Leads Consumer Credit Team
1 week ago
**Job Summary:**
The Team Leader - Consumer Credit is a key role within our organization, responsible for leading and motivating a team of Credit Underwriters to ensure the efficient and accurate assessment of loan applications within the automotive and personal loan sector.
This position necessitates a strong understanding of Australian credit regulations, including the NCCP Act, Responsible Lending guidelines, Privacy Act, and ASIC regulations. The successful candidate will possess exceptional leadership skills and a commitment to delivering high-quality service.
Key Responsibilities:
- Lead, mentor, and motivate a team of Credit Underwriters to achieve individual and team targets.
- Conduct regular performance reviews, provide constructive feedback, and identify training and development needs.
- Manage team workloads, allocate tasks, and ensure efficient workflow to meet set service levels.
- Foster a positive and collaborative team environment.
- Resolve team conflicts and address employee concerns promptly.
- Oversee the underwriting process for automotive and personal loan applications, ensuring adherence to credit policies and procedures.
- Review complex loan applications and make informed credit decisions.
- Provide ongoing technical feedback and training to the team members / direct reports.
- Conduct regular quality audits of underwriting decisions to ensure accuracy and consistency.
- Implement and maintain robust quality control measures.
- Identify and report any compliance breaches or potential risks.
- Identify opportunities to improve underwriting processes and efficiency.
- Develop and implement process improvements to enhance team performance.
- Build and maintain strong relationships with internal and external stakeholders, including senior credit managers, sales teams, brokers, and customers.
- Address customer inquiries and resolve escalated issues in a timely and professional manner.
Required Skills and Qualifications:
- A minimum of seven years of experience in a Credit Analyst role, specialising in consumer and commercial automotive loans and unsecured personal loans.
- A minimum of four years experience holding a delegated lending authority of either $65,000 for unsecured personal loans or $125,000 for automotive loans.
Benefits:
- Flexible working arrangements to accommodate diverse needs.
- Opportunities for professional growth and development through training and education programs.
- A dynamic and supportive work environment that fosters collaboration and innovation.
Other Opportunities:
- Plenti values diversity and inclusion, and we welcome applicants from diverse backgrounds.
- We offer a comprehensive range of benefits to support employees' well-being and career advancement.
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