{"id":3310580,"url":"https://alion.io/job/shift-credit-risk-manager","title":"Credit Risk Manager","company":{"id":174878,"name":"Shift","domain":"shift.com.au","url":"https://alion.io/company/shift-3","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Sydney, Australia"],"countries":["AU"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":null,"max":500000,"currency":"AUD","period":"year","gross":null,"usd_annual":351093},"salary_estimate":null,"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-26T23:50:25Z","employer_posted_date":"2026-10-26","last_verified_at":"2026-10-30T05:39:09Z","board_verified":true,"closed_at":null,"days_open":3,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":3},"description":"Who is Shift?\n\n Shift provides business finance to small, established and corporate sized businesses in Australia, including Business Overdraft, Equipment Line, Asset Finance, Term Loan and Trade Account. Founded in 2014, Shift has funded more than 30,000 Australian businesses.\nAt Shift, our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You’ll be joining a diverse team of over 300 people who are always looking to deliver better outcomes for Australian businesses.\nAbout the Role:\nAs Credit Risk Manager at Shift, you will be responsible for credit decisioning of escalated originations within our Small Business Division (SBD). With Delegated Lending Authority (DLA) up to $500K, you will handle scorecard referrals unresolved by Customer Solutions, focusing especially on at-the-margin cases that require judgment. This role is essential in delivering consistent, accountable credit standards and supporting SBD’s growth by consolidating credit decisioning under a single function.\nAs Shift further develops its digital and automated capabilities, your focus will evolve to include originations credit strategy, in-life (Continuous Credit) settings, and process and digital design, drawing on insights from hands-on decisioning.\nWhat You’ll Do:\nCredit Decisioning\nDecision escalated scorecard referrals outside standard rules, exercising DLA up to $500K.\n\nOwn judgment-based decisions and applications just outside policy, approving, restructuring, or declining in line with risk appetite and credit policy.\n\nDeliver escalated referral decisions within agreed service standards, targeting under one business day turnaround.\n\nAct as the escalation point for complex or material credit cases across SBD.\n\nCredit Standards & Strategy\nSet and document credit standards for at-the-margin cases, including complexity assessment.\n\nProgressively codify judgment-based decisions into policy and scorecard rules, reducing avoidable referrals.\n\nRefine SBD’s originations credit strategy using insights from escalated decisions.\n\nInput into continuous credit settings and participate in hindsight reviews of escalated decisions.\n\nData, Insights & Performance\nEstablish, measure, and report monthly on service standards for escalated referrals.\n\nTrack and report on escalation rates, turnaround times, and decision outcomes.\n\nTranslate decision and portfolio data into actionable risk insights.\n\nInform policy, scorecard, and process improvements based on exception and loss experience.\n\nDecisioning Transition & Stakeholder Management\nLead the transition of credit decisioning from Customer Solutions into SBD.\n\nStandardise escalation pathways for referred deals.\n\nPartner with the Customer Solutions Manager to optimise team capacity for customer and broker engagement.\n\nRepresent credit decisioning across SBD Product, Technology, and Operations initiatives.\n\nProcess & Digital Design\nProvide credit input into digital experience design by leveraging direct decisioning experience.\n\nIdentify manual controls and gaps in originations credit processes.\n\nSupport standardisation of credit guidance and documentation.\n\nEnsure process changes are well-governed and operationally supported.\n\nSkills & Experience:\nStrong understanding of credit risk principles, portfolio management, and risk appetite frameworks.\n\nAnalytical abilities with proficiency in data interpretation and Excel-based reporting.\n\nSound credit judgment with the ability to make timely, well-reasoned decisions and structure mitigants for complex deals.\n\nExcellent stakeholder engagement and communication skills, including the ability to clearly explain decision rationales.\n\nProficiency in financial statement analysis, bureau data, and banking transactions; familiarity with automated and digital decisioning.\n\n5+ years’ experience in credit risk, credit assessment, or lending roles (including holding a DLA).\n\nExperience in small business or commercial lending highly regarded.\n\nDemonstrated ability to assess complex applications.\n\nFamiliarity with credit risk frameworks, scorecard-based decisioning, and referral management.\n\nExperience interpreting Probability of Default (PD) metrics for exposure and limit setting.\n\nDemonstrated success in translating decisioning outcomes into policy, scorecard, or process improvements.\n\nQualifications:\nRelevant qualification in finance, economics, risk management, or a related discipline - preferred but not essential.\n\nKey benefits:\nHybrid working: we’re headquartered in North Sydney with state-based workplaces and offer a hybrid work policy. Our offices have spaces for collaboration, socialising and focused work.\n\nParental leave: up to 26 weeks paid.\n\nStrategy Week: twice a year the whole team comes together to hear the business strategy and product and technology roadmap first-hand, with fortnightly all-company business updates in between.\n\nFlat structure: everyone can learn from each other and senior leaders across the business.\n\nWellbeing: benefits supporting your physical, psychological and financial wellbeing, from a day off on your birthday to end of trip facilities.\n\nAdditional information:\nIf you don’t meet all the qualifications or skills but think you’d be a great fit, please apply anyway.\nLearn more about working at Shift at shift.com.au/careers.","description_format":"text","description_chars":5377,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Hybrid work","Parental leave"],"hiring_locations":[{"name":"Australia","iso":"AU","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Business & SME Lending","Factoring & Trade Finance"],"lifecycle":[{"event":"open","at":"2026-10-27T03:09:56Z"}],"visa":[],"liveness":{"score":90,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.903,"p_room":1,"age_days":3,"expected_fill_days":38,"reasons":["conf:0","velocity","win:early"],"computed_at":"2026-10-30T05:48:23Z"},"pay":{"stated_usd_annual":351093,"is_top_pay":true},"html_url":"https://alion.io/job/shift-credit-risk-manager","json_url":"https://alion.io/job/shift-credit-risk-manager.json","meta":{"generated_at":"2026-10-30T09:52:59Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":14145,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-31T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":174878},"rest":"https://alion.io/mcp/rest/get_company?id=174878"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fshift-credit-risk-manager"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fshift-credit-risk-manager"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fshift-credit-risk-manager"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/shift-credit-risk-manager\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fshift-credit-risk-manager"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3310580}},{"tool":"search_jobs","arguments":{"company":"shift.com.au","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3310580},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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