Relationship Manager

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 Relationship Manager ESME (Established Small Medium Enterprise) at Shift, you’ll be the trusted advisor for a portfolio of established SME customers. You’ll build strong, strategic relationships, understand their businesses, industries, and growth plans, and deliver lending solutions that make a real difference. From origination to credit structuring, approvals, onboarding, and ongoing portfolio management – you’ll own the customer journey while keeping credit quality strong and aligned with our risk appetite.

What you’ll do:

• Spot opportunities within your portfolio to meet customer needs, grow lending limits, expand product usage, and strengthen relationships

• Partner with customers and brokers to discuss lending needs, structures, and solutions tailored to their business goals

• Develop a deep understanding of each customer’s industry, market dynamics, and future funding needs

• Act as a trusted advisor, building long-term partnerships based on credibility and insight

• Structure deals and negotiate security positions to unlock higher limits and greater exposure

• Work closely with credit teams to manage and mitigate risk for each application

• Handle objections professionally, providing clear explanations and alternative solutions when proposed limits differ

• Prepare, present, and progress proposals in line with Shift’s credit strategy and risk appetite

• Stay on top of market trends and emerging opportunities to position Shift competitively

• Monitor portfolio performance to maintain credit quality and compliance

• Collaborate with BDMs, Customer Solutions, Service teams, and other stakeholders to deliver seamless customer outcomes

What you’ll bring:

• Experience as a business banker or relationship manager within a bank or non-bank lender, with end-to-end customer accountability, including credit writing

• Proven track record in building strategic customer relationships based on trust, industry insight, and tailored solutions

• Exposure to equipment finance and working capital solutions, account maintenance, and operational processes

• Strong customer service and relationship-building skills

• Proactive sales and opportunity identification mindset

• Ability to conduct credit assessments using financial and bank statements, and understand corporate group structures and fund flows

• Negotiation skills to secure outcomes that benefit both customer and lender

• Excellent verbal, written, and presentation communication skills

• Ability to influence decisions and navigate objections

• Deep product and market knowledge

• Proficiency with CRM and loan origination systems

• Tertiary qualification in business, finance, or related field (highly regarded)

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.

#LI-hybrid