Senior Credit Approver(MACC & Car Loans)

Senior Credit Approver (MACC & Car Loans)Senior Credit Approver role at Auto Swift.About Auto SwiftAuto Swift is an Australian fintech lender focused on autorelated consumer credit, including Medium Amount Consumer Credit (MACC) and car loans. We are part of a global automotive finance group with deep experience in nonbank auto lending across multiple markets. While AutoSwift operates independently in Australia, we benefit from the broader group''s experience, technology capability, and longterm commitment to the auto finance sector. We are an earlystage team in Australia, building a compliant, scalable lending platform from the ground up.About the RoleWe are seeking an experienced Senior Credit Approver to play a handson role in assessing and approving consumer credit applications.This is a decisionmaking role, not a policyonly or backoffice position. You will approve loans daytoday while helping shape credit processes, controls, and operating standards as the business grows. Over time, the role will expand to include mentoring and oversight of junior analysts.What You''ll Be Working OnAssessing, recommending, and approving consumer credit applications in line with credit policy and delegated authorityApplying sound judgement across affordability, income, expenses, and risk assessmentOperating in a systemdriven environment (Biz Core or similar LOS/LMS) to manage workflow, capture decisions, and maintain audit trailsSupporting calibration of decision rules, checklists, and automation logic as volumes increaseIdentifying process gaps, inefficiencies, and proposing practical improvementsParticipating in file audits, compliance reviews and control checksSupporting onboarding and training of junior credit analysts as the team growsWorking closely with marketing, product, operations, finance, and collections teamsEnsuring compliance with Credit Policy, NCCP, AML/CTF, Privacy Act, and other relevant regulationsMaintaining strong turnaround times while keeping file quality and documentation standards highWhat We''re Looking ForProven experience as a credit approver or senior credit assessor in nonbank lending, secured consumer credit and auto finance.Comfortable assessing nearprime and subprime customersStrong understanding of Australian consumer credit and responsible lending requirementsSound credit judgement with a consistent, defensible decisionmaking approachStrong time management and organisational skillsComfortable working in an earlystage environment where processes are still evolvingExperience with LOS/LMS platforms (Biz Core experience a plus, but not required)What''s in It for YouA supportive, approachable team culture with direct access to decisionmakersThe opportunity to help build a regulated lending business from the ground upA clear pathway to a leadership role, including building and managing a team of credit analystsExposure to frontier credit platforms and automation toolsCompetitive remuneration and benefits, including flexible WFH arrangementsOpportunities to crosstrain and gain exposure to other areas of the businessWork alongside a driven, globally experienced team focused on execution and results not bureaucracyJob DetailsSeniority level: MidSenior levelEmployment type: FulltimeJob function: Finance and Sales #J-18808-Ljbffr

Created: 2026-03-15