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Head of Diversified Credit

Australia ANZ Bank Approximately AUD $250,000–$400,000 base salary per year, plus superannuation and performance-based incentives*
Job Description

The Head of Diversified Credit leads credit risk management for ANZ’s diversified lending portfolio, overseeing risk appetite, portfolio quality, underwriting standards, approval governance and strategic risk decisions. The role typically requires extensive experience in institutional or commercial credit, strong knowledge of financial analysis, credit risk frameworks and regulatory expectations, and proven leadership of senior teams. The successful candidate is expected to provide sound judgment on complex transactions, monitor emerging risks, engage effectively with executives and business leaders, and balance disciplined risk management with customer and portfolio growth. Strong communication, stakeholder management, commercial awareness and the ability to influence decisions across a large banking organisation are essential.

Company Info

ANZ Group Holdings Limited is one of Australia and New Zealand’s major banking groups, serving retail, business, institutional and private banking customers. Headquartered in Melbourne, ANZ provides home and personal lending, transaction banking, commercial finance, markets services, wealth solutions and institutional banking across Australia, New Zealand and selected international markets. The bank employs tens of thousands of people and supports customers ranging from individuals and small businesses to large corporations, governments and financial institutions. ANZ places emphasis on responsible banking, customer outcomes, financial wellbeing, digital innovation and managing risk effectively. Its institutional business works with clients across industries and markets, while the broader group continues to invest in technology, data, regulatory capability and sustainable finance. Melbourne-based employees typically benefit from a professional, diverse workplace and access to flexible working arrangements, subject to role requirements.

Destination Guide

Australia offers strong opportunities in banking, finance, technology, healthcare, engineering, construction, education, professional services and skilled trades. Major employment centres include Melbourne, Sydney, Brisbane, Perth and Adelaide, with opportunities varying by industry. Australian workplace culture is generally practical, relatively informal and focused on collaboration, accountability and work-life balance. Lifestyle benefits include beaches, national parks, sport, multicultural food and generally high living standards, although housing and transport costs can be substantial in major cities. Skilled professionals may explore employer-sponsored visas, the Skilled Independent visa, state-nominated pathways or other eligible migration options. Requirements depend on occupation, qualifications, English ability, age and experience, and should be checked with Australia’s Department of Home Affairs. Relocating usually involves arranging a visa, tax file number, banking, health insurance, accommodation and, where relevant, professional recognition. Australia is geographically large, so choosing a city near the employer is important.