About UsEstablished 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.Is This You?You're an experienced & ambitious credit professional who’s ready to take your experience and apply this to the next step in your career.You have hit the glass ceiling and outgrown your current role and are eager to take on the important challenges and professional growth that come with being a Head of Credit, leading a vibrant & high-performing team.Finally, you're a forward-thinking and innovative professional with the skills, vision, and drive to lead our credit team and business lending strategies into the future, with the support of our executive team.Role OverviewThe Head of Credit at Ume Loans is a senior 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 Head of Credit will lead a dedicated team, drive operational efficiency, develop talent, and maintain our rigorous compliance standards. They will also work in collaboration with our National Sales Manager to foster and maintain key relationships with introducers, such as finance brokers and aggregators.The Head of Credit 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.How Do You Get Yourself to the Top of the List?We respect both your time and ours, so to stand out and move to the top of the candidate list, please make sure to include both a Cover Letter and your Resume. In your Cover Letter, share what excites you about this role and why you believe you’d be a great fit for our team.Due to the number of applications, we receive from people wanting to join our team, applicants who fail to include the above will not be considered.Key ResponsibilitiesLeadership & Team ManagementLead, 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.Ensure that the team is well-trained in compliance, regulatory matters, and credit underwriting processes, empowering them to make informed decisions.Credit Operations ManagementOversee the credit assessment and underwriting processes, ensuring that all lending decisions are based on sound credit policies and procedures.Ensure the team is providing tailored credit solutions that meet clients' needs while managing risk effectively.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.Work with the technology team to develop and implement tools and systems that enhance credit decisioning, workflow efficiency, and customer experience.Key RelationshipsPlay your part in developing, nurturing, and maintaining strong relationships with key introducers such as finance brokers, aggregators, and other partners that provide loan referrals.Identify new business opportunities within the introducer network to expand Ume Loans’ reach and customer base.Collaborate with the sales and marketing teams to develop strategies that enhance partner engagement, increase referrals, and foster long-term business partnerships.Ensure that introducers receive a high level of support and service, making Ume Loans a preferred partner in their lending solutions.Attend and represent Ume Loans at events that our aggregation partners host from time to time.Compliance & Regulatory AdherenceMaintain a comprehensive understanding of all relevant regulations, industry standards, and best practices in the finance and insurance sector.Ensure that the credit team adheres to compliance frameworks, internal policies, and legal requirements in all aspects of the lending process.Work closely with the compliance team to ensure that credit processes are regularly reviewed, updated, and aligned with any changes in regulations.Oversee the implementation and monitoring of risk mitigation strategies to ensure that the business remains compliant and minimises potential exposures.Conduct periodic audits of credit policies, customer data, and loan portfolios to ensure strict adherence to compliance standards.Client Experience & Customer-Centric SolutionsEnsure that the credit processes are designed with a strong focus on customer experience, transparency, and fairness.Support your team to resolve any issues related to credit applications, loan servicing, or client dissatisfaction.Ensure that Ume Loans offers clear, accessible second-chance finance options for customers who may not qualify for traditional lending products.Strategic Leadership & ReportingReport 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.Next StepsPlease send your Resume and Cover Letter addressing:What has attracted you to this role?Why do you feel this is the right opportunity for you?Interview TimingWe are hiring now, so don't delay your application.
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