Greater Melbourne Area
Experienced risk, credit decisioning, and originations professional with 20+ years across banking, financial services, and decision analytics. Currently supporting Policy Harmonisation for ANZ’s SME Retail and SME Wholesale portfolios, with a focus on credit policy simplification, risk governance, compliance uplift, and data‑driven decisioning. Extensive background in decision systems design and delivery, specialising in Experian PowerCurve™ (PCO, PCE, PCSM), credit bureau integration (Equifax, illion, Experian), originations platforms, API‑based system integration, and end‑to‑end SDLC execution. Delivered complex originations, bureau, and strategy solutions across Australia, New Zealand, and Asia. Strengths include analytical problem‑solving, stakeholder engagement, policy interpretation, system optimisation, SAS/SQL analysis, and translating technical complexity into business‑ready solutions. Known for a collaborative, hands‑on, and “can‑do” approach.
Policy Harmonisation Risk Manager responsible for uplifting credit policy consistency, governance, and execution across ANZ’s SME Retail and SME Wholesale portfolios. The role focuses on simplifying and aligning credit policies, designing effective controls, and ensuring strong compliance with regulatory and risk requirements. It combines policy interpretation, data‑driven analysis, and hands‑on delivery to support better customer outcomes and more robust credit decisioning. Key contributions include leading end‑to‑end harmonisation initiatives, drafting policy papers and executive‑level materials, embedding automated and manual controls, and overseeing system testing and implementation to ensure accurate policy execution. The role requires close collaboration with cross‑functional stakeholders, influencing outcomes, and driving best‑practice processes across the business.
Manager Retail Decision Systems within ANZ’s Retail & Commercial Risk division responsible for designing, delivering, and optimising decisioning and originations capabilities across Retail, Small Business Banking, and Middle Market. The role focused on enhancing the PowerCurve™ Originations (PCO) and Connectivity & Enrichment (PCE) platforms, enabling robust credit decisioning, streamlined bureau connectivity, and uplifted customer experiences. Key contributions included leading solution design, feasibility assessments, and end‑to‑end delivery across major initiatives, platform upgrades, and BAU enhancements. The role required deep expertise in decision systems, API‑based integration, credit bureau services, and strategy execution across secured, unsecured, and SME portfolios. It also involved extensive collaboration with cross‑functional teams, providing technical leadership, guiding peers, and ensuring high‑quality outcomes through rigorous testing, documentation, and production support. This position played a critical part in modernising ANZ’s decisioning ecosystem—supporting regulatory uplift, responsible lending, digital transformation, and strategic migrations across multiple portfolios.
Experienced Product Consultant specialising in Experian’s PowerCurve™ suite (PCE, PCO, PCSM), delivering end‑to‑end decisioning, originations, and credit bureau connectivity solutions across major banks in the Asia‑Pacific region. Strong track record in requirements gathering, solution design, impact assessment, SDLC documentation, and client consulting. Adept at translating complex decisioning and bureau integration needs into clear, scalable system solutions. Known for leading client workshops, providing product training, and mentoring regional teams to uplift capability. Delivered multiple high‑quality implementations across Malaysia, Singapore, Hong Kong, China, Vietnam, Indonesia, Australia, and New Zealand.
- Provide credit analytics and decision support services to the Asia Pacific customers. - Responsible for technical/ business delivery and application support for Connect+ and Loan Originations solution using Transact SM development tool.
As a BA to provide necessary support in defining and understanding the business requirements as well as business design for SME (Small Medium Enterprise) Transact application. This is a single platform which built with minimal country variations to process all Small Business applications e.g. BIL, BOD, BM, LAP and ETS under SME loan portfolio. It allows all these products bundled under a single application. This is a web-based solutions application that has built-in with "Workflow Engine" starts from the point of origination up to account setup. It also provides the in-country Strategy Manager (SM) solutions to help underwriters on credit decisioning, credit assessment, pricing grid, documents/ compliance checklist, auto bureau and etc. The SM can respond instantly to SME front-end system through automation or manual trigger. Besides that, this system has also built with the straight-through processing interfaces for customer inquiry, customer profiles creation, loan account opening and etc.
Provides 24x7 support (meets SLA) for International Billing System across Latin America (LATAM) countries such as Brazil, Mexico, Peru, Costa Rica, Venezuela and etc (48 countries in total).