At ACL Group, we’re not your typical finance company. We are pioneers in the world of non-traditional car finance, helping people who may not fit the typical lending criteria get the financial support they need. We work with a variety of customers, from those with a great credit history to those who have struggled to secure finance with mainstream lenders.

What sets us apart? It’s our customer-first approach, our highly skilled team, and our commitment to integrity in everything we do. We believe in doing things the right way — by following industry standards, adhering to best practices, and always putting our customers' needs at the forefront.

About the Role

As Operations Manager - Credit Support at ACL Group, you’ll take ownership of credit assessment, decisioning and policy application across our lending brands, while leading the day-to-day performance of the Credit team. You’ll remain hands-on in the assessment process, applying sound, informed credit judgement to individual applications, while also setting the standards, policy and workflow that keep the wider team consistent, compliant and effective.

In addition, you’ll monitor portfolio quality and credit risk trends, and provide timely reporting and insights to the Head of Credit and, from time to time, senior management, helping translate credit performance into meaningful business decisions.

This role is ideal for someone who enjoys leading from the front, combines strong technical credit knowledge with people leadership, and is comfortable balancing responsible lending obligations with commercial outcomes.

Key Responsibilities

Develop and implement credit assessment strategies, quality standards and performance measures that support sound and profitable lending decisions

Accurately analyse and interpret information to make hands-on, informed credit decisions in line with company policy





Identify and assess emerging credit risk trends and portfolio quality issues across ACL Group’s lending brands

Design and maintain credit policy and assessment frameworks that balance responsible lending with commercial outcomes

Oversee credit decisioning authority levels, escalation pathways and policy exceptions

Work with Compliance, Risk and Business Development to ensure credit policy remains compliant, scalable and fit for purpose

Maintain credit governance and ensure all credit assessment and decisioning activities comply with regulatory obligations, including responsible lending conduct

Monitor credit assessment turnaround times, quality and productivity against agreed targets and service level KPIs

Lead and develop the Credit team to meet quality, turnaround and productivity targets

Collaborate with Business Development Managers to support broker and dealer lending outcomes while maintaining credit standards

Coordinate and oversee the operational activities of the credit function, including the effective use of people, systems and resources

Assist with recruitment, development and performance management of credit staff through coaching and mentoring

Ensure team-wide compliance with the NCCP Act, responsible lending obligations and internal credit policy

A Little Bit About You

You’re a natural leader who leads by example — someone who can balance strong commercial judgement with hands-on credit assessment, support your team through complex or escalated matters, and maintain sound lending outcomes.



You’re comfortable stepping into more senior conversations and can communicate clearly at both an operational and executive level.

People Leadership & Coaching:

Experience leading or mentoring a credit or lending team, with a focus on performance, quality and development.

Credit Assessment & Decisioning:

Strong hands‑on experience assessing and approving consumer and/or commercial credit applications.

Regulatory & Compliance Knowledge:

Sound understanding of responsible lending obligations and relevant legislation, including the NCCP Act, National Credit Code and Privacy Act.

Stakeholder Relationships:

Confident working with Business Development Managers, brokers and dealers to balance commercial and credit outcomes.

Analytical & Reporting Skills:

Ability to monitor portfolio quality, assessment turnaround and productivity, and contribute to management-level reporting.

Proactive & Resilient:

Calm under pressure, solutions-focused, and comfortable managing competing priorities.

Organised & Detail-Oriented:

Strong time management and attention to detail, particularly in a regulated environment.

Adaptable & Collaborative:

Comfortable with change, systems enhancements, and working cross-functionally.

Integrity:

High ethical standards, discretion, and a strong sense of accountability.

What We Offer

We’re all about helping you grow — both personally and professionally:

Career Growth:

We believe in promoting from within. You’ll have plenty of opportunities to advance in your career and develop new skills through mentorship programs and internal promotions.

Supportive Work Environment:

You’ll be part of a close-knit team where your ideas and contributions are truly valued.

Education Support:

We offer study assistance and training programs to help you reach your full potential.

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📌 Operations Manager - Credit Support (City of Gold Coast)
🏢 Affordable Car Loans
📍 City of Gold Coast