Senior Credit Manager/Executive

Banjo Loans; Melbourne; On-site; AUD 80,000 - 120,000; Full time

Job summary

Join a dynamic FinTech company as a Senior Credit Manager/Executive in Melbourne, where you will leverage your finance expertise to make a real difference for small and medium-sized businesses. This role offers the opportunity to assess complex lending proposals, collaborate with finance brokers and accountants, and contribute to the growth of Australian SMEs. With a focus on innovation and client relationships, you will be part of a forward-thinking team that values passion and entrepreneurial spirit. If you're ready to take your career to the next level in a fast-paced environment, this opportunity is perfect for you.

Qualifications

• 10+ years in Banking & Finance with strong credit risk analysis skills.
• Experience in client relationship management and credit decisioning.

Responsibilities

• Assess complex commercial finance proposals up to $2,000,000.
• Ensure credit decisions align with company policy and risk appetite.
• Collaborate with sales to enhance customer experience.

Skills

Cashflow Lending

Credit Risk Analysis

Relationship Management

Communication Skills

Attention to Detail

Education

Bachelor's Degree

Job description

Add expected salary to your profile for insights

• Join a high performing, down to earth team

• Leverage your finance experience & make a difference

We have an exciting opportunity for a Senior Credit Manager/Executive to join Banjo, a leading national FinTech based in the heart of Melbourne CBD.

The Company

An Australian success story with true entrepreneurial spirit, Banjo is a dynamic online lender providing loans to small and medium sized Australian businesses, and assisting them in their growth aspirations.

Reflective of the small business owners they represent is a belief that at the heart of every great business is passion, self-belief, and a vision of how to do things better. Banjo knows the needs of a small business can change from one day to the next. The team understands that innovative businesses move faster. That is why they offer a streamlined process which is just what small businesses need, and back it up with brilliant business loans and asset finance loans. We combine smart technology with the kind of human insight and care that our clients remember and are committed to making a difference for businesses to assist them to grow.

The Role

We are currently looking for a Senior Credit Manager/Executive to join the Credit Risk team, working collaboratively across the organisation. This role is close to the action, with regular contact with finance brokers, accountants and clients, reviewing client applications for finance. The focus of the role will be on Banjo’s higher value, and more complex lending proposals.

You likely will have come from a Banking & Finance (or Professional Services background) and be eager to join a growing FinTech business that’s really making a difference. You possess high quality cashflow lending & credit risk analysis skills (developed over at least a 10 yrs + timeframe), are willing to back your view and take pride in assisting Australian SMEs and helping them grow. The organisation is going through a period of growth and change, and you will be enthusiastic about joining Banjo on this exciting journey.

Knowledge of the credit life cycle (application, structuring, portfolio management & collections) as well as operational risk & compliance would be beneficial and some experience in client relationship management from prior roles will also be highly valued.

This role will also provide you with the opportunity to learn and have hands-on experience engaging with all areas of a FinTech business.

About you

• Bachelor’s degree qualified with demonstrated record of high academic achievement is desired

• Previous experience in a credit role within financial or professional services is critical, with relationship management experience also being desirable

• Well-developed written and verbal communication skills

• Strong interpersonal skills, great work ethic & attention to detail

• Ability to work autonomously & form trusted relationships with fellow team members and clients

• A passion for learning

• Ability to work in a fast-paced environment where quality and speed are both essential

• Demonstrated experience with engaging with SME owners, accountants and brokers

Responsibilities

Credit Decisioning

• Assessing material commercial finance proposals (both unsecured & secured, with cashflow lending skills being critical). This includes decisioning of more complex, higher risk lending applications up to $2,000,000 in a timely and accurate manner

• Ensuring that credit decisions are made in line with Banjo credit policy and risk appetite

• The ability to work across a variety of Banjo’s lending products, and confidence to assess transactions independently with your own delegated authority.

• Working collaboratively with the sales to ‘workshop’ transactions with customers, brokers and accountants

• Ensuring that the right balance is made between the quality of decision with time to decision for applications – as this is a critical differentiator for non banks such as Banjo

• Strong competencies in communication with clients, brokers and fellow team members – decisioning process efficiently with attention to detail.

• Assisting in the ongoing monitoring of the portfolio alongside CRO and senior risk team members

• Being comfortable with proactive calls with brokers, clients and accountants to assist with development of new business for Banjo

• Working closely with the Sales & Product teams to provide client feedback and suggest areas of improvement in the overall customer experience.

• Working with the Head of Strategic Partnerships /Banjo Key Clients to agree underwriting approach to key clients of Banjo

Other

• At Banjo, at times you will be involved in projects and initiatives that are designed to improve the quality of Banjo’s decisions and improving the client experience

• The role will also play a key part in credit risk skills development & training with fellow team members

• This role is part of the risk leadership team, so previous leadership experience will be valued

• Work with Banjo’s Sales and Marketing teams to support campaigns and other activities engaging finance brokers & accountants.

At Banjo, we don’t just fund businesses — we back the people behind them. If you think you can be one of the reasons our clients keep coming back, apply now and join a team that’s helping SMEs move forward.

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Your application will include the following questions:

Do you have full permanent rights to work in Australia? How many years of experience do you have in a similar role? What are your salary expectations? What is your notice period? Are you able to commute to our CBD office at least 3 days a week?

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