We are on the lookout for a driven Credit Manager to join our incredible team at Cloudfloat in Sydney.
Growing your career as a Full Time Credit Manager is an incredible opportunity to develop useful skills.
If you are strong in decision-making, creativity and have the right mindset for the job, then apply for the position of Credit Manager at Cloudfloat today!

Who is Cloudfloat?

We are a fast-growing, VC-backed, FinTech start-up based in Sydney. Cashflow, or lack of it, is the biggest challenge small businesses face, and we’re working to change that. Our mission is to eliminate the hassle and ‘Make Cashflow Instant’ for small/medium-sized enterprises while empowering them with financial freedom to grow and succeed.

We are looking for a talented and motivated Credit Manager to join our team and help us drive our mission forward.

As a Credit Manager at Cloudfloat, you will be responsible for overseeing the credit assessment process and ensuring that all loans are approved in accordance with the company's lending policies and procedures; while also taking control of the debtor management process, including reporting and maintaining effective relationships both internally and externally.

Ideally as Credit Manager you will use new data and techniques for credit portfolio management and improving credit quality.

Responsibilities

- Review credit applications and assess the creditworthiness of businesses
- Manage credit risk by proactively monitoring credit limits
- Analyze data and behavior's to improve credit models and overall portfolio collections
- Manage, evolve and oversee repayment and collections processes, systems and activities
- Create and maintain reports on key risk metrics, concentrations,



and satisfactions of the loan portfolio
- Anticipate regulatory risk by regularly monitoring the regulatory landscape.
- Proactively monitor and identify changes within key metrics and trends diagnosing problems and identifying opportunities for improvements and corrections
- Prepare industry analysis as well as annual and interim credit reporting
- Review, maintain and establish credit policies and procedures that comply with legal and regulatory requirements
- Ensure the collection of debts by the due date, maintain positive cash flow and mitigate bad debt exposure/risk management
- Financial forecasting and practice due diligence
- Prepare regular reports against KPI indicators and reports for the sales team and credit committee as required within the Credit Policy and Framework
- Proactively manage and lead the relationships with other departments of the Sigma enterprise
- Provide guidance and use your decision making authority to make decisions with respect to managing a customer’s trade or isolated debt accounts
- Gather and review data to evaluate and approve credit applications

About you

- Min. 6+ years of experience in a credit risk management role, developing and testing credit models and/or managing credit collection processes
- Demonstrated knowledge and understanding of business models,



financial accounts and credit bureau data.
- Experience with auto-approval models and risk scorecards.
- Team leadership experience with demonstrated people leadership skills, with the ability to guide and coach others to succeed
- Strong ability to manage and guide customer relationships
- Analysis of complex information, identification of errors and gaps
- Familiarity with credit scoring models and risk assessment tools
- Experience in developing credit policies, procedures, and guidelines
- Exceptional written & verbal communication and stakeholder management skills
- Proactive and self-motivated way of working
- Excellent organizational skills
- Proficiency in MS Excel / Google Sheets and MS PowerPoint / Google Slides
- A driven and accountable individual who thrives in a continuously changing and evolving role

Perks

● Competitive Salary Package

● Vibrant “start-up” culture, surrounded by other like-minded tech start-ups

● Flexible working arrangement, locations and/or working from home days to drive your own work-life balance

● Access to “Unlimited” Annual Leave; a day off for your birthday

● In office bike and shower facilities

Cloudfloat works with a panel of preferred recruitment agencies only, we do not accept unsolicited agency CVs. Cloudfloat is not responsible for any fees related to unsolicited CVs that are submitted.

Apply or email View email address on jobs.institutedata.com

Benefits of working as a Credit Manager in Sydney:

● Learning opportunities
● Opportunities to grow
● Advantageous package

● Remote Work opportunity

📌 Credit Manager - with Growth Opportunities (Sydney)
🏢 Leading
📍 Sydney