Who is Shift?
We're business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products.
We believe Australian businesses are the driving force behind our economy and are core to our communities. That's why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do. We've helped solve the credit and payment pain points for more than 25,000 businesses, providing over $3.5 billion in aggregate funding.
Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You'll be joining a diverse team of over 250 people who are always looking to deliver better outcomes for Australian businesses.
About the role:
As a Credit Manager, you will lead the credit function, providing guidance and oversight on credit assessments, coaching your team, and ensuring adherence to Shift's policies and standards. You will manage credit risk, support Relationship Managers and Sales teams, and drive continuous improvement across credit processes.
What you'll do:
* Lead and support the credit team to assess commercial credit based on financial statements, bank statements, and non-traditional data
* Provide coaching and support to Relationship Managers and Sales teams to structure credit solutions for business customers
* Conduct phone interviews with applicants and brokers to discuss loan applications, including negotiation of key criteria
* Build meaningful relationships with peers, internal stakeholders, and other teams to support business performance
* Ensure accurate recording of key risk factors and mitigation strategies to support decision-making
* Prepare sound credit assessments for recommendation to higher delegation holders where required
* Ensure adherence to Shift's Credit Underwriting standards, policies, and compliance requirements
* Maintain data integrity in all core systems and ensure all compliance training is up to date
* Identify potential process and service enhancements to improve team outputs
What you'll bring:
* Experience assessing commercial credit based on financial statements, bank statements, and non-traditional data
* Experience in risk or analytics roles is advantageous but not essential
* Experience with finance products embedded in Point-of-Sale environments is advantageous but not essential
* Attention to detail, strong investigative skills, and ability to make logical and considered decisions
* Excellent communication skills with internal and external stakeholders
* Tertiary qualifications preferred
* Previous Delegated Lending Authority (DLA) for commercial/business lending preferred
* Business acumen and strong understanding of the SME market
Key benefits:
* Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.
* Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy.
* Flexible working environment – we're headquartered in North Sydney with state-based workplaces and offer a flexible work policy.
* Family support – industry leading 26 weeks paid parental leave.
* Varied workspaces – our office enables areas for collaboration, brainstorming and socialising as well as focus zones.
* Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities.