Senior Manager, Credit Operations

At Prospa, we exist to unleash the potential of small business. We are building the future of small business and simplifying cashflow by building a leading platform that helps customers make payments, fund growth and reduce admin. Join us

The role

We are looking for an experienced Senior Manager of Credit Operations to oversee and optimise the day-to-day operations of our Credit Operations team. You will be responsible for managing the execution of credit decisions within agreed remits, procedures, and workflows to ensure efficient and compliant credit operations. You will lead a team of credit professionals, drive operational improvements, and work closely with cross-functional teams to enhance the overall credit process. The right candidate will bring expertise in credit operations, a strong understanding of risk management and excellent leadership skills to coach and develop a high performing team.

What you'll be doing

• Setting lofty goals and stretch targets for the team to support the broader business goals, ensuring any efficiencies are being realised. This includes setting appropriate SLA and KPI targets and setting the team up for success in achieving these goals.
• Drive accountability by leading, motivating, mentoring, and developing a team of credit experts. Provide ongoing training and feedback to drive high performance.
• Champion best practice; continuously assess, streamline, and improve credit operational processes to enhance efficiency, reduce risk, and improve the customer experience.
• Partner with the Credit Risk and Sales teams to align operational processes with broader business goals, ensuring that credit decisions support customer and business needs while mitigating risk.
• Is the holder of a DLA (Delegated Lending Authority) and is the key point of escalation for decision making requiring commercial judgement or discretion. This includes workshopping escalated loan applications to mitigate risk and find customer solutions.
• Help define and operate within the Risk Appetite Statement, identify and mitigate new risks, and oversee timely resolution of credit disputes to protect both the company and customers.

What you'll need to succeed

• 7-10 years experience in a Credit Manager or Operations Management position in financial services.
• Strong credit risk acumen and commercial judgement. Being able to balance risk and reward in decision making.
• Business Lending experience is required, with experience across either unsecured or secured property lending favourable.
• Proven experience in leading Operational teams and a track record of improving processes and leveraging technology to drive efficiency and better customer outcomes.
• Ability to inspire, lead, and develop a high-performing team. Strong coaching, mentoring and performance management skills.
• Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel) and interpreting full financial reports.
• Have strong communication skills with internal and external key stakeholders, including the ability to build relationships and influence where necessary.

Don't let a confidence gap get in the way of submitting your application.What we offer:

As a busy grow getter, our benefits are here to help you be unstoppable in your mission. Whether it's a lofty career goal, investing in your family, saving the planet or simply feeling fulfilled:

• Growth: There's something for everyone including learning days, a learning allowance, leadership programs, CliftonStrengths workshops, digital learning, and biannual companywide learning weeks.
• Wellbeing: Think fitness initiatives, seasonal programs (including flu shots, massages, skin checks, wellness classes), additional "Me Days" and access to holistic EAP coaching.
• Lifestyle: Find your fit with flexible working options, top notch office facilities and diverse remote/ travel work options. You can also purchase additional leave and take up to 18 weeks paid parental leave.
• Impact: Join a business that cares and is recertified as carbon neutral. And you can tap into volunteer days, our partnership with Kiva and join a range of employee resource groups.

Why Prospa?

We're proud to be a certified Great Place to Work and recognised as a Best Workplace for Women, Best Workplace in Technology, and Best Workplace in Australia. We embrace diversity in people and ideas, fostering a collaborative, inclusive, and respectful environment where we celebrate who you naturally are.

Don't just take our word for it, check out Prospa's culture code to see it for yourself.

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