Credit Acquisition & Policy Manager

Who are we?

Capricorn Society is a Member-based financial services organisation which exists to improve the lives of over 29,000 Members across Australia and New Zealand by supporting them in building stronger automotive businesses. We provide products and services including trade credit, risk protection, equipment finance, trade events, travel services, fuel cards and more. Last financial year, our Member purchases exceeded $3 billion.

A great place to work

When you join Capricorn, you become a part of something bigger than a typical company, because as a co-operative we exist to improve the lives of our Members by supporting them in building stronger businesses – not the other way around.

We are purpose-led and are committed to empowering our community to thrive. Our community includes our employees, and we know what is important to them, because we asked! And here are our commitments to you:

• Provide a diverse and inclusive workplace – because we know how important it is for everyone to be treated fairly and with respect.

• Give you flexibility – it’s important to recognise we are all unique and need to create work life balance.

• Offer paid parental leave – that supports both parents’ leave and their transition back to work.

• Create a fun environment – our social calendar is full up with a range of different virtual and face-to-face events to keep us connected.

• Work perks – that our employees actually use, such as a fantastic reward and recognition program, wellness program, additional leave purchase and so much more!

Role Summary

The Credit Acquisition & Policy Manager is responsible for the design and implementation of credit acquisition strategy and policy framework across Credit lifecycle. The role is responsible for building and enabling acquisition strategy for new and existing markets. Develop, maintain and continuously improve credit policies that align with the company’s risk appetite and strategic objectives while ensuring compliance with regulatory requirements. Ensure that the Credit procedures support the intent of the risk frameworks to drive sustainable growth, strengthen Member relationships and protect Capricorns margins and profits, while minimizing exposure to bad debt and maintaining an acceptable level of risk.

Knowledge & Skills

• Excellent people management skills with a proven track record of effective leadership

• Demonstrate flexibility and ability to effectively deliver and manage change

• Proven experience in effective credit risk management and lending policies, regulations and procedures

• Experience in various analytics tools such as SAS.

• Comprehensive understanding of the end-to-end lending process and experience in reading and interpreting financial reports and related searches

• Demonstrated knowledge of financial analysis, collateral valuation, appraisal procedures, and documentation

• Well developed negotiations skills and ability to analyse data

• A keen desire and ability to review and implement process improvements and to establish a culture of continuous improvement

• Strong communication skills including the ability to establish and manage positive relationships with staff, colleagues, key stakeholders and Members

The next steps

If you think you are the right person for this role, please apply now! Applications will be reviewed as they arrive, so it is better to apply sooner rather than later.

For further information, support with your application and detail on Capricorn, please visit our website at www.capricorn.coop/careers