---
title: 'Credit Risk Manager at Shift'
canonical: 'https://feeny.ai/job/credit-risk-manager-shift-sydney-gdxyd481zk7f'
type: 'job'
last_seen: '2026-10-28'
---

# Credit Risk Manager at Shift

- **Company:** Shift
- **Location:** Sydney, Australia
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-10-26
- **Last confirmed live:** 2026-10-28
- **Apply:** https://jobs.ashbyhq.com/shift/bf9ef045-5168-49e5-b38d-8c8c5bcdf398

## Job description

Who is Shift?

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. At 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. About the Role:

As 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. As 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.

What You’ll Do: Credit Decisioning

- Decision escalated scorecard referrals outside standard rules, exercising DLA up to $500K.
- Own judgment-based decisions and applications just outside policy, approving, restructuring, or declining in line with risk appetite and credit policy.
- Deliver escalated referral decisions within agreed service standards, targeting under one business day turnaround.
- Act as the escalation point for complex or material credit cases across SBD.

Credit Standards & Strategy

- Set and document credit standards for at-the-margin cases, including complexity assessment.
- Progressively codify judgment-based decisions into policy and scorecard rules, reducing avoidable referrals.
- Refine SBD’s originations credit strategy using insights from escalated decisions.
- Input into continuous credit settings and participate in hindsight reviews of escalated decisions.

Data, Insights & Performance

- Establish, measure, and report monthly on service standards for escalated referrals.
- Track and report on escalation rates, turnaround times, and decision outcomes.
- Translate decision and portfolio data into actionable risk insights.
- Inform policy, scorecard, and process improvements based on exception and loss experience.

Decisioning Transition & Stakeholder Management

- Lead the transition of credit decisioning from Customer Solutions into SBD.
- Standardise escalation pathways for referred deals.
- Partner with the Customer Solutions Manager to optimise team capacity for customer and broker engagement.
- Represent credit decisioning across SBD Product, Technology, and Operations initiatives.

Process & Digital Design

- Provide credit input into digital experience design by leveraging direct decisioning experience.
- Identify manual controls and gaps in originations credit processes.
- Support standardisation of credit guidance and documentation.
- Ensure process changes are well-governed and operationally supported.

Skills & Experience:

- Strong understanding of credit risk principles, portfolio management, and risk appetite frameworks.
- Analytical abilities with proficiency in data interpretation and Excel-based reporting.
- Sound credit judgment with the ability to make timely, well-reasoned decisions and structure mitigants for complex deals.
- Excellent stakeholder engagement and communication skills, including the ability to clearly explain decision rationales.
- Proficiency in financial statement analysis, bureau data, and banking transactions; familiarity with automated and digital decisioning.
- 5+ years’ experience in credit risk, credit assessment, or lending roles (including holding a DLA).
- Experience in small business or commercial lending highly regarded.
- Demonstrated ability to assess complex applications.
- Familiarity with credit risk frameworks, scorecard-based decisioning, and referral management.
- Experience interpreting Probability of Default (PD) metrics for exposure and limit setting.
- Demonstrated success in translating decisioning outcomes into policy, scorecard, or process improvements.

Qualifications:

- Relevant qualification in finance, economics, risk management, or a related discipline – preferred but not essential.

## #LI-SA1

Key benefits:

- Hybrid 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.
- Parental leave: up to 26 weeks paid.
- Strategy 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.
- Flat structure: everyone can learn from each other and senior leaders across the business.
- Wellbeing: benefits supporting your physical, psychological and financial wellbeing, from a day off on your birthday to end of trip facilities.

Additional information: If you don’t meet all the qualifications or skills but think you’d be a great fit, please apply anyway. Learn more about working at Shift at [shift.com.au/careers](http://shift.com.au/careers).

#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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