Credit Manager
Role Overview
As a Credit Manager, you will assess credit applications by analyzing financial and bank statements to determine creditworthiness, working closely with customers, brokers, and internal teams like Relationship Managers and Sales. This mid-level role involves conducting phone interviews, negotiating loan terms, and preparing credit assessments within delegated authority to support business lending decisions. Your work ensures tailored financial solutions and maintains compliance with underwriting standards, directly impacting customer acquisition and retention.
Perks & Benefits
This role is fully remote, offering flexibility in work location, though time zone alignment with Australia may be expected for collaboration. You'll have opportunities for career growth through coaching internal teams and identifying process improvements in a supportive environment. The culture emphasizes building meaningful relationships and continuous learning, with a focus on compliance and professional development.
Full Job Description
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.
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