Senior Credit Manager at Brighte

Credit, Full Time, Permanent, Sydney, NSW sydney full-time
Description
Posted 12 days ago

Brighter Together

At Brighte, we believe every Australian deserves access to a sustainable and comfortable home. How do we help Australian’s achieve this? We build innovative mobile and web platforms, responsible and seamless financial solutions, and relationships with customers and vendors that last. Our addressable market is massive and rooted in a positive mission that empowers Australian’s and the growing and critically important sustainability market. 

We have been recognised for our incredible work in diversity and inclusion and have a leadership team that is passionate about building a high performing culture where people feel a sense of belonging. If you’re keen to work for a mission-driven company, with smart people who live and breath Brighte’s values, have a read below.

Brighte is looking for an experienced manager to lead, develop and uplift the underwriting standards and capabilities of its credit underwriting team.
 
The underwriting team evaluate the financial information contained within credit applications to determine if referred regulated and unregulated unsecured loans should be granted.  Brighte market leading underwriting SLAs mean that there is a greater focus on the speed to decision than in a more traditional underwriting role.
 
This role demands frequent engagement with team members overseas and key stakeholders in credit and risk.

What you'll do

  • Lead a team of Consumer Credit underwriters assessing applications within delegated underwriting authority in accordance with Company policies, procedures, SLAs and commercial risk environment.
  • Manage daily workflow key activities ensuring all SLAs are adhered to.
  • Act as primary point of escalation between sales management and ops/credit department for consumer applications.
  • Provide sound, high quality recommendation to management on complex applications.
  • Assist colleagues through knowledge sharing and coaching of team members in Sydney and overseas.
  • Provide input and feedback regarding credit policies and procedures, increasing the efficiency and accuracy of our processes.
  • Improve current process to help streamline application processing and reduce risk.
  • Implement and monitor first line defence strategies to determine credit and fraud risk.
  • Assist in the development of Brighte’s credit management frameworks.
  • Who you are

  • 5 years plus experience in lending in either a bank, equipment finance or supply chain finance.
  • Proven experience as a collaborative, solutions-based credit underwriter who can work effectively with sales and key stakeholders.
  • Exposure to all stages of the credit approval process including customer engagement, verification and credit decisioning.
  • Lending delegation experience of more than 3 years.
  • Understanding of relevant regulatory legislation under the Australian Securities and Investments Commission Act (2001) (ASIC Act), National Consumer & Credit Protection Act (NCCPA), Competition and Consumer Act, The Anti-Money Laundering, and Counter-Terrorism Financing Act and Privacy Act; and
  • Analytical skills with the ability to draw sound conclusions.
  • Experience in a leadership role with a passion to identify, coach, engage and develop talent.
  • Why Brighte

  • Employee Share Options. We want to build a successful company which means sharing the potential upside together.
  • Flexible working. It's all about balance so feel free to work from home when you need to.
  • Generous Parental Leave Policy. We couldn't get where we are today without our families.
  • Diversity and Inclusion. Winning Best Workplace Diversity award at the 2020 Finnies.
  • Employee Assistance Program. For confidential financial, work, relationship, or wellbeing support. 
  • Recognition and Reward Brighte Stars program. We drive a culture of recognition and celebration by shining a light on our accomplishments and everyday victories.
  • Nutritious food. A well-stocked pantry including free breakfast, daily fresh fruit, espresso coffee, yoghurt, Tim Tams and many more snacks to make work feel a little more like home. We've also got kombucha, beer, and wine on tap.
  • End-of-Trip Facilities. Cycle in to work, lock up your wheels, and have a shower in our end of trip facilities with towel service and hair dryers.
  • We’re a high performing team and proud to be backed by investors who believe in our mission and the opportunity we have ahead of us. Airtree Ventures, Mike Cannon-Brookes’ Grok Investments, Kim Jackson and Scott Farquhar’s Skip Capital as well as Qualgro Partners continue to help us scale our teams and products. 

    We’re recognised as one of Australia’s leading fintech companies, having been ranked the 6th fastest growing Technology Business in Australia in the Deloitte Fast 50/500 (2020) and winning the inaugural Finder Green Award (2020). We’ve also been recognised as a leading FinTech by the Australian Financial Review, Fintech Business Awards and KPMG.