About the job

In the role of Senior Analyst, Unsecured Credit, you will report to the Head of Unsecured Credit Personal Lending and play a key role in managing the credit performance of NAB’s unsecured lending portfolios, including Personal Loans and NAB Car Loan. You’ll support the optimisation of credit strategies and delivery of initiatives that balance risk, reward and customer experience across the credit lifecycle.

This role sits within the Unsecured Credit Portfolio Management team and offers strong exposure to portfolio optimisation, decisioning strategy and cross‑functional collaboration. You’ll use data and analytics to generate insights and support decisions that drive safe, compliant and profitable growth.

Our people are customer obsessed. They prioritise the needs and satisfaction of the customer above all else.  Our mindset fosters innovation and creates strong, lasting customer relationships as we strive to be the most customer centric company in Australia and New Zealand.

Each day, you’ll go above and beyond to:

• Monitor and analyse performance across Personal Loans and NAB Car Loan portfolios to identify trends, risks and opportunities.
• Deliver reporting and insights to support credit decisioning and portfolio optimisation.
• Improve credit strategies through enhancements to scorecard cut‑offs, limit allocation, policy rules and use of external data sources.
• Apply champion/challenger approaches to test and refine decision settings.
• Deliver post‑implementation reviews (PIRs) and performance tracking to provide clear insights to stakeholders.
• Support delivery of key Unsecured CPM initiatives and projects that optimise risk‑adjusted returns and customer outcomes.
• Collaborate with stakeholders across Unsecured Business, Risk, Operations, Marketing and other credit teams.
• Proactively manage risk by adhering to policies and controls, supporting responsible lending obligations and ensuring strong governance.

What you will bring:

• Strong analytical and problem‑solving capability with the ability to translate data into actionable insights.
• Experience using analytical tools such as SAS, SQL, R or Python.
• Commercial acumen with an understanding of credit risk and portfolio performance drivers.
• Strong stakeholder‑management skills and ability to work across cross‑functional teams.
• Results‑focused mindset with the ability to manage competing priorities and deliver to deadlines.
• Experience in credit risk, analytics and unsecured lending environments.
• Tertiary qualifications in a numerate discipline such as economics, statistics, engineering or similar.

A diverse and inclusive workplace works better for everyone

We know that our people make us who we are. That's why we have built a culture of equity and respect – where everyone feels valued and appreciated for being their authentic selves. In partnership with our multiple Employee Resource Groups (ERGs) we continue to foster an inclusive environment, where all NAB colleagues’ unique backgrounds and identities are understood, respected and celebrated. We are committed to providing an environment where you can work your way.

For details on the recruitment process, and accessibility, please visit https://www.nab.com.au/about-us/careers/apply-for-job. To discuss adjustment requirements, please contact the NAB Careers team, via nab.careers@nab.com.au (please reference job number) or visit our Careers page through the link above for other contact options.

Join NAB

If you think this role is the right fit for you, we would love to hear from you. Please note candidate screening and interviews may be conducted prior to the closing date of the job advert. Unsolicited CVs from agencies will not be accepted.

• Monitor and analyse performance across Personal Loans and NAB Car Loan portfolios to identify trends, risks and opportunities.
• Deliver reporting and insights to support credit decisioning and portfolio optimisation.
• Improve credit strategies through enhancements to scorecard cut‑offs, limit allocation, policy rules and use of external data sources.
• Apply champion/challenger approaches to test and refine decision settings.
• Deliver post‑implementation reviews (PIRs) and performance tracking to provide clear insights to stakeholders.
• Support delivery of key Unsecured CPM initiatives and projects that optimise risk‑adjusted returns and customer outcomes.
• Collaborate with stakeholders across Unsecured Business, Risk, Operations, Marketing and other credit teams.
• Proactively manage risk by adhering to policies and controls, supporting responsible lending obligations and ensuring strong governance.

• Strong analytical and problem‑solving capability with the ability to translate data into actionable insights.
• Experience using analytical tools such as SAS, SQL, R or Python.
• Commercial acumen with an understanding of credit risk and portfolio performance drivers.
• Strong stakeholder‑management skills and ability to work across cross‑functional teams.
• Results‑focused mindset with the ability to manage competing priorities and deliver to deadlines.
• Experience in credit risk, analytics and unsecured lending environments.

• Tertiary qualifications in a numerate discipline such as economics, statistics, engineering or similar.