Senior Credit Risk Lead - Small Business Lending

Shift Financial Pty; Sydney; Hybrid; AUD 150,000 - 210,000; Full time

Benefits offered by this job

Hybrid working

Parental leave

Strategy Week

Flat structure

Wellbeing

Job summary

Shift in Sydney is seeking a Credit Risk Manager to lead credit decisioning for escalated originations in the Small Business Division, with delegated lending authority up to $500K. You will ensure consistent risk standards and support growth by consolidating credit decisioning under one function.

You will shape credit standards and strategy, leverage data for insights, and partner across Product, Technology and Operations to drive policy improvements.

Qualifications

• Strong understanding of credit risk principles and portfolio management.
• Analytical ability with data interpretation and Excel-based reporting.
• Proven judgment to structure mitigants for complex deals and explain decisions.

Responsibilities

• Credit decisioning: escalate scorecard referrals and decide within risk policy.
• Credit standards & strategy: codify judgments into policy and scorecard rules.
• Data, insights & performance: measure service standards and report escalation metrics.
• Decisioning transition & stakeholder management: lead transition into SBD and standardise processes.
• Process & digital design: contribute to digital decisioning design and governance.

Skills

Credit risk principles

Portfolio management

Risk appetite

Data interpretation

Stakeholder engagement

DLA up to 500K

Education

Finance or risk management degree

Tools

Excel

Job description

Shift in Sydney is seeking a Credit Risk Manager to lead credit decisioning for escalated originations in the Small Business Division, with delegated lending authority up to $500K. You will ensure consistent risk standards and support growth by consolidating credit decisioning under one function.

You will shape credit standards and strategy, leverage data for insights, and partner across Product, Technology and Operations to drive policy improvements.