Credit Risk Manager

Who is Shift?

Shift provides business finance to small, established and corporate sized businesses in Australia, including Business Overdraft, Equipment Line, Asset Finance, Term Loan and Trade Account. Founded in 2014, Shift has funded more than 30,000 Australian businesses.

At Shift, 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 300 people who are always looking to deliver better outcomes for Australian businesses.

About the Role:

As Credit Risk Manager at Shift, you’ll make credit decisions on escalated originations in our Small Business Division, with Delegated Lending Authority (DLA) up to $500K. You’ll handle edge cases that require sound judgment, drive at-the-margin credit standards and support SBD’s growth by centralising credit decisioning. You’ll also play a key role in shaping credit strategies, digital processes, and continuous improvement initiatives as we advance our automated capabilities.

What you’ll do:

• Assess and decide escalated credit referrals (up to $500K DLA), focusing on judgment-based cases outside standard policy

• 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 and represent credit across cross-functional teams

• Contribute to process design for digital journeys and manual control enhancements

What you’ll bring:

• 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

• Experience in small business or commercial lending preferred

• Excellent communication and stakeholder management skills

• Relevant qualification in finance, economics, or similar (preferred)

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Key benefits:

• Hybrid working: we’re headquartered in North Sydney with state-based workplaces and offer a hybrid work policy. Our offices have spaces for collaboration, socialising and focused work.

• Parental leave: up to 26 weeks paid.

• Strategy Week: twice a year the whole team comes together to hear the business strategy and product and technology roadmap first-hand, with fortnightly all-company business updates in between.

• Flat structure: everyone can learn from each other and senior leaders across the business.

• Wellbeing: benefits supporting your physical, psychological and financial wellbeing, from a day off on your birthday to end of trip facilities.
  

Additional information:
If you don’t meet all the qualifications or skills but think you’d be a great fit, please apply anyway.

Learn more about working at Shift at shift.com.au/careers.

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