Credit Lead

Job Description

Purpose

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The Lead Analyst is responsible and accountable for the supporting people performance and application processing in the Credit Operations team. The role is responsible for processing/decisioning applications and managing referrals/escalations from Credit Operations team members on a day to day basis, providing ongoing coaching and feedback throughout this process. You will have the opportunity to influence the building of team culture and driving performance excellence, team capability, enhanced decision-making, regulatory compliance, risk mitigation and delivering exception service to our Dealer, Novated Leasing and Customer network.

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Key Deliverables

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• Senior credit underwriter focused on application processing, decisioning, coaching, and compliance support.
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• Supports People Managers and technical specialists, escalation point for credit decisions.
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• Supports coaching and mentoring; less culture-building role.
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• Coaches and mentors staff; supports onboarding and career development with People Managers.
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• Supports QA checks and compliance adherence; acts as a point of contact for Credit Risk function.
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• Uses senior DA for application decisions; escalation point in credit decisions.
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• Limited direct involvement in data analytics.
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• Supports People Managers and technical Specialists in people management and compliance.
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• Supports key projects; less strategic leadership.
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• Mainly application processing and coaching support.
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Qualifications

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• Bachelor's degree in finance, accounting, economics, or related field, preferred but not essential.
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Experiences

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• Established Credit/Lending/Underwriting experience in automotive or asset finance
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• Strong understanding of credit principles, risk & financial analysis, and industry regulations (responsible lending and AML)
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• Strong relationship management skills, with the ability to build and maintain trusted partnerships with dealers, brokers, salary packagers, and key stakeholders
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• Strong understanding of business and entity structures, including companies, trusts, partnerships, and other complex ownership arrangements
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• Strong proven analytical abilities and problem-solving skills
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• High attention to detail with the ability to evaluate underwriting quality against established standards
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• Proficient in MS Office Suite (Excel, Word, PowerPoint)
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• Demonstrated ability to lead and develop a team
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Key Stakeholders

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• Credit Operations
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• Retail Operations
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• Credit Risk and Financial Crime
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• Commercial (Sales) Compliance
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• Commercial Partners
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Employee Benefits

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We have a long list of benefits to suit your needs. On the clock, and off it.

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Here are a few favourites.

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• Birthday leave: Enjoy a day off on your birthday, because you deserve it.
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• Health and wellbeing leave: Take some well-deserved 'me' time, because your health comes first.
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• Volunteering day: Make an impact with a day dedicated to giving back to the causes you care about.
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• $500 ergonomic equipment reimbursement: Invest in comfort and productivity with support tailored to your work setup.
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• Recruitment referral program: We want to find and hire the best talent in the market, and we want to reward you with a payment of up to $5,000 for helping us identify and personally endorse high-calibre candidates you believe would be a great fit to come and work for us.
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• Employee rate program: When you're part of the Angle Auto Finance team, you'll gain access to our best auto finance rates with your next car purchase - just another way we've got your back.
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• Paid parental leave: Be there for life's most important moments with time to support your growing family.
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• SPARK: The employee benefits program that gives you everything from discounts to wellbeing support.
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• Purchased annual leave: Gain extra flexibility by purchasing additional leave.
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• Diversity flex leave: Our people have the flexibility to observe culturally significant days by choosing an alternate day that better aligns with their cultural values.
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We'd love to hear from you.

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Angle Auto Finance is committed to attracting, retaining and strengthening the performance of a diverse, equitable and inclusive workforce. It is our commitment to ensure equal employment opportunities without discrimination or exclusion on the basis of cultural heritage, colour, religion, citizenship status, age, sex, sexual orientation, gender identity, or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information or any other basis protected by law.

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Angle Auto Finance is an Australian-based non-bank lender, delivering automotive finance from a different angle - offering choice and flexibility, to enable Australians to realise their dreams.

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Our culture pillars represent our true strength and the things we can continue to build to get better. They describe what is unique and central to Angle Auto. The things we can't afford to lose, our true strengths that we must continue to build on. There are no passengers here. Just a group of like-minded people working together to make a positive impact. We take pride in our work and doing things the right way. The road might not always be smooth, but doing your best work in an environment that supports your drive is truly rewarding. Our industry doesn't stand still. And neither do we. With one eye firmly on the future, we're igniting new ideas and ways of working that drive us all forward.