About the job

Credit Manager - Small Business

Sydney or Melbourne | Hybrid

Reports to: Senior Credit Manager

Join a Lender That's Redefining Small Business Finance

Moneytech is fast-growing non-bank lender helping Australian small and medium enterprises access the funding they need to grow and succeed.

With a national presence and a reputation for agility, service, and innovation, we provide a range of funding solutions including business loans, business overdrafts, equipment finance, and trade facilities. As our portfolio continues to expand, we're investing in smarter systems, streamlined processes, and AI-enabled decisioning to transform the way credit is delivered.

We're now looking for an experienced Credit Manager to join our team and play a key role in shaping the future of small business lending.

The Role

As Credit Manager – Small Business, you’ll play a pivotal role in shaping the way we deliver credit outcomes for our broker network and their customers. You’ll work closely with BDMs, brokers, and internal stakeholders to ensure credit decisions are timely, consistent, and aligned with our appetite.

Key Responsibilities

• Lead credit assessments for small business applications up to $1 million, including new, increased, and variation requests.
• Apply sound judgment and policy interpretation to ensure high-quality decisioning and risk mitigation.
• Collaborate with BDMs and brokers to resolve queries, improve submission quality, and enhance turnaround times.
• Champion automation and AI adoption across credit workflows—e.g., bank statement analysis, CRM integration, and document processing.
• Contribute to policy simplification and process refinement to reduce duplication and manual effort.
• Support training initiatives for internal teams and brokers on credit metrics, financial analysis, and submission standards.
• Participate in monthly portfolio reviews and contribute to risk reporting.

What We’re Looking For?

• 5+ years’ experience in commercial credit, ideally within small business lending.
• Strong understanding of low doc lending, credit policy, financial statement analysis, and risk frameworks.
• Proven ability to manage stakeholder relationships across sales, operations, and external partners.
• Passion for innovation and process improvement.
• Experience with AI tools (e.g., Claude, Copilot, OCR, CRM automation) highly regarded
• Excellent communication skills and a collaborative mindset.