The Senior Manager, Diversified Credit (Retail SME) is responsible for assessing and managing credit risk across ANZ’s small and medium-sized business lending portfolio. The role typically requires strong experience in credit analysis, risk assessment, lending policy, portfolio management and financial statement interpretation, together with sound knowledge of the Australian SME market. The successful candidate is expected to make well-judged lending recommendations, oversee complex or higher-risk exposures, support consistent credit standards and work closely with relationship managers, risk teams and senior stakeholders. Strong communication, commercial judgement, leadership skills and the ability to interpret data and regulatory requirements are important. Experience in banking, business lending or credit risk, along with relevant tertiary qualifications, is generally expected.
ANZ Bank is one of Australia’s major banking groups, providing retail, commercial, institutional and wealth services to customers across Australia, New Zealand and selected international markets. Founded in 1835, the bank supports individuals, small businesses, large corporations and government-related organisations through lending, deposits, payments, financial markets and advisory services. ANZ employs thousands of people and continues to invest in digital banking, responsible lending, risk management and technology. Its business strategy focuses on helping customers grow, improving financial wellbeing and maintaining a resilient, well-managed banking organisation. Melbourne is ANZ’s headquarters and a major centre for its corporate, risk, technology and banking operations. Employees generally work in collaborative, regulated environments where sound judgement, customer focus, inclusion and professional integrity are highly valued.
Australia offers strong opportunities in banking, finance, technology, healthcare, construction, education, mining and professional services. Major employment centres include Melbourne, Sydney, Brisbane, Perth and Adelaide, with financial-services roles concentrated in Melbourne and Sydney. Australian workplace culture is generally practical, direct and collaborative, with emphasis on accountability, inclusion and work-life balance. Lifestyle varies from city living and cultural events to beaches, national parks and outdoor activities. Living costs, especially housing, can be high in the largest cities. Skilled professionals may explore employer-sponsored visas, the Skilled Independent visa, state-nominated pathways or temporary skilled options, depending on occupation, experience and eligibility. Relocation usually involves arranging a visa, tax file number, bank account, healthcare cover and suitable accommodation. New arrivals should check current requirements with the Australian Department of Home Affairs.
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