Credit Acquisition

1 month ago

Perth, Australia Capricorn Full time

Who are we?

Capricorn is a member-based financial services organisation which exists to improve the lives of over 25,000 Members across Australia and New Zealand by supporting them in building stronger automotive businesses. We provide products and services including trade credit, risk protection, equipment finance, trade events, travel services, fuel cards and more. Last financial year Member purchases exceeded $2.93 billion and Member returns exceeded $72.5 million.

A great place to work

When you join Capricorn, you become a part of something bigger than a typical company, because as a co-operative we exist to improve the lives of our Members by supporting them in building stronger businesses – not the other way around.

We are purpose-led and are committed to empowering our community to thrive. Our community includes our employees, and we know what is important to them, because we asked And here’s our commitments to you:

  • Provide a diverse and inclusive workplace – because we know how important it is for everyone to be treated fairly and with respect.
  • Give you flexibility – it’s important to recognise we are all unique and need to create work life balance.
  • Offer paid parental leave – that supports both parent’s leave and their transition back to work.
  • Create a fun environment – our social calendar is full up with a range of different virtual and face-to-face events to keep us connected.
  • Work perks – that our employees actually use, such as a fantastic reward and recognition program, wellness program, additional leave purchase and so much more

The role and what we are looking for

The Credit Acquisition & Policy Manager is responsible for the design and implementation of credit acquisition strategy and policy framework across Credit lifecycle. The role is responsible for building and enabling acquisition strategy for new and existing markets. Develop, maintain and continuously improve credit policies that align with the company’s risk appetite and strategic objectives while ensuring compliance with regulatory requirements. Ensure that the Credit procedures support the intent of the risk frameworks to drive sustainable growth, strengthen Member relationships and protect Capricorns margins and profits, while minimizing exposure to bad debt and maintaining an acceptable level of risk.

Some of your key responsibilities will include

  • Develop and update credit policies and procedures to ensure they reflect current industry best practices, regulatory requirements, and the organization's risk tolerance.
  • Assess the credit risk associated with various lending activities and products, including loans, and other financial instruments. Develop strategies to mitigate risks while optimizing profitability.
  • Analyze credit portfolio performance, trends, and key metrics to identify areas for improvement and inform strategic decision-making.
  • Collaborate with cross-functional teams, including credit underwriting, risk management, and compliance, to implement credit policies effectively. Provide guidance and training to ensure consistent adherence to policies across the organization.
  • Prepare regular reports for senior management and stakeholders on key credit risk metrics, policy compliance, and emerging trends.
  • Build strong relationships with internal stakeholders, such as senior management, business units, and risk management teams, to gather input, gain buy-in, and ensure alignment with credit policy objectives.
  • Continuously review and refine credit policies and processes to enhance efficiency, effectiveness, and alignment with business objectives.

What will you bring?

You will have exceptional people and relationship management skills, underpinned by your ability to build trust and influence across a diverse range of stakeholders. You will be able to demonstrate:

  • Minimum of 5 years in financial services industry.
  • Demonstrate flexibility and ability to effectively deliver and manage change.
  • Proven experience in effective credit risk management and lending policies, regulations, and procedures.
  • Experience in various analytics tools such as SAS.
  • Comprehensive understanding of the end-to-end lending process and experience in reading and interpreting financial reports and related searches
  • Demonstrated knowledge of financial analysis, collateral valuation, appraisal procedures, and documentation
  • Well developed negotiations skills and ability to analyse data.
  • A keen desire and ability to review and implement process improvements and to establish a culture of continuous improvement.
  • Strong communication skills including the ability to establish and manage positive relationships with staff, colleagues, key stakeholders, and Members.
  • A relevant tertiary level qualification in a computer science, actuarial, commerce, statistics, mathematics, data science or a relative quantitative field.

The next steps

If you think you are the right person for this role and you believe in a Member first culture, then please apply now. Applications will be reviewed as they arrive, so it is better to apply sooner rather than later.

For further information, support with your application and detail on Capricorn, please visit our website at www.capricorn.coop/careers.

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