Head of Credit - Corporate

Who is Shift?

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. We’ve helped solve the credit and payment pain points for more than 25,000 businesses, providing over $3.5 billion in aggregate funding. 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.

Job Overview The Head of Credit Corporate is responsible for the performance of the Corporate Credit team and the assessment of high value, complex transactions, as well as the ongoing review and opportunity setting for borrowers as part of our portfolio review process for cash flow and asset finance lending. This role will have the opportunity to work closely with cross‑functional teams, proactively manage the portfolio and ensure right sizing of available limits to the corporate customer base. The role will proactively work with sales and Relationship functions to identify opportunities aligned to Shift’s risk appetite and support the growth of the lending book.

Duties & Responsibilities

Decision lending opportunities holistically focusing on capital expenditure and working capital funding.

Structure solutions that are the optimal credit strategy for the borrower with the appropriate security structure to protect in the event of loss.

Incorporate different securities (primary, secondary & tertiary) and understand their value over time to ensure the right structures are evident.

Focus on in‑life credit management and review of borrowers to ensure right‑sized opportunities consistent with credit appetite.

Create and foster a high‑performance culture for the team through active development and performance management.

Provide coaching to direct reports to ensure staff development, performance and growth.

Engage with Sales team on escalated loans and ensure outcomes aligned to Shift’s appetite are met through structuring or providing insights.

Regularly engage and collaborate with key internal and external stakeholders to support continuous improvement for the credit function and solve issues.

Use data and insights to create genuine customer solutions within Shift’s risk appetite, actively recommending to shape credit guidance and maintain risk appetite.

Collaborate with stakeholders to support continuous improvement for the credit function and create better ways of working.

Skills & Experience required

A well‑rounded experience in corporate lending focused on Cap Ex and Working Capital funding.

Ability to structure lending solutions that are the optimal credit strategy for the borrower and with the appropriate security structure.

A mix of traditional asset‑based experience with deep understanding of different asset securities (primary, secondary & tertiary) and their performance over time.

Ability to manage in‑life credit management and review of borrowers to ensure right‑sized opportunities consistent with credit appetite.

Strong Credit Risk Management Expertise.

Strong financial analysis and analytical skills.

Strong Leadership and management skills.

Detail orientated.

Strong organisational skills.

Strong diagnostic & cognitive skills.

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