Job Description

Join Us as WIB Credit Analytics & AI Lead

What’s the Role

Westpac Institutional Bank (WIB) is seeking a Credit Analytics & AI Lead to shape the future of intelligent credit decisioning and credit portfolio optimisation across our institutional loan portfolios.

Reporting to the Head of DDAI CIB, this senior leadership role will lead the development and deployment of advanced credit analytics, AI models, and agent‑based automation across the end‑to‑end credit lifecycle. You will drive the digitisation of credit origination, monitoring, and portfolio optimisation capabilities to enable faster and smarter decision‑making at scale.

This role is central to advancing WIB’s focus on client-centric growth, combining deep credit expertise with cutting-edge AI capability to deepen client relationships and deliver sustainable returns. Analytics produced by this function will directly influence structuring decisions, investment outcomes, and automation opportunities across institutional banking

About the Team

Westpac Institutional Bank (WIB) delivers sophisticated financial solutions to corporate, institutional, and government clients across Australia and globally. WIB supports trade, capital markets, lending, and risk management for some of the region’s largest and most complex organisations.

The Data, Digital & AI (DDAI) function is the engine room for WIB’s digital transformation. DDAI defines and executes the division’s data, digital, and AI strategy—partnering with business leaders to unlock value through advanced analytics, responsible AI, and modern digital platforms. The team plays a critical role in enabling smarter decisions, improving customer experiences, and maintaining strong risk and regulatory standards.

Together, WIB and DDAI are at the forefront of transforming institutional banking through data‑driven insight, automation, and innovation.

Key Responsibilities

• Lead WIB’s credit analytics and AI strategy, delivering advanced models and insights across institutional loan portfolios to support structuring and investment decisions.
• Digitise the end‑to‑end credit lifecycle, embedding AI agents and automation across origination, monitoring, and portfolio optimisation processes.
• Establish and maintain robust data quality, governance, and compliance frameworks for credit data and AI‑driven decisioning.
• Develop predictive and real‑time risk capabilities to enable proactive portfolio management and smarter credit outcomes.
• Build and scale enterprise‑grade data and AI infrastructure, partnering closely with technology teams to deliver high‑performance analytics and automation.

• Lead, mentor, and grow a high‑performing AI capability chapter, fostering innovation and a strong risk‑aware culture.

Accountabilities

• Define and execute WIB’s AI strategy aligned to institutional banking priorities and broader enterprise objectives.
• Ensure AI and analytics solutions meet regulatory, risk, and governance expectations.
• Provide clear reporting and insight to senior stakeholders on performance, outcomes, and strategic impact.

What do I need?

• Deep expertise in credit risk analytics, portfolio modelling, and/or securitisation structures.
• Proven track record delivering AI and machine learning solutions in financial services, including predictive modelling and agent‑based automation.
• Strong understanding of institutional banking, credit markets, regulatory frameworks, and structuring.
• Experience digitising complex, end‑to‑end processes and building scalable analytical platforms.
• Demonstrated leadership capability with the ability to influence across business and technology, driving innovation and cultural change.

Create your future today

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We’re all about creating a supportive and inclusive community. We welcome everyone – no matter your age, gender, background, or abilities. We also provide additional support to welcome our veterans, Indigenous Australians and neurodiverse community.

If you need any adjustments during the recruitment process, you can find out more information and additional contact details by visiting the "People with Disability and/or needing Accessibility Requirements" page on our website