Hardship and Collections 2ic

2 weeks ago

Sydney, Australia Thinktank Full time

**Thinktank **is one of Australia’s largest and fastest growing Residential and Commercial Property Non-bank Lender with a multi-office presence across Australia.

As an innovative, knowledgeable and established financial services provider with a reputation for professionalism and integrity, Thinktank focuses on building quality internal and external stakeholder relationships in support of our wide range of borrowers and investors.

Thinktank is one Australia’s largest and fastest growing Residential and Commercial Property Non-bank Lenders with a multi-office presence across Australia.

With a reputation for providing highly professional service, Thinktank focuses on building trust and providing specialised commercial property and residential financial solutions to their valued clients.

**Job Purpose**:
As the Hardships and Collections Manager, you will support the Head of Collections in managing arrears files from dishonour through to late-stage arrears and enforcement. You will also assess, recommend, approve, and manage hardship matters.

**Key Accountabilities**:
**Collections Management**:

- Daily dishonour management.
- Proactively manage arrears, defaults, and losses.
- Assist with mid and late-stage pre and post enforcement proceedings.
- Manage relationships with internal & external stakeholders.
- Prepare detailed daily arrears and comprehensive hardship status reports.
- Conduct hindsight reviews of mortgagee in possession loans.
- Meet statutory requirements for NCCP lending.
- Monitor and report on loan loss provisioning.
- Manage the collections team in the absence of the Head of Credit - Collections.

**Hardship Management**:

- Provide training, support, and ongoing development for team members.

**Customer Focus**:

- Deal empathetically with borrowers during financial stress.
- Work with stakeholders to achieve satisfactory, timely, and risk-mitigated resolutions.

**Compliance**:

- Support the management of internal complaints, AFCA complaints, and regulatory body complaints.
- Assist in managing the Company’s lending operations and compliance.
- Support periodic audit processes.

**About You**:

- Minimum 4-5 years of experience in residential and/or commercial property finance, hardships, and collections.
- Proven experience in late-stage enforcement of arrears.
- Experience with AML/CTF programs.
- Thorough understanding of the Privacy Act and National Consumer Credit Code.
- Well-developed relationship building and communication skills.
- Strong analytical skills and high degree of numeracy.
- Strong attention to detail.
- Proven ability to prioritize workloads and multi-task.
- Ability to work calmly and professionally.
- High standard of ethics and integrity.
- Ability to work well within a small team environment.

**Why Thinktank?**:
We are a little bit different at Thinktank. No bureaucratic processes, politics or egos. Fairness and transparency are our most important values, it’s how we do business and how we look after our team. You will be valued and trusted. You will work with welcoming and knowledgeable colleagues who will help you succeed.

We work a hybrid model of working from home and the office which encourages and supports great work life balance. We offer meaningful employee benefits such as Flex leave in addition to annual leave, a work well allowance and more.

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