At Shift, we’re business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products.  

We believe Australian businesses are the driving force behind our economy and are core to our communities. That’s why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do.  

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 250 people who are always looking to deliver better outcomes for Australian businesses.

In this role you will be responsible for the credit performance of Shift’s Trade product against predefined KPIs.  The role encompasses owning credit decisioning models, portfolio management and monitoring the end-to-end operational performance of the business for factors that influence the credit performance of the product portfolio. 

• Own the credit performance of Shift’s Trade product from origination through to recovery ensuring the portfolio grows in line with Shift’s expectations of credit loss. This will involve taking ownership of origination models, customer account monitoring and analysis for of platform and processes for factors that are influencing credit performance. 

• Provide recommendations for changes to the models, credit policy and underwriting guidelines.  

• Serve as a member of the Trade management team, responsible for reporting on the credit performance and its influencing factors to the broader group  

• Ensure portfolio is optimised by ensuring exposure to low risk grade customers is increase whilst reduced to those that deteriorate . 

• Provide performance reporting to 2nd Line Risk responding appropriately to any queries 

• Tertiary Qualifications in quantitative study 

• +5 years experience in a portfolio management, risk management role that is quantitative in nature (nice to have) 

• Experience using data to make commercial risk decisions  

• Technically competent with data – able to use SQL  

• Ability to use data and to make actionable recommendations to change models and business processes 

• Ability to be wholistically analytical, being able to explain the data and what is influencing it. 

• Ability to make decisions in a logical and considered way  

• Ability to communicate respectfully in a succinct and informative manner  

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