Credit Risk Manager

The role

You will make credit decisions on escalated originations in the Small Business Division with Delegated Lending Authority up to $500K. You will also shape credit strategies, digital processes, and continuous improvement initiatives.

What you will do

• Assess and decide escalated credit referrals up to $500K DLA
• Deliver timely decisions meeting agreed service standards
• Define and document credit standards for complex and marginal cases
• Evolve credit policy and scorecard rules from exception decisions
• Report on referral rates, turnaround times, and portfolio insights
• Guide the transition of decisioning processes into SBD
• Represent credit across cross-functional teams
• Contribute to process design for digital journeys and manual control enhancements

Required qualifications

• 5+ years experience in credit risk, assessment, or lending (including DLA)
• Proven ability to assess complex applications and exercise solid credit judgment
• Strong data interpretation and Excel skills
• Familiarity with credit risk frameworks, scorecard decisioning, and Probability of Default (PD) metrics
• Excellent communication and stakeholder management skills

Nice to have

• Experience in small business or commercial lending
• Relevant qualification in finance, economics, or similar

Benefits

• Hybrid working
• Up to 26 weeks paid parental leave
• Strategy Week twice a year
• Fortnightly all-company business updates
• Flat structure
• Day off on your birthday
• End of trip facilities

About the company

Shift provides business finance to small, established and corporate sized businesses in Australia. Founded in 2014, Shift has funded more than 30,000 Australian businesses.