Credit Risk Analyst

vor 3 Wochen


Council of the City of Sydney, Österreich Shift Vollzeit

Who is Shift? At Shift, we’re business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products. We believe Australian businesses are the driving force behind our economy and are core to our communities. That’s why our business expertise, focus on relationships, and market‑leading technology is at the core of everything we do. We’ve helped solve the credit and payment pain points for more than 25,000 businesses, providing over $3.5 billion in aggregate funding. Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You’ll be joining a diverse team of over 250 people who are always looking to deliver better outcomes for Australian businesses. About the role The Risk Analyst supports the Small Business Division (SBD) by assisting with ongoing credit monitoring activities (Continuous Credit at Shift). This role is responsible for identifying and managing credit risks, applying established risk management frameworks, and supporting the team in monitoring higher‑risk cases. The analyst will also contribute ideas to improve portfolio performance in line with divisional goals and customer needs. Duties & Responsibilities Execute Ongoing Credit Monitoring frameworks tailored to SBD customers. Monitor real‑time triggers (e.g., bureau alerts, banking dishonours, repayment anomalies, etc.) and initiate timely interventions. Actively manage high‑risk cases, including restructuring, suspensions, and recovery actions. Translate data into actionable insights for leadership and recommend strategies to mitigate risk. Ensure compliance with credit policies and operational risk controls. Collaborate with Product, Operations, and Technology teams to embed risk mitigations into BAU processes. Support automation initiatives, including PD‑model integration and rule optimisation. Skills & Experience Required 2+ years in credit risk, portfolio management, or related roles. Exposure to small business lending or commercial credit preferred. Experience with dynamic credit review processes and risk analytics tools. Strong understanding of credit risk principles, portfolio management, and risk appetite frameworks. Analytical mindset with established skills in data interpretation and proficiency in using Excel for reporting and analysis. Ability to detect early signs of credit deterioration and implement mitigation strategies. Excellent stakeholder engagement and communication skills. Familiarity with trigger‑based monitoring systems, bureau data, and banking transaction analysis. Qualifications Relevant qualification in financial services – preferred but not essential . #LI‑Hybrid #J-18808-Ljbffr


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