In this role you will be responsible for the credit performance of Shift’s Trade product against predefined KPIs.  The role encompasses owning credit decisioning models, portfolio management and monitoring the end-to-end operational performance of the business for factors that influence the credit performance of the product portfolio. 

• Own the credit performance of Shift’s Trade product from origination through to recovery ensuring the portfolio grows in line with Shift’s expectations of credit loss. This will involve taking ownership of origination models, customer account monitoring and analysis for of platform and processes for factors that are influencing credit performance. 

• Provide recommendations for changes to the models, credit policy and underwriting guidelines.  

• Serve as a member of the Trade management team, responsible for reporting on the credit performance and its influencing factors to the broader group  

• Ensure portfolio is optimised by ensuring exposure to low risk grade customers is increase whilst reduced to those that deteriorate . 

• Provide performance reporting to 2nd Line Risk responding appropriately to any queries 

Are you an innovative product manager with a passion for incubating new ideas and driving them to market? Shift is looking for a Product Manager to spearhead the launch of new products and manage their growth until they reach scale. As part of our dynamic team, you'll have the opportunity to bring fresh products to life, test market hypotheses, and help shape the future of our product offerings.

What you'll do: 

• Manage 2-3 new products simultaneously, overseeing all stages of the product lifecycle from market research to scaling.
• Identify and define new target markets and serviceable segments for product opportunities.
• Develop a strong market thesis, clearly articulating what Shift can offer SMEs that current solutions don’t.
• Design initial product concepts and organisational structures to maximize the chances of success while managing acceptable levels of risk.
• Translate product ideas into detailed, actionable requirements, ensuring smooth execution from concept to market launch.
• Coordinate necessary organisational changes (e.g., hiring, team expansion, systems updates) to support product launches and ensure the right resources are in place.
• Work closely with cross-functional teams to execute on the product vision, driving alignment between product, design, development, and operations.
• Iterate quickly on product features and design to achieve Product-Market Fit, testing and refining the product based on customer feedback.
• Continuously improve the product, incorporating insights from customer usage, market trends, and competitor analysis to optimize the market fit.
• Make data-driven decisions on whether to scale the product as a core offering or exit the market if the product fails to gain traction.
• Ensure regular communication with stakeholders to provide updates on progress, iterations, and strategic decisions.

As a Senior Collections Officer, you will negotiate payment plans, manage overdue accounts, assess for legal escalation, and handle financial hardship cases. You’ll also oversee accounts in liquidation or bankruptcy, address escalations, and maintain compliance with debt collection laws while collaborating with the team.

What you will be doing:

• Work directly with customers to negotiate affordable and sustainable payment arrangements that aim to bring overdue accounts back into good standing.
• Employ skip tracing techniques and tools to locate customers
• Conduct thorough reviews of accounts, analysing payment histories, previous collection efforts, and current financial status to determine the best course of action for recovery.
• Assess when accounts should be escalated to external solicitors or collection agencies for legal action. Prepare and present supporting documentation, including payment history, due diligence, and any efforts made to resolve the debt before escalation.
• Evaluate and manage financial hardship cases, conducting Statements of Financial Position and determining the best solutions for both the customer and the business.
• Handle administrative tasks related to accounts under liquidation or bankruptcy
• Be the first point of contact for escalated cases, resolving complex or sensitive customer issues with professionalism and expertise.
• Collaborate effectively with team members to provide guidance on challenging accounts.
• Maintain accurate and detailed records of customer interactions, payment plans, and legal processes. Regularly report on account statuses, escalations, and recovery progress to the Collections Manager and Head of Collections.
• Stay informed of relevant laws and regulations related to debt collection, bankruptcy, and financial hardship to ensure all actions comply with industry standards.

As a Staff Software Engineer, you will play a key role in designing and implementing complex software solutions. You will collaborate with cross-functional teams, mentor junior engineers, and drive architectural decisions to enhance our products and services.

What you’ll do: 

• Design, craft, and maintain software applications using our core development languages C# (.Net) and JavaScript / TypeScript (ReactJS)

• Supporting the team to plan and prioritise work in agile Sprints

• Support and contribute to software architecture and solution design

• Collaborate with cross-functional teams to identify and prioritise technical solutions

• Lead and assist with planning the development of technical solutions from concept to launch

• Ensuring the team's SLOs are being monitored and met

• Stay up-to-date with industry best practices and emerging technologies

We are looking for a highly motivated and detail-oriented Financial Accountant to join our forward-thinking team. In this role, you'll be responsible for delivering accurate financial reporting, contributing to process improvements, and providing insights that support the growth and success of the company.

What You’ll Do:

• Prepare and deliver timely, accurate financial reports, overseeing month-end processes with a focus on reconciliations and accounting standards.
• Monitor and analyse revenue and cost centres, offering insights into variances and trends.
• Assist with the preparation of management accounts and board packs, contributing relevant commentary on performance, trends, and budget comparisons.
• Support cash flow forecasting and treasury-related reporting.
• Contribute to process improvements, including automation of data entry and assisting in the design of internal controls to improve efficiency.
• Assist with the preparation of statutory financial statements and external reporting obligations (AFSL, APRA, BAS, FBT).
• Support external audits and collaborate with auditors.
• Participate in ad hoc project tasks as required.

The new Finance Manager role reports directly to the Finance Director, offering a unique opportunity to join a well-established and growth-focused fintech firm.

We are seeking an energetic team player with a strong commercial mindset, capable of actively contributing to our expanding expertise in financial controllership and analytical capabilities. This pivotal role will play a crucial part in driving our financial strategy forward, ensuring robust financial controls and providing insightful analysis to support our continued growth and success.

What you'll do: 

• Managing and providing leadership to the finance team, ensuring smooth operations and fostering a collaborative work environment.
• Overseeing the monthly management reporting process, including month-end reconciliations, financial consolidation, variance analysis, and preparation of board reports.
• Assisting in the annual budgeting process and long-term strategic planning, as well as periodic re-forecasting to support business decision-making.
• Providing insightful commentary and detailed reporting to stakeholders, including equity investors and sophisticated debt providers.
• Leading the preparation of statutory audited financial statements, tax returns, BAS, FBT, and R&D claims.
• Conducting ad hoc financial analysis to support strategic initiatives and operational efficiencies.