Our client’s success is our success. And you make it happen!

Payment systems are complex, regulated and everchanging. We are an established market leading brand who are focused on driving client growth. We’re at the forefront of innovation punching above our weight. We’re enabling the future for our clients through technology like New Payments Platform (NPP) and Open Banking.   

 We are an unlisted public company and one of five licensed banks in Australia with full direct connectivity and production capability across all domestic payment systems. Whilst the major banks leverage this capability for their consumer and business clients, our B2B model focuses on enabling other banks, fintech’s and corporates to deliver innovative and competitive payment and digital solutions to their clients and customers.  

We are looking for a Credit Risk Manager 

Reporting into the Head of Credit Risk, the main responsibility of this role is to aid in the management of Cuscal’s credit risk in accordance with prudential standards and Board policy to minimise the potential for loss. 

The Credit Risk Manager will conduct monitoring and management of Cuscal’s credit risk on a portfolio of counterparty exposures. This includes the preparation and process of applications from financial institutions and other potential borrowers/counterparties for approval, by carrying out necessary credit, liquidity and other assessments in line with the documented procedures.    

The role responsibilities sit across four key areas: 

Credit Risk Management 

• Management of credit risk on a selected portfolio of ADIs and corporate exposures.   

• Ongoing monitoring of counterparties' credit and liquidity worthiness and their latest development via all available means such as periodic financial updates and covenant, limit excess or watch list reporting. 

• Identification of emerging credit/counterparty risks and providing these results, including the completion sector papers as required, to key internal stakeholders for consideration. 

Credit Evaluation & Decision Making 

• Preparation and processing of detailed credit submissions for all committed and uncommitted facility applications and annual reviews on designated counterparties for approval by delegated authorities in accordance with Cuscal’s policies.  

• Provision of timely credit decisions for all permanent and transactional credit requests as per delegated authorities. 

• Provide insights and recommendations for ongoing improvement to existing credit risk related policies and procedures and their implementation. 

Client & Stakeholder Engagement 

• Where applicable, meet with new and prospective clients for credit risk related matters. 

• Providing information, training, advice and tools to the first line of defence to assist them to identify, manage and monitor risks.   

• Assist with completing credit risk related remediation actions. 

Reporting 

• Maintain complete and accurate counterparty records in all risk management system and database on the designated portfolio.   

• Assist in the preparation of reports for submission to ALCO and the Board Risk Committee and any other committees as required. 

About You  

This is a crucial position within Cuscal and requires the ideal candidate to have extensive credit experience covering financial institutions and corporates and a sound understanding of credit analysis techniques.  

As the successful candidate we invite you to also have:  

• Good general knowledge of the APRA prudential standards, particularly those applicable to ADIs   

• Familiarity with lending practices and products  

• Comprehensive understanding of credit scoring models and rating agencies   

• Ability to read and understand balance sheets, profit & loss, cash flow statements and other financial reports.  

• You are a natural collaborator and your ability to influence action and outcomes across cross functional groups   

• Analytical and critical thinking mindset  

• Self-assured in providing accurate results in a tight deadline driven environment.   

• Tertiary education in an accounting discipline or similar field. 

About the role:

The Ignition Key Accounts team helps accountants, bookkeepers and their clients transform the way they work together, and are responsible for driving Ignition’s long-term revenue expansion and customer retention.

The typical Key Account Manager is a person who knows that you win by building a trusting relationship. Our team motto is “win the keys to the office”; Your customers value your input and expertise so much that they’d be willing to give you a key to their office.

As a Key Account Manager, you are responsible for guiding our customers through their journey as soon as they purchase Ignition. From supporting them through their roll-out plan, providing expertise on the professional services business model, to ensuring they are aware of the best practices they can apply to their own account, you will be the face of Ignition for the customer, and the expert they value the most. You always aim to deliver an exceptional customer experience while using the tools available to you to know when to engage and when to leave them to their own devices. 

You will aim to drive Ignition’s expansion revenue primarily through the adoption of our payment solution. You’ll look for opportunities within your customer portfolio to increase their attach rate. Equally, you’ll be tuned into the risks and take all the steps necessary to retain happy customers that are achieving their expected ROI.

What your day to day will look like:

• Proactively manage and grow a large portfolio of assigned customers.
• Build strong relationships with every single customer to help them complete their roll-out plan, achieve their expected ROI while increasing the potential for additional referrals
• Achieve new customer activation targets to ensure our most recently onboarded customers have an incredible first-experience with a speedy time to value. 
• Achieve monthly and annual payment volume targets while maintaining a customer-centric mindset.
• Identify areas of opportunity and/or concern based on usage patterns, research, and our customer maturity index.
• Serve as a cloud technology subject matter expert advising our customers of industry best practices for their sales process, onboarding, billing and payment collection, and renewal processes.
• Help build and deliver scaled content that helps support our customers’ journey. Create and host webinars, collaborate on articles and other educational materials that help deliver a scalable customer experience.
• Maintain, build, and grow collaborative relationships with our larger customers and partners. Lean on these relationships for webinars, seasonal campaigns, and case studies.
• Be the voice of the customer, provide customer insights to our product, marketing and sales team. You’ll be highlighting key points of innovation and improvements that will enhance the user experience, capabilities, features, and customer engagement processes that ensure rapid adoption, usage velocity, high renewal, and referral rates.
• Work with your fellow Key Account Managers globally, to identify and implement improvements to processes, documents, tools, and reports to benefit the team and clients.
• Attend trade shows and events where you’ll meet existing customers and potential customers.