Head of Credit

Overview

Who is Shift? 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.

We believe Australian businesses are the driving force behind our economy and are core to our communities. That's why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do. We've helped solve the credit and payment pain points for more than 25,000 businesses, providing over $3.5 billion in aggregate funding.

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.

About the Role: As Head of Credit, you will lead and manage our Credit team, ensuring timely and sound credit decisions that align with Shift's risk appetite. Your leadership will help elevate credit practices, enhance customer experience and contribute to Shift's growth. This is a high-impact, strategic role suited to someone with strong commercial lending experience, team leadership skills and a sharp analytical mindset.

You'll work closely with cross-functional teams - Sales, Product, Data, Risk and more, to guide deal structuring, improve credit decisioning and support portfolio management. Your role is essential to balancing risk and reward while supporting Shift's innovative financial products.

What you/'ll do:

- Lead, mentor, and develop a team of Credit Analysts focused on middle-market lending

- Oversee credit assessments and loan approvals, ensuring alignment with Shift's risk appetite

- Review complex deals and provide credit decisions within SLA timeframes

- Provide guidance and training to the Credit team and Sales/Relationship Managers

- Use data and customer insights to support structured, risk-aligned lending decisions

- Ensure compliance with internal policies and regulatory standards (including RG requirements)

- Collaborate with cross-functional stakeholders (Sales, Settlements, Risk, Product, Tech)

- Engage directly with brokers and customers to understand their needs and assess risk

- Support continuous improvement through credit policy enhancements and system/process changes

- Partner with Risk and Legal for complex or borderline decisions

- Provide reporting on credit trends, performance, and risk to internal stakeholders

What you/'ll bring:

- Previous credit delegation authority and experience making lending decisions

- Strong knowledge of the business lending market, especially SME and mid-market segments

- Proven leadership experience, including coaching and team development

- Experience assessing commercial credit via financials and/or bank statements

- Prior exposure to data-led credit analytics or working with embedded finance products is a plus

- Exceptional analytical skills and strong attention to detail

- A logical, risk-aware mindset with strong communication and stakeholder management skills

- Experience working in a fast-paced, cross-functional environment

Key benefits:

- Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.

- Be involved – come together with all of 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 state-based 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. From a day off on your birthday to excellent end of trip facilities.

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