Credit Risk Manager - Small Business Division

About the role

Shift funds small, established and corporate-sized businesses in Australia through products such as Business Overdraft, Equipment Line, Asset Finance, Term Loan and Trade Account. As Credit Risk Manager in the Small Business Division (SBD), you will handle escalated credit decisions with Delegated Lending Authority (DLA) up to $500K, focusing on at-the-margin cases that need judgment. The role supports consistent, accountable credit standards and consolidates credit decisioning under a single function.

Key responsibilities

• Decide escalated scorecard referrals outside standard rules, with judgment-based approvals, restructurings or declines in line with risk appetite and credit policy.
• Deliver escalated decisions within agreed service standards, targeting under one business day turnaround, and act as escalation point for complex or material cases.
• Set and document credit standards for at-the-margin cases, codify judgment into policy and scorecard rules, and refine the originations credit strategy.
• Contribute to continuous credit settings, hindsight reviews, and monthly reporting on service standards, escalation rates, turnaround times and decision outcomes.
• Lead the transition of credit decisioning from Customer Solutions into SBD, standardise escalation pathways and partner with the Customer Solutions Manager.
• Represent credit decisioning across Product, Technology and Operations, and give input into digital experience design and process governance.

Required profile

• 5+ years' experience in credit risk, credit assessment or lending roles, including holding a DLA.
• Experience in small business or commercial lending highly regarded.
• Relevant qualification in finance, economics, risk management or a related discipline, preferred but not essential.

Required skills

• Understanding of credit risk principles, portfolio management and risk appetite frameworks.
• Proficiency in financial statement analysis, bureau data and banking transactions; familiarity with automated and digital decisioning.
• Ability to interpret Probability of Default (PD) metrics for exposure and limit setting.
• Excel-based reporting and stakeholder communication.

What we offer

• Hybrid working with a hybrid work policy.
• Up to 26 weeks of paid parental leave.
• Strategy Week twice a year and fortnightly all-company updates.
• A flat structure and wellbeing benefits.