---
title: 'Commercial Credit Analyst (Part-Time) at Shift'
canonical: 'https://feeny.ai/job/commercial-credit-analyst-part-time-shift-sydney-qtgqmwtrgjyw'
type: 'job'
last_seen: '2026-09-09'
---

# Commercial Credit Analyst (Part-Time) at Shift

- **Company:** Shift
- **Location:** Sydney, Australia
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-09-06
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/shift/d4aada5f-be43-4d72-9bcc-e6cb55782db4

## Job description

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 30,000 businesses, providing over $6 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 300 people who are always looking to deliver better outcomes for Australian businesses.

About the role: As a Credit Analyst at Shift, you'll be a crucial part of our customers' journeys, carefully reviewing credit applications from both customers and brokers. With a keen eye for detail, you'll look at bank statements, financial documents, and other key information to help determine each applicant’s creditworthiness and suggest the right lending options. Your expertise will not only help us manage risk, but also contribute to outstanding outcomes for our customers.

This is a part-time opportunity, offering flexibility to suit your lifestyle, while making a meaningful impact on our team and customers.

What you'll do:

- Review and assess commercial credit applications by analysing financial statements, bank records, and other important data
- Connect with applicants and brokers over the phone to gather information and discuss loan requirements
- Deliver accurate and thorough credit assessments, recommending lending limits that fit Shift’s approach
- Make sure every customer application is matched with the right products and services
- Keep detailed records of risk factors and ways to manage them, supporting confident decision-making
- Develop strong relationships with internal teams, customers, and brokers to support business growth
- Follow credit underwriting guidelines and compliance standards, and maintain accurate data in our systems
- Team up with Relationship Managers and Sales teams, offering support, coaching, and mentorship
- Look for ways to improve our processes and service, helping the whole team work more efficiently

What you'll bring:

- Previous experience with Delegated Lending Authority in commercial or business lending
- Strong business sense, with a solid grasp of the SME market
- Proven ability to deliver excellent customer service
- Experience analysing commercial credit through financial and bank statements (bonus points for familiarity with non-traditional data!)
- A sharp, analytical mindset with great attention to detail
- Background in risk or analytics roles, or experience with finance products in point-of-sale settings, is a plus but not required
- Fantastic communication skills and the ability to build lasting relationships
- A dedication to compliance and ensuring data accuracy

## #LI-SA1

Key benefits:

- Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business.
- Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy.
- Flexible working environment – we’re headquartered in North Sydney with state-based workplaces and offer a flexible work policy.
- Family support – industry leading 26 weeks paid parental leave.
- Purpose built spaces within our office – designed for collaboration, brainstorming, socialising, and focused work.
- Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities.

#LI-Hybrid

## About Shift

## Company Overview
- **One-liner**: Shift provides Australian businesses with a range of credit and payment products—including working capital, asset finance, and trade credit—to help them manage cash flow, purchase equipment, and streamline trade terms.
- **Entity Type**: Private (Series D, backed by Peak XV Partners)
- **Headquarters**: North Sydney, New South Wales, Australia
- **Founded**: 2014
- **Founders**: Not publicly listed on the company website or in major profiles; the company was originally founded as GetCapital and rebranded to Shift in 2021.

## Core Business
- **Primary industry/industries**: Financial Services (Fintech) – specifically business lending, asset finance, and trade credit.
- **Target customers**: B2B – established small and medium-sized enterprises (SMEs) in Australia with $1M–$10M annual revenue, as well as brokers and suppliers who serve those businesses.
- **Mission or purpose statement**: “We’re for growing business” – Shift aims to provide financial certainty so businesses can operate and grow with ease, flexibility, and control.

## Products & Services
- **BusinessOverdraft**: A working capital product that links to a business transaction account, allowing on-demand fund transfers for cash flow management.
- **Equipment Line**: A single account to pay for equipment and fitout purchases (new or second-hand) in instalments.
- **AssetFinance**: Financing for purchasing business assets (equipment, vehicles, machinery) without paying the full cost upfront.
- **Trade Account**: A trade credit product that lets businesses pay invoices for materials, stock, and services with flexible repayment terms.
- **Shift Trade (Supplier side)**: A platform for suppliers to minimise credit and payment risk, optimise order management, and grow sales.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed.
- **Key Metric**: Total funding of approximately **USD $789.5M** across 9 rounds (including debt financing). Annual revenue estimated at **USD $400M** (source: LinkedIn company data).
- **Notable Investors/Partners**: Peak XV Partners (lead investor in Series C and Series D), plus other institutional debt and equity investors. The company has also been recognised by the Commercial & Asset Finance Brokers Association of Australia (CAFBA), winning Fintech of the Year four consecutive years (2020–2023).
- **Growth Signals**: 
  - Has supported **over 30,000 Australian businesses** since founding.
  - 65% of customers have seen a 10%+ increase in compound annual growth rate (CAGR) since 2019.
  - Headcount of ~250–300 employees, with a 2.2% yearly growth rate.
  - Operates in 5 countries (Australia, India, New Zealand, Singapore, Canada).
  - Won KangaNews Australian Innovative Securitisation Deal of the Year 2025 for its A$200 million Shift Overdraft 2025-1 Trust transaction.

## Competitive Advantages
- **Technology-enabled underwriting**: Uses real-time financial data to give businesses visibility of available credit and control over access, reducing lengthy approval processes.
- **End-to-end product suite**: Offers a single platform for working capital, asset finance, and trade credit—covering the full lifecycle of business financial needs.
- **Broker trust**: Voted Fintech of the Year by brokers for four consecutive years, indicating strong partner relationships and market credibility.
- **Securitisation innovation**: The 2025 award for innovative securitisation demonstrates sophisticated funding capabilities that lower cost of capital.

## Strategic Focus
- **Deepening the Australian SME market**: Continuing to grow the customer base of established SMEs and expand product adoption.
- **Product innovation**: Building out the Shift Trade platform for suppliers and enhancing the digital experience for both businesses and brokers.
- **International expansion**: Already operating in 5 countries, with a growing team in India (44 employees) and presence in New Zealand, Singapore, and Canada.
- **Talent and culture**: Investing in a strong engineering and product team (13% of workforce in technical roles) to maintain a technology-led edge.

## Why Work Here
- **Culture**: Values include “We solve problems,” “We deliver value,” “We are straightforward,” “Time is precious,” and “Shared success, shared learnings.” The company emphasises no fiefdoms, no politics, no egos—a single-team mentality.
- **Work policy**: “Shift flex” embraces hybrid and remote working, recognising that there’s no one-size-fits-all approach. Some roles are on-site at the North Sydney HQ, while others offer flexibility.
- **Parental leave**: 26 weeks paid leave for the primary carer and 6 weeks for secondary carers, regardless of gender.
- **Office perks**: Premium office space in North Sydney with an in-building café, end-of-trip facilities, and a reflection room. Mix of meeting rooms and booths for collaboration.
- **Compensation**: Competitive salaries and bonus schemes, plus a generous employee referral program.
- **Engineering culture**: The tech stack includes React, .NET, and modern cloud infrastructure. Open roles include Full Stack Engineer, Senior Software Engineer, and Software Engineer (.NET/React.js), indicating a strong focus on building internal platforms.

## Sources
1. [shift.com.au – About Us](https://www.shift.com.au/about-us/)
2. [shift.com.au – Products](https://www.shift.com.au/)
3. [shift.com.au – Careers](https://www.shift.com.au/careers/)
4. [Built In – Shift Profile](https://builtin.com/company/shift-shiftcom)
5. [LinkedIn – Shift Company Page](https://au.linkedin.com/company/shiftfinancialau)

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