Senior Credit Approver (MACC & Car Loans)
Senior Credit Approver role at Auto Swift.
About Auto Swift
Auto Swift is an Australian fintech lender focused on auto‐related consumer credit, including Medium Amount Consumer Credit (MACC) and car loans. We are part of a global automotive finance group with deep experience in non‐bank auto lending across multiple markets. While AutoSwift operates independently in Australia, we benefit from the broader group's experience, technology capability, and long‐term commitment to the auto finance sector. We are an early‐stage team in Australia, building a compliant, scalable lending platform from the ground up.
About the Role
We are seeking an experienced Senior Credit Approver to play a hands‐on role in assessing and approving consumer credit applications.
This is a decision‐making role, not a policy‐only or back‐office position. You will approve loans day‐to‐day while helping shape credit processes, controls, and operating standards as the business grows. Over time, the role will expand to include mentoring and oversight of junior analysts.
What You'll Be Working On
* Assessing, recommending, and approving consumer credit applications in line with credit policy and delegated authority
* Applying sound judgement across affordability, income, expenses, and risk assessment
* Operating in a system‐driven environment (Biz Core or similar LOS/LMS) to manage workflow, capture decisions, and maintain audit trails
* Supporting calibration of decision rules, checklists, and automation logic as volumes increase
* Identifying process gaps, inefficiencies, and proposing practical improvements
* Participating in file audits, compliance reviews and control checks
* Supporting onboarding and training of junior credit analysts as the team grows
* Working closely with marketing, product, operations, finance, and collections teams
* Ensuring compliance with Credit Policy, NCCP, AML/CTF, Privacy Act, and other relevant regulations
* Maintaining strong turnaround times while keeping file quality and documentation standards high
What We're Looking For
* Proven experience as a credit approver or senior credit assessor in non‐bank lending, secured consumer credit and auto finance.
* Comfortable assessing near‐prime and sub‐prime customers
* Strong understanding of Australian consumer credit and responsible lending requirements
* Sound credit judgement with a consistent, defensible decision‐making approach
* Strong time management and organisational skills
* Comfortable working in an early‐stage environment where processes are still evolving
* Experience with LOS/LMS platforms (Biz Core experience a plus, but not required)
What's in It for You
* A supportive, approachable team culture with direct access to decision‐makers
* The opportunity to help build a regulated lending business from the ground up
* A clear pathway to a leadership role, including building and managing a team of credit analysts
* Exposure to frontier credit platforms and automation tools
* Competitive remuneration and benefits, including flexible WFH arrangements
* Opportunities to cross‐train and gain exposure to other areas of the business
* Work alongside a driven, globally experienced team focused on execution and results — not bureaucracy
Job Details
* Seniority level: Mid‐Senior level
* Employment type: Full‐time
* Job function: Finance and Sales
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