ABOUT FINTORQ
Fintorq is a fast-growing Australian fintech reshaping how asset finance is delivered across Australia. We partner with OEMs, dealer groups, and lenders to deliver a digital-first platform that makes finance seamless for both customers and dealer partners. We are backed by NASDAQ listed Cheche Group in Beijing China who are the largest Auto Insurance Aggregator in China settling over 18 million transactions annually.
Position Title: Online Sales Representative
Reports To: Head of Sales
Location: Sydney / Hybrid
Employment Type: Full-Time
BUSINESS MANAGER
We are seeking a results-driven, commercially sharp, and customer-obsessed Business Manager to join our high-performing finance team. This role is the engine of our business, responsible for guiding customers through a premium financing journey—from initial enquiry to successful settlement.
As a trusted advisor, you will manage finance and insurance solutions with precision, transparency, and confidence. This is the perfect opportunity for an experienced finance professional who loves the thrill of getting a deal approved and wants to focus on writing and settling high-quality loans without the burden of cold prospecting.
KEY RESPONSIBILITIES
As a Business Manager, you will be the primary point of contact for our customers, championing their application from start to finish. Your duties will include:
1. Customer Engagement & Needs Analysis
· Manage a high-volume pipeline of inbound, pre-qualified customer leads, establishing rapid rapport and trust.
· Conduct thorough and responsible lending interviews to assess financial situations and borrowing capacity in line with NCCP guidelines.
· Structure tailored Finance & Insurance (F&I) solutions that meet unique customer objectives while protecting the customer's best interests.
2. Application Preparation & F&I Management
· Collect and verify all necessary customer documentation (payslips, bank statements, identification, etc.).
· Accurately package detailed finance applications for submission to the most suitable lender from our extensive panel.
· Quote and sell secondary products, including comprehensive insurance, extended warranties, and loan protection, to provide a complete ownership experience.
· Structure applications effectively to maximise the chance of a first-time approval.
3. Lender & Stakeholder Management
· Act as the primary liaison between the customer and the lender, advocating on behalf of your customer to negotiate the best possible terms and conditions.
· Maintain clear, consistent, and proactive communication with the customer, providing regular updates on the status of their application.
4. Closing, PPSR & Settlement
· Clearly explain finance approval details, interest rates, and loan terms with total transparency.
· Prepare and manage the signing of all loan and finance documentation with meticulous attention to detail.
· Perform necessary PPSR (Personal Property Securities Register) searches and registrations.
· Work with the operations team to facilitate a smooth settlement process, ensuring funds are available and receipted in a timely manner.
5. Commercial Performance & Compliance
· Consistently achieve agreed monthly settlement targets and KPIs.
· Maintain accurate and up-to-date records of all customer interactions and application details in the CRM.
· Manage the finance log and produce performance reporting to support strong commercial outcomes.
· Ensure all activities are conducted in strict adherence to NCCP, responsible lending obligations, and Fintorq's internal compliance policies.
WHAT WE ARE LOOKING FOR
Experience & Knowledge
· Minimum 2–3 years of experience in a loan writing role, such as an Automotive Business Manager, Finance Broker, or Asset Finance Loan Writer.
· A deep understanding of consumer credit principles, loan structuring, and lender credit policies.
· Strong working knowledge of the NCCP Act and responsible lending obligations.
· Familiarity with using lender application portals and modern CRM platforms.
Skills & Attributes
· Sales & Negotiation: Strong sales closing skills with a resilient and persistent approach to overcoming obstacles.
· Attention to Detail: Meticulous accuracy in data entry and application preparation to ensure "right first time" submissions.
· Communication: Exceptional interpersonal skills; able to operate comfortably in a premium, high-expectation environment.
· Efficiency: The ability to work under pressure and manage a high volume of applications without compromising quality.
· Integrity: Unquestionable ethical standards and a commitment to compliant practices.
WHY JOIN US?
Focus on What You Do Best: We provide you with high-quality, pre-qualified leads. No cold prospecting—your time is spent engaging customers and writing deals.