Credit Manager, Consumer

**Who is Plenti?**

Plenti is a fintech lender, providing faster, fairer loans by leveraging its smart technology. Plenti is a dynamic and innovative business that is growing strongly. By continuing to deliver better customer experiences, Plenti is taking market share from incumbent players in the personal lending, renewable energy, and automotive finance markets.

We are a fast moving and ambitious business that seeks to recruit smart and capable people, who can take ownership of their role to help the business thrive. With over 200 people based in Australia, Plenti is small enough so everyone can make a difference in their role, but we have very big ambitions as a team, as we go about building Australia’s best lender.

Plenti is a founder led business that launched in 2014 and is now listed on the ASX, with annual revenue of over $200 million and a loan portfolio of over $2 billion.

**About the Role**

We are seeking a highly motivated and experienced Credit Manager to lead our team of credit underwriters in our Adelaide office. This newly created role is responsible for overseeing the assessment of consumer automotive loans and unsecured personal loans, ensuring consistent and accurate credit decisions while driving team performance and continuous improvement. You will lead an established team of credit underwriters, including two direct reports in Team Leader positions.

**What you'll be doing**
- **Team Leadership & Development**: Lead, manage, and mentor a team of credit underwriters, including two direct reports in Team Leader roles- **Performance & Reporting**: Monitor key performance indicators (KPIs) and identify opportunities for improvement in efficiency, quality, and turnaround times. Prepare and present reports on team performance and credit portfolio metrics.
- **Process Improvement**: Develop and implement strategies to optimise credit processes and enhance the customer experience. Identify and implement opportunities for business optimisation and delivery consistency within the team.
- **Coaching**: Conduct regular performance reviews and provide coaching and development opportunities for team members.
- **Stakeholder Management**: Collaborate with other departments, such as sales and operations, to ensure seamless loan processing.
- **Market Analysis**: Stay up-to-date with industry trends, regulatory changes, and competitor activities.
- **Risk Management**:Contribute to the development and implementation of credit risk management strategies.

**Skills and Experience**:

- A minimum of 5 years of people management experience within the finance industry, specifically in Consumer credit or lending.
- Strong understanding of consumer lending products and credit risk assessment principles.
- Excellent communication, interpersonal, and presentation skills.
- Demonstrated ability to identify and implement process improvements.
- Strong analytical and problem-solving skills.
- Knowledge of relevant Australian regulations and compliance requirements.

**What's life like at Plenti?**

Working at Plenti means joining a team that is high-performing, diverse, customer-focused and collaborative. It’s a place where everyone can “make it happen” and share in the results and success. If being in a dynamic industry as part of a market-leading fintech sounds like you, then join to help us reshape Australia’s financial eco-system for the good.

In return, you will enjoy a culture of innovation and entrepreneurship to take your career further. We offer flexible working and volunteer and study leave to develop your skills. We also have monthly social events, office snacks, company Townhalls and D&I initiatives and events to help you connect with your colleagues.

Plenti is committed to a diverse and inclusive workforce. We encourage people from different backgrounds to apply, including Aboriginal and Torres Strait Islander people and people with disabilities. When you apply, let us know any reasonable adjustments you may need during the interview process so we can accommodate you.