know how we can provide you with additional support. To find out more about working at ANZ visit https://www.anz.com/careers/. You can apply for this role by visiting ANZ Careers and searching for reference number 65952 Job Posting End Date 19/07/2024, 11.59pm, (Melbourne Australia)