At the forefront of business finance, we strive to unlock the full potential of entrepreneurs. Our mission is to create a pioneering platform that streamlines cash flow and empowers businesses to grow.
The Role
We seek an experienced Credit Operations Manager to oversee the day-to-day activities of our Credit Operations team. The successful candidate will be responsible for managing the execution of credit decisions within agreed parameters, procedures, and workflows to ensure efficient and compliant credit operations.
You will lead a team of credit professionals, drive operational improvements, and collaborate with cross-functional teams to enhance the overall credit process. A strong background in credit operations, risk management, and leadership skills are essential to coach and develop a high-performing team.
Key Responsibilities
* Establish clear goals and objectives for the team to support broader business objectives, ensuring any efficiencies are realised. This includes setting appropriate SLAs and KPI targets and setting the team up for success in achieving these goals.
* Drive accountability by leading, motivating, mentoring, and developing a team of credit experts. Provide ongoing training and feedback to drive high performance.
* Champion best practices; continuously assess, streamline, and improve credit operational processes to enhance efficiency, reduce risk, and improve the customer experience.
* Partner with the Credit Risk and Sales teams to align operational processes with broader business goals, ensuring that credit decisions support business needs while mitigating risk.
* Hold a delegated lending authority and be the key point of escalation for decision making requiring commercial judgement or discretion. This includes workshopping escalated loan applications to mitigate risk and find solutions.
* Help define and operate within the risk appetite statement, identify and mitigate new risks, and oversee timely resolution of credit disputes to protect both the company and customers.
Requirements
* A minimum of 7-10 years of experience in a Credit Manager or Operations Management position in financial services.
* Strong credit risk acumen and commercial judgement. Ability to balance risk and reward in decision making.
* Business lending experience is required, with experience across either unsecured or secured property lending favourable.
* Proven experience in leading operational teams and a track record of improving processes and leveraging technology to drive efficiency and better customer outcomes.
* Ability to inspire, lead, and develop a high-performing team. Strong coaching, mentoring, and performance management skills.
* Excellent analytical skills, with the ability to create and process financial spreadsheets (e.g. in Excel) and interpreting full financial reports.
* Strong communication skills with internal and external key stakeholders, including the ability to build relationships and influence where necessary.
Benefits
Our comprehensive benefits package is designed to support your career growth, wellbeing, and lifestyle. Enjoy opportunities for professional development, flexible working arrangements, and access to a range of employee benefits and programs.
* Professional Development: We invest in your future through learning days, a learning allowance, leadership programs, and digital learning resources.
* Wellbeing: Take care of your physical and mental health with access to fitness initiatives, EAP coaching, and seasonal wellbeing programs.
* Lifestyle: Enjoy flexible working options, top-notch office facilities, and diverse remote work arrangements. You can also purchase additional leave and take up to 18 weeks paid parental leave.
* Impact: Join a socially responsible business that prioritises sustainability and corporate social responsibility. Get involved in volunteer days, our partnership with Kiva, and join a range of employee resource groups.
About Us
We're proud to be a certified Great Place to Work and recognised as a Best Workplace for Women, Best Workplace in Technology, and Best Workplace in Australia. We celebrate diversity and inclusivity, fostering a collaborative environment where everyone feels valued and respected.