Credit Manager
2 weeks ago
Company Description:
At Shift, we're business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products.
Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment.
You'll be joining a diverse team of over 250 people who are always looking to deliver better outcomes for Australian businesses.
Join our team as a Micro-Business Credit Manager and take charge of our dedicated credit function for micro-businesses.As the Credit Manager, your primary responsibility will be to ensure the smooth operations of the credit department, focusing on businesses with a typical annual turnover of
Drive growth while maintaining portfolio credit quality through strategic analysis and risk mitigation.
You will have the opportunity to work closely with cross-functional teams, leveraging data analytics and technology to improve credit decisioning.
Key Responsibilities:
- Manage a small team of underwriters owning the day to credit function for microbusinesses (typical annual turnover
- Ensuring the customer experience meets or exceeds market expectations by ensuring response times are within appropriately set SLAs and that any communication with customers or brokers is of the company's standard.
- Understand inputs and limitations of various models and risk indicators in order to make sound "at the margin" decisions or overrides.
- Work with line 2 portfolio manager to ensure that both front book and back book of customers perform within risk tolerances.
Qualifications:
- Experience managing a team in a customer facing, fastpaced environment.
- Experience assessing credit (either consumer or commercial) based on bank statements or other nontraditional data.
- Experience working with data in risk or analytics role advantageous but not essential.
- Experience with finance products embedded into a pointofsale environment is advantageous but not essential.
- Strong analytical skills
- Attention to detail underpinned by intuitive and investigative skills.
- Ability to make decisions in a logical and considered way
- Ability to communicate respectfully in a succinct and informative manner with external and internal stakeholders
Additional Information:
- Collaborative teams a flat structure means everyone can learn from colleagues and senior leaders around the business.
- Be involved come together with all your colleagues every 100 days to share the product and technology roadmap and business strategy.
- Flexible working environment we're headquartered in North Sydney with statebased workplaces and offer a flexible work policy.
- Family support industry leading 26 weeks paid parental leave.
- Varied workspaces our office enables areas for collaboration, brainstorming and socialising as well as focus zones.
- Range of benefits supporting your physical, psychological and financial wellbeing
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