About Us

Established in 2009, Ume Loans is a well-established provider of loans that help change people's lives. We focus on our customers’ potential rather than their past, ensuring everyone has the opportunity to access the finance they need.

With a commitment to empathy and understanding, we offer tailored solutions across car loans, personal loans, and business loans, helping our customers move forward and improve their credit profile. We take a common-sense approach to lending, which gives our team the power to find the strength in a customer’s profile, so we can help them when others can’t.

We believe in the value of technology and have invested heavily in building our systems to support speed, efficiency, and compliance in credit assessment while supporting scalable growth. Our team is ambitious, and our business is at an exciting time as we continue growing rapidly while changing our customers' lives for the better.

Role Overview

The Credit Manager at Ume Loans is a leadership position responsible for overseeing the operations of the credit division. This role is integral to ensuring that Ume Loans delivers accessible, transparent, and customer-centric finance solutions to the diverse variety of customers we assist.

The Credit Manager will lead a dedicated team, drive operational efficiency, develop talent, and maintain our rigorous compliance standards. Reporting directly in to a member of the Senior Leadership Team, they will also work in collaboration with our National Key Account Manager to foster and maintain key relationships with introducers, such as finance brokers and aggregators.

The Credit Manager will be expected to champion the company’s mission of providing second-chance financial opportunities to customers who may not qualify for traditional lending products.

They will ensure that Ume Loans' credit policies and processes are effective, fair,



and aligned with business objectives, regulatory requirements, and customer needs.

As this role requires a high level of collaboration, and we highly value our team members being able to work in a team environment, this role requires the successful candidate to work full-time in our purpose built offices right here on the beautiful Sunshine Coast.

Key Responsibilities

Leadership & Team Management

- Lead, mentor, and develop a high-performing Credit team to achieve business objectives.

- Cultivate a culture of excellence in service delivery, accountability, and innovation within the credit operations team.

- Monitor team performance, set clear goals and KPIs, and provide ongoing support and development opportunities to team members.

Credit Operations Management

- Oversee the credit assessment and underwriting processes, ensuring that all lending decisions are based on sound credit policies and procedures.

- Drive the continuous improvement of credit risk management frameworks, ensuring robust processes for assessing, approving, and managing credit applications.

- Monitor and manage credit risk, working closely with other senior leaders to ensure that the lending portfolio is in line with the company’s risk appetite.

Strategic Leadership & Reporting

- Report regularly to the executive team on key performance metrics, risk management updates, and the status of credit operations.

- Provide strategic insight into credit portfolio performance, opportunities for growth, and areas requiring improvement.

- Develop and implement long-term strategies to optimise credit operations and maintain Ume Loans' competitive edge in the market.

Remuneration

On offer with this full time position is an industry-based salary that will be in alignment with the experience being brought to the role, in addition to team performance-based bonus incentives.

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📌 Credit Manager (Maroochydore)
🏢 Ume Loans
📍 Maroochydore