Job Description
We're building a disciplined, scalable lending business from the ground up - with a strong focus on compliant growth, high-quality underwriting, and tight operational execution. This is an opportunity to help shape how credit is done from day one, not walk into something already built.
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As Founding Credit Manager, you will own the day-to‐day credit function at Skyso - leading front‐line assessment across secured personal and auto lending, and setting the standard for credit quality from launch. Ultimately, this is expected to be a People Leader role who will hire Credit Officers as Skyso scales.
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You'll manage deals end‐to‐end from initial scenario through to settlement, working closely with brokers and sales to drive robust approval quality and conversion outcomes - all while ensuring alignment with Skyso's credit policy and risk appetite.
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This is a hands‐on role at the centre of the business. You'll be actively assessing deals, influencing structuring decisions pre‐submission, and partnering with Growth and Operations to build a high‐performing lending engine from the ground up.
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The role reports directly to the CEO.
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To help build a strong culture from day one, the role is based in our central Newcastle office, with an expectation of at least three days per week onsite.
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Key responsibilities
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Credit assessment and decisioning
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Assess loan applications across secured personal and auto products in line with credit policy, risk appetite, and responsible lending obligations.
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Analyse income, expenses, serviceability, security position, and overall borrower profile.
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Apply judgement on borderline applications - balancing risk, commercial outcomes, and policy intent.
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Document clear, auditable credit decisions with appropriate rationale and conditions.
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Deal structuring and broker engagement
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Workshop live scenarios with sales agents and brokers to optimise deal structure prior to submission (improving first‐time approval rates).
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Liaise directly with brokers on submissions - missing information, structuring changes, and conditions.
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Where required, engage directly with customers to clarify information, validate inconsistencies, or progress applications.
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Pipeline management and settlement execution
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Manage a high‐volume pipeline across application stages: submission, conditional approval, verification, documentation, and settlement.
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Work closely with Sales and Operations to ensure conditions are satisfied, documentation is accurate, and deals progress efficiently to funding.
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Maintain strong turnaround times without compromising credit quality.
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Credit quality and risk monitoring
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Support ongoing monitoring of credit outcomes - approval quality, early arrears signals, and exceptions.
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Identify patterns or issues (e.g. broker quality, document inconsistencies, risk drift) and elevate appropriately.
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Contribute practical feedback into credit policy and process improvements.
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Compliance and responsible lending
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Ensure all assessments meet NCCP responsible lending obligations and internal compliance standards.
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Maintain clean, auditable files - evidence of assessment, verification, and decisioning must be complete and defensible.
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Required experience
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5+ years in a credit assessment or lending role within a bank, non‐bank lender, or specialist finance provider.
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Strong experience assessing consumer lending applications (auto finance and/or personal loans preferred).
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Exposure to non‐bank lending structures, risk‐tiered pricing, and broker‐originated applications is highly desirable.
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Working understanding of responsible lending requirements and how they apply in practice at the assessment level.
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📌 Founding Credit Manager (New South Wales)
🏢 Skyso
📍 New South Wales