Collections Officer

Bridgit; Sydney; Hybrid; AUD 70,000 - 95,000; Full time

Benefits offered by this job

Extra Leave – birthday leave + life‑hE

Two weeks from anywhere

Learning and Development

Social events

Job summary

Bridgit is a leading Australian fintech lender seeking a Collections Officer in Sydney. You’ll manage customers through the full loan lifecycle, handle arrears and hardship with care, and work from a second-line position under the Collections Manager.

You’ll need experience in collections or loan servicing, a customer-first mindset, and knowledge of lending regulations. Hybrid work with a strong emphasis on service and compliance awaits.

Qualifications

• Experience in collections, loan servicing or hardship within fintech, bank or non-bank lender.
• Empathetic yet firm in negotiating outcomes while maintaining trust.
• Genuine customer-first mindset and willingness to help people.
• Knowledge of National Credit Code, responsible lending or ability to learn quickly.

Responsibilities

• Manage a loan portfolio through its lifecycle, building relationships with customers and brokers.
• Oversee maturities, rate resets and review dates to pre-empt issues.
• Assess extension, variation and restructure requests per policy.
• Deliver warm, clear service across calls and written comms, remaining professional.
• Handle delinquent accounts end-to-end, arranging repayments and tracking to resolution.
• Identify distress signals and assess hardship applications per policy and law.
• Maintain compliance with National Credit Code, ASIC guidelines and internal policies.
• Ensure issue resolution and refer matters to Internal Dispute Resolution when needed.
• Deliver accurate arrears reporting and flag risk trends for leadership.

Skills

Collections experience

Customer care

Negotiation

Compliance knowledge

Empathy

Organisation

Job description

About Us

Bridgit is a leading non-bank lender transforming the way Australians access property equity. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution – empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we’re making property finance seamless and stress-free.

About Us

Bridgit is a leading non-bank lender transforming the way Australians access property equity. Purpose-built to make property transactions faster and easier, we pioneered the Buy Now, Sell Later solution – empowering homeowners to unlock their property equity and move on their terms. With a simple digital application, fast approvals, and flexible loan options, we’re making property finance seamless and stress-free.

We’re now five years old and making huge strides. We have accredited over three-quarters of Australia’s broker network, and launched white label solutions with Australia’s largest aggregators – Connective, Aussie Home Loans, Finsure, and Loan Market Group – and we’re just getting started.

Our momentum has been recognised with awards such as Best Growth Story at the 2025 Fintech Awards, 2025 Finder People’s Choice Award for Lending Innovation, the finalist for Excellence in Lending (Business & Consumer) at the 2025 Finnies, Deloitte's tech fast 50 2025 and finally; being recognised as one of LinkedIn’s top 20 Start Up’s in Australia 2025.

The difference you’ll make

As a Collections Officer, you make sure our customers are looked after and our loans are serviced well across their full tenure. It is about knowing your customers, getting ahead of issues early, and giving people genuine help and great service when their circumstances change. You keep accounts on track from settlement through to close, handle arrears and hardship with care, and manage the small number of files that need recovery. You sit in the second line under the Collections Manager and play a direct role in looking after both the customer and Bridgit’s book.

What You’ll Do

• Manage a dedicated loan portfolio throughout its lifecycle, building strong relationships with customers and brokers while ensuring accounts comply with terms.
• Oversee key loan lifecycle milestones, including maturities, rate resets, and review dates to proactively resolve potential issues before they elevate.
• Assess and process extension, variation, and restructure requests within internal policy guidelines.
• Provide warm, clear, and supportive service across all calls and written correspondence, maintaining professionalism during challenging conversations.
• Handle delinquent accounts end-to-end by making prompt contact, negotiating realistic repayment arrangements, and tracking them to resolution.
• Identify early signs of financial distress or vulnerability, assessing hardship applications on merit in accordance with policy and statutory obligations.
• Maintain strict compliance with the National Credit Code, ASIC guidelines, and company credit and collections policies.
• Adhere to conduct standards by identifying potential complaints, resolving issues early, and referring matters to Internal Dispute Resolution when required.
• Deliver accurate arrears reporting for executive oversight while flagging emerging risk trends and systemic issues early.

Your Skills And Experience

• Experience in collections, loan servicing, hardship or customer care, ideally within a bank, non-bank lender or fintech.
• A warm, empathetic manner, with the ability to hold a firm line and negotiate outcomes without losing the customer’s trust.
• A genuine customer first mindset and a real desire to help people.
• Sound knowledge of the National Credit Code, responsible lending and hardship obligations, or the appetite to learn them quickly.
• Strong organisation and follow-through, so nothing slips through the cracks.
• Comfortable in a fast-moving fintech where processes and frameworks are still being built.

Why Join Us?

Bridgit values its team, they are the heart of how we build this business. Along with competitive remuneration, slick offices and the chance to be part of an innovative, agile fintech, we also offer:

• Extra Leave – we offer birthday leave + an additional day of paid leave to be used for life events, celebrations or just a mental health reset.
• Two weeks from anywhere – we encourage employees to work remotely from a location of their choice for two weeks each year.
• Learning and Development – all employees are encouraged and empowered to engage in professional development including a number of learning initiatives run internally.
• Social events – we have a jam-packed social scene, with events throughout the year.

Ready to Make an Impact?

If you’re excited about reshaping the lending industry and want to be part of a company that values authenticity and innovation, we’d love to chat.