Senior Credit Manager

18 hours ago

Melbourne, Victoria, Australia Moneytech Full time $120,000 - $180,000 per year

We're a fast-growing non-bank lender with a national presence committed to delivering innovative financial solutions including business loans, equipment finance and trade facilities to Australian small businesses. With a growing small business loan book and a reputation for agility, we're investing in smarter systems, streamlined processes, and AI-enabled decisioning to improve speed, accuracy, and customer experience.

The Role

As Senior Credit Manager – Small Business, you'll play a pivotal role in shaping our credit strategy, leading assessments, and driving continuous improvement across origination, approval, and settlement workflows. You'll work closely with BDMs, brokers, and internal stakeholders to ensure credit decisions are timely, consistent, and aligned with our appetite.

Key Responsibilities

  • Lead credit assessments for small business applications up to $500k, including new, increased, and variation requests.
  • Apply sound judgment and policy interpretation to ensure high-quality decisioning and risk mitigation.
  • Collaborate with BDMs and brokers to resolve queries, improve submission quality, and enhance turnaround times.
  • Champion automation and AI adoption across credit workflows—e.g., bank statement analysis, CRM integration, and document processing.
  • Contribute to policy simplification and process refinement to reduce duplication and manual effort.
  • Support training initiatives for internal teams and brokers on credit metrics, financial analysis, and submission standards.
  • Participate in monthly portfolio reviews and contribute to risk reporting.

What We're Looking For?

  • 7+ years' experience in commercial credit, ideally within small business lending.
  • Strong understanding of low doc lending, credit policy, financial statement analysis, and risk frameworks.
  • Proven ability to manage stakeholder relationships across sales, operations, and external partners.
  • Passion for innovation and process improvement.
  • Experience with AI tools (e.g., Copilot, OCR, CRM automation) highly regarded
  • Excellent communication skills and a collaborative mindset.

Why Join Us?

  • Be part of a high-performing team driving real change in the non-bank sector.
  • Help shape the future of credit through AI, automation, and smarter workflows.
  • Work with experienced leaders who value innovation, transparency, and continuous improvement.

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