Credit Manager

TR Group; Melbourne; On-site; AUD 120,000 - 180,000; Full time

Job summary

TR Group is seeking a Credit Manager in Melbourne to lead the credit team and shape credit risk strategies. The role focuses on building robust processes, overseeing credit applications, and delivering regular credit reporting to support cash flow and business growth.

You will work closely with the Finance Manager and Branch Managers, drive improvements across credit operations, and manage relationships with external parties to mitigate risk while enabling customer growth.

Qualifications

• 5+ years' credit experience, including collections and accounts of concern.
• Ability to lead a team and drive process improvements.
• Strong financial acumen and ability to analyse credit risk.

Responsibilities

• Lead the Credit Team and build scalable systems, processes and policies.
• Manage credit applications and ensure efficient account opening across branches.
• Oversee monthly management and board reporting on credit performance.
• Develop credit strategies to improve risk exposure and cash flow.
• Collaborate with Finance Manager and Branch Managers on collections and risk.

Skills

Credit experience

Team leadership

Excel

Education

Tertiary financial qualification

Tools

Excel

Job description

Job Description – Credit Manager Australia

TR Group is a market leader in providing truck and trailer rental and lease services across Australia and New Zealand. Our approach is unique in that we are solely focused on trucks and trailers, with the emphasis being on having a team of truck and trailer experts, with a lot of experience and enthusiasm. This translates into a service that is greatly valued by our customers, because it really makes a difference for them. Our aim is to provide the most suitable vehicles possible for the jobs that our customers are wanting to do, and then to follow up with ongoing support to help our customers to operate those vehicles successfully, throughout their lives.

About TR Group

TR Group is a New Zealand owned private company with a network of 8 branches throughout New Zealand and 4 branches across Australia with over 270 employees.

TR Group is a company that is growing rapidly, especially in Australia, with Group revenues of $300m, vehicle assets of over $900m and strong profitability.

TR Group’s main activities include:

Rental (short term hire) of heavy trucks and trailers.

Leasing of trucks and trailers.

Used Vehicle Sales (trucks & trailers) – selling older fleet vehicles when we have finished with them.

Due to our infancy in Australia, our business model currently varies across both countries. In Australia, our primary revenue source sits with our rental function while we look to grow the team and customer relationships to support our lease offering. In New Zealand, our key function is long‑term leasing with our rental function supporting this.

As it stands today, TR Group AU own approximately 8,000 heavy transport vehicles and manage the maintenance on another 1,000 client owned vehicles, making a total of 9,000 vehicles supplied and managed by TR. TR began in 1992 and continues to grow rapidly and is continuously evolving its range of services to ensure we meet the needs of our customers.

We have a strong culture based on real values that are not mere generic platitudes. These values and this culture create a relaxed yet focussed working environment.

We believe in making a positive difference in people’s lives. We do this by creating an environment that inspires people to grow while providing quality products and services that help our customers to be successful.

General Overview of the Position

The Credit Managers role is new and is expected to evolve over time. Initially the role will require a lot of hands‑on work, assisting the credit controllers, a focus on risk exposures and implementing systems and structures to manage these.

The main areas of responsibility include:

Leadership Responsibilities

Leading the Credit Team through a stage of growth, helping to develop systems, processes, and policies to support team and customer growth.

Team leadership around annual reviews, team culture, general support.

To take personal responsibility for continually learning and growing to be a leader in your field of expertise.

Ultimate responsibly for the performance of the Credit team, and the growth and learning of the team around continuous and personal improvement.

Working closely with the Finance Manager and Branch Managers around collections, new accounts, and risk exposures.

Ability to understand the “bigger picture” thinking, balancing the sensitive nature of short‑term decisions vs long term consequences relating to our customers and team.

The intuitive ability to understand the communication required for difficult or assertive conversations with customers.

Your influence across the business is felt and seen by others and is not limited to the Credit team – you take a vested interest in those around you and keeping up with what’s going on around the business.

Manage a portfolio of accounts as well as accounts of concern.

Working closely with the Credit Controllers on credit escalation processes including monitoring customer accounts that may need to be for further action.

Performing annual credit reviews on our larger customers.

Working with solicitors on legal matters relating to Credit

Managing the relationship with TR’s collection agent

Customer Credit Applications

Managing the customer account application process. This includes making daily decisions to determine what account should be opened for customers and working with our branches to ensure the account opening process is efficient, effective and delivers a good experience for our customers.

Working with the Credit Controllers and Branches to improve the credit application process.

Proactive in visiting TR Group’s branches to build relationships and improve understanding of the credit processes.

Credit Reporting

Monthly Management and Board reporting on Credit performance.

Weekly credit reporting to the branches and sales team

Developing Credit strategies to improve TR’s credit risk exposure and cashflow.

Taking a Lean (efficiency) focus on improving processes.

Leading and educating the TR business on matters of Credit.

An important aspect of the role is that the volume of time spent between the areas noted above might vary from week to week due to varying volumes of work. The role requires someone who is flexible and adaptable to the week to week needs of the role.

Key Skills Needed

Have the judgement to balance taking a collaborative approach to decision making with the need, at times, to hold your ground on what you think is right.

Financially and commercially smart. The ability to dissect information in order to understand what is really happening.

Flexible and adaptable to changes in the volumes of work across their different areas of responsibility.

A strong belief in teamwork and supporting others. Happy to roll up their sleeves to help the team with work as needed.

The ability to gain the respect and trust of the wider team in order that you can provide quality support to the business.

Comfort and composure in dealing with conflict related to discussions.

To have a proficient level of computer Excel and system skills

A passion for improving, streamlining, and automating systems and processes.

Good relationship and communication skills

Organised and excellent attention to detail

A key measure of success is not simply what you achieve but how you go about doing it.

Prerequisites

A Tertiary financial qualification and / or substantial financial experience gained over time in a similar role

Credit experience – 5+ years both performing Credit collections and managing accounts of concern.

Experience leading and running a team

Reports to:

The Finance Manager Australia

This position is Melbourne based.

Remuneration:

Remuneration will be based on the skills and experience of the successful applicant.