The Retail Credit Specialist is responsible for implementing and maintaining coaching programs that support the Credit Operations staff in understanding and effectively managing retail credit products the role will be responsible for building a hub of lending excellence. In this role you will have the opportunity to build team capability through enhanced decision-making, regulatory compliance, risk mitigation and delivering exceptional service to our Dealer, Novated Leasing and Customer network. Key Responsibilities; Credit underwriting expert and advises on policy adherence, credit procedures & appetite, training, QA, and strategy. Acts as an escalation point, contributes to strategic initiatives. Supports culture of continuous learning, professional development, and succession planning. Design, develop and deliver regular coaching sessions across the team to improve credit underwriting expertise, skills and performance Fosters continuous learning and career development. Conducts QA checks, contributes to QA strategy, ensures regulatory compliance; acts as liaison with 2nd line risk and compliance. Review and provide remediation assistance on problem accounts relating to internal (e.g. service/collections) or external (AFCA, ASIC) requests Ensure all decisions for the team and themselves are executed in accordance with Delegated Authority Matrix Uses data analytics for QA improvements and monitoring team performance. Partners closely with Executive Manager, Credit Operations, Lead Analyst, People Managers, Credit Ops, and technical specialists; Supports in strategic initiatives; contributes to a hub of lending excellence. Key Stakeholders Credit Operations Retail Operations Credit Risk & Financial Crime Commercial (Sales) Compliance Commercial Partners Qualifications Bachelor’s degree in finance, accounting, economics, or related field, preferred but not essential. Experiences Considerable Credit/Lending/Underwriting Experience Experience in quality assurance, performance coaching, or team leadership roles, preferred Strong understanding of credit principles, risk & financial analysis, and industry regulations Strong proven analytical abilities and problem-solving skills Ability to lead training sessions and workshops for diverse learning styles High attention to detail with the ability to evaluate underwriting quality against established standards Proficient in MS Office Suite (Excel, Word, PowerPoint Demonstrated ability to lead and develop a team Employee Benefits We have a long list of benefits to suit your needs. On the clock, and off it. Here are a few favourites. B irthday leave: Enjoy a day off on your birthday, because you deserve it. Health and wellbeing leave: Take some well-deserved ‘me’ time, because your health comes first. Volunteering day: Make an impact with a day dedicated to giving back to the causes you care about. $500 ergonomic equipment reimbursement: Invest in comfort and productivity with support tailored to your work setup. Recruitment referral program: We want to find and hire the best talent in the market, and we want to reward you with a payment of up to $5,000 for helping us identify and personally endorse high-calibre candidates you believe would be a great fit to come and work for us. Employee rate program: When you’re part of the Angle Auto Finance team, you’ll gain access to our best auto finance rates with your next car purchase—just another way we’ve got your back. Paid parental leave: Be there for life’s most important moments with time to support your growing family. SPARK: The employee benefits program that gives you everything from discounts to wellbeing support. Purchased annual leave: Gain extra flexibility by purchasing additional leave. Diversity flex leave: Our people have the flexibility to observe culturally significant days by choosing an alternate day that better aligns with their cultural values. We'd love to hear from you Select the 'Apply' button above to send your resume through to the Talent Acquisition team. Angle Auto Finance is committed to attracting, retaining and strengthening the performance of a diverse, equitable and inclusive workforce. It is our commitment to ensure equal employment opportunities without discrimination or exclusion on the basis of cultural heritage, colour, religion, citizenship status, age, sex, sexual orientation, gender identity, or expression, marital or domestic/civil partnership status, disability, veteran status, genetic information or any other basis protected by law.
