Associate Director, Credit Validation

Offers opportunity to challenge existing approaches and modelling methodologies. Offers variety across different projects, from IRB, IFRS9 and internal operational models applying innovative validation techniques. Join a supportive and collaborative team in this high-profile role. Our people are customer obsessed. They work in close partnership to prioritise customer needs and deliver exceptional outcomes. This collaborative mindset enables innovation and builds enduring customer relationships supporting our ambition to be the mostcustomer‑centriccompany in Australia and New Zealand. As the Associate Director , you will join the Risk Frameworks, Execution and Models Team that is doubling down on shaping our strategic Model Risk validation approach while protecting our customers. You’ll make an impact by: Leading independent validation of IRB, IFRS9 and credit decisioning models. Assessing conceptual soundness of rating philosophies, data quality, calibration and performance testingacross economic conditions incorporating state of the cycle assessments. Oversee validation of model performance through the credit life cycle, including portfolio and segment level outcomes, interaction with RWA overlays, expert judgement and management adjustments. Provide credible challenge where outcomes diverge from expectations and risk appetite. Ensure validation conclusions are reflected in capital usage and RWA outcomes, credit decisioning frameworks, limitations, overlays and monitoring requirements. Partner with model owners to ensure findings are remediated appropriately. Act as line 2 technical authority on credit model validation matters. Support regulatory reviews, deep dives and supervisory engagement relating to IRB models. You’ll bring to this role: Previous experience in banking/financial services, model development/validation, credit risk, and/or quantitative modelling roles (developing models, extracting data), and/or governance. Strong statistical and economic modelli