Risk Appetite Associate

Job Description

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.

Now is a great time to be part of the ANZ Commercial. With a refreshed strategy, investment in systems, people and process, together we're shaping the future of our division supporting more than 600,000 small to medium enterprises, corporates and specialised industry customers as well as high net worth private banking customers. Our teams are a critical part of this strategy and a cornerstone of helping ANZ create the bank of the future supporting even more customers starting, growing or running their business.

About The Role

As a Risk Appetite Associate in the Business Governance & Assurance team you will play a key role supporting the Australia Commercial Division credit risk strategy, credit risk appetite, portfolio monitoring and initiatives to ensure effective compliance with regulatory obligations and support business growth objectives.

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 Type: Permanent

Role Location: Bengaluru

What will your day look like

This role is accountable for:

- Provides support to the Risk Appetite Manager by engaging with Portfolio, appetite, risk teams and other stakeholders to assist in obtaining agreement on Commercial Banking changes and initiatives.
- Collaborate with Business Performance team, Portfolio risk team and other relevant parties in relation to credit risk policy and requirements (e.g. Property ANZSIC code definition), remediation and other credit risk and well managed matters to ensure they balance regulatory compliance with enabling balanced growth while considering value or impacts on bankers and customers
- Supports delivery of risk strategy initiatives, balances business, customer and regulatory requirements to deliver sound business growth and make things simpler and better for the business
- Execute plans to ensure regulatory requirements are met
- Assist with the design in conjunction with Portfolio risk team and other relevant parties end to end processes (where appropriate) to deliver on agreed risk strategy initiatives.
- Support the delivery of changes which clarity and simplify appetite and processes, increasing consistency across DOLs.
- Assist in engagement with other functions within ANZ to drive synergies and mitigate risks for the business, ensuring that initiatives are appropriate and meeting ANZ requirements.
- Support with oversight of risk management forum process to ensure timelines are met and risks are appropriately managed to optimise the portfolio.

What will you bring

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

- Data Analysis with Strong Excel Skills: Proficiency in data analysis is essential, with a strong emphasis on advanced Excel skills. Candidates should be capable of collecting, organizing, and analysing large datasets to inform decision-making processes. This includes the ability to use Excel for data cleaning, statistical analysis, and creating comprehensive reports
- Compliance and Policy Management: Identifying and interpreting applicable laws, rules, codes and standards to create and/or manage policies, processes and procedures, including how these are organised, reviewed and communicated.
- Governance: Providing governance expertise to support the effective operation of a team, function, project or entity. This includes developing and implementing governance frameworks (including rules, relationships, systems and processes) to assist with the proper exercise and control of authority.
- Communication: The ability to convey and comprehend information effectively in both spoken and written formats.
- Critical thinking: The ability to use logic and reasoning to analyse, evaluate and synthesize a range of information to understand an opportunity or challenge.
- Risk Management: A logical and pragmatic method of establishing the context, identifying, analysing, evaluating, treating, monitoring and/or communicating risks associated with any activity, function or process in a way that will enable the organisation to minimise losses and maximize opportunities.
- Planning and Prioritisation: Planning and prioritising what needs to be done (including people, process and technology implications) to deliver upon customer/user needs and strategic priorities. This includes identifying, planning for, tracking and resolving dependencies.

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.

To ensure you have all the necessary details about the role and are well-prepared for the interview, please download the Job Description before submitting your application.

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 and 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 percent 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 89207.

Job Posting End Date

07/04/2025 , 11.59pm, (Melbourne Australia)

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