Credit Operations Manager

BOQ; Sydney; Hybrid; AUD 120,000 - 150,000; Full time

Benefits offered by this job

Flexible working arrangement

Discounted financial products

Salary sacrificing options

Paid parental leave with no minimums

Purchase additional annual leave

Discounted private health insurance

Employee Assistance Program (EAP)

Access to employee network groups

Job summary

BOQ Group is seeking a skilled credit professional to own end-to-end execution of credit submissions, shaping transactions from concept to approval. You will work with Distribution, Credit Risk and internal specialists to ensure high-quality proposals that balance risk with value.

You will also help manage portfolios, monitor performance, and identify opportunities to strengthen outcomes for customers and the business.

Qualifications

• Experience in preparing credit submissions and risk assessments.
• Strong communication and judgement in complex deal structures.
• Ability to collaborate with Distribution, Credit Risk and internal teams.

Responsibilities

• Own end-to-end execution of credit submissions and approvals.
• Monitor portfolio performance and identify emerging risks.
• Drive continuous improvement to submission quality and efficiency.

Skills

Credit analysis

Deal structuring

Risk assessment

Policy compliance

Stakeholder management

Tools

Credit models

Job description

About the Role

This is an exciting opportunity to play a pivotal role within BOQ Finance, where you’ll sit at the centre of deal execution and portfolio performance, helping to bring complex credit transactions to life. In this role, you will own the end-to-end execution and ongoing management of credit submissions, ensuring every submission to line 2 is of a high quality, is commercially sound, and aligned to risk appetite and Policy requirements. Working in close partnership with Distribution, Credit Risk, and a broad set of internal specialists, you will shape and structure transactions, guiding them from initial concept through to approval. You will bring commercial opportunities into focus—translating deal intent into well-structured, compelling credit proposals and applying thoughtful judgement to risk, security, and overall deal design. Alongside deal execution, you will aid in the management of key portfolios for BOQ Finance; actively monitoring performance, identifying emerging risks, and uncovering opportunities to strengthen outcomes for both customers and the business. You’ll also play a key role in uplifting how the team operates—driving greater consistency, improving submission quality, and contributing to continuous improvement initiatives that enhance turnaround times and efficiency. This is a role where your expertise will be highly visible, your judgement genuinely valued, and your impact felt across the business—balancing disciplined risk management with a solutions-focused approach to delivering strong commercial outcomes.

About You

You’re someone who thrives in complex environments and genuinely enjoys getting into the detail of credit transactions. You bring strong capability in credit analysis, deal structuring, and crafting high-quality submissions, with the confidence to assess risk and clearly articulate well-reasoned recommendations. You’re commercially minded and naturally curious, with a talent for turning complexity into clarity. Whether it’s structuring a deal, navigating competing priorities, or resolving challenges, you bring sound judgement and a pragmatic, solutions-focused approach that supports both customer and business outcomes. With a strong understanding of credit policy and risk frameworks, you’re confident operating as a first line of defence—balancing risk discipline with efficiency and momentum. You build credibility quickly, collaborate effectively across teams, and can influence outcomes through clear communication and thoughtful engagement.

You take pride in your attention to detail and consistently deliver to a high standard, even in fast-paced environments. At the same time, you’re forward-thinking—always looking for ways to improve how things are done, streamline processes, and contribute to a stronger, more capable team environment.

About us

BOQ Group is a truly unique group of challenger brands with a purpose – to provide a genuine alternative to Australian financial services for customers and employees. Our family of brands (Bank of Queensland (BOQ), ME Bank, Virgin Money Australia, BOQ Specialist), each come with their own defined customer audience and brand personality, but share one goal – to build social capital through banking. That’s creating trust with customers, exploring staff potential and believing that tiny gestures and big ideas can change the world for communities. BOQ Group’s inclusive vision is to foster a workspace that values and leverages difference and creates new possibilities, a place where our people feel confident to bring their best selves to work every day. We embrace difference and believe that our workforce should reflect the customers and communities that we serve. In 2023, we successfully implemented an innovative Reconciliation Plan, driving positive change and promoting inclusivity across BOQ Group.

Our perks

At BOQ Group, we are passionate about creating an exceptional work environment that nurtures both your professional and personal growth. Our comprehensive benefits package is designed to enhance your well‑being, provide financial security, and foster a sense of community and inclusion. Here are just some of the fantastic perks you can enjoy as part of our team:

• Flexible working arrangement - Balance your work and personal life with ease.
• Discounted financial products - Enjoy exclusive rates on our financial services across the Group.
• Salary sacrificing options - Maximise your take-home pay with our salary packaging options.
• Paid parental leave with no minimum requirements - Spend quality time with your new family member without any worries.
• Purchase additional annual leave - Need more time off? You can buy extra leave days.
• Discounted private health insurance plan - Take care of your health with our special rates.
• Employee Assistance Program (EAP) - Access confidential support for personal and professional challenges for you and your family
• Access to employee network groups - Connect with peers through our First Nations Reconciliation, LGBTQIA+, Multicultural, Gender, Early Careers, and accessibility groups.

Pride in Diversity membership: We are proud members of Pride in Diversity and actively participate in the Australian Workplace Equality Index. We are committed to creating a workplace where everyone feels valued and supported. Join us and be part of a company that truly cares about its people and community!

Background Screening Requirements

If you are successful for a role with BOQ Group, it is a condition of employment that background screening is completed to ensure that the Bank complies with its obligations under the Anti-Money Laundering and Counter Terrorism Financing Act. These checks may include, but are not limited to identity, verification, reference checks, criminal background checks, immigration checks, verification of academic qualifications, bankruptcy checks.