Total 39 job vacancies by Shift

As a Credit Officer in Shift’s Micro Business team you will primarily be responsible for assessing businesses with annual turnover of under $1.5million p.a. against Shifts policies and guidelines whilst delivering excellent customer service.

The ideal candidate will possess attention to detail, and the ability to thrive in a fast-paced environment. You will do this with a solution-oriented focus and methodical process whilst operating with a sense of urgency while working in a supportive team environment. 

This position offers a valuable opportunity to development in the field of credit analysis. We are looking for a dedicated individual who is eager to learn and contribute to the company’s success. If this sounds like you, please reach out.

This is a senior level role in our specialist credit function. This may suit an underwriter from a banking environment with experience in large exposures (and/or asset finance). 

You'll be responsible for evaluating, structuring and documentation of revolving facilities in cash flow & equipment finance applications. As part of the credit risk evaluation process, you'll be reviewing financial statements and cash flow projections as well as other forms of due diligence. 

As a senior member of the team, you'll need to be a skilled negotiator as you agree loan terms with our customers. You'll be responsible for structuring loans and well as monitoring the performance throughout the life of the loan.

Join our dynamic team as a Credit Structuring Specialist, where you’ll play a pivotal role in transforming challenges into opportunities! In this exciting position, you’ll engage directly with borrowers, assessing their unique situations and crafting tailored solutions to restructure distressed loans. Your expertise will not only help improve our financial outcomes but also make a real difference in the lives of our clients. If you are passionate about negotiation and problem-solving, this is your chance to shine and drive meaningful change in our lending strategy!

What you’ll do: 

• Identify restructuring/workout candidates based on pre-agreed criteria.
• Analyse flagged restructuring opportunities with borrowers to assess borrower outlook and opportunities for improving Probability of Default (PD) and Loss Given Default (LGD)
• Recommend strategies for credit approval
• Negotiate exposure restructuring
• Document revised commercial agreements.
• Monitor portfolio segments - Watchlist and Restructured Loans
• Reporting

As a Data Scientist - Classifications Model Specialist at Shift, you will play a pivotal role in maintaining and evolving our classification models. You’ll be responsible for ensuring their continued success through performance monitoring, updates, and collaboration across teams. Your work will directly impact how we leverage data to drive business decisions and optimise our systems.

What you’ll do: 

• Maintain and enhance the performance of classification models through regular updates and monitoring.
• Support updates to model architecture, training sets, and model validation.
• Build and implement monitoring capabilities to effectively track model health.
• Develop and document processes to ensure smooth and consistent operations.
• Collaborate with data science, engineering, and operational teams to align on classification needs and improvements.   

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.

We currently have a new opportunity for a Senior Software Engineer to join our team. In this role, you will be responsible for designing, developing, and maintaining high quality software products and solutions that support our business operations.

You will work closely with cross-functional teams to identify and prioritise technical solutions and product enhancements. You will help to drive and deliver the continued development of those technical solutions from concept to launch.

What you’ll do: 

• Design, build, and deploy cutting-edge full stack web applications that push the boundaries of technology.
• Work closely with a dynamic technical team to launch exciting new features and maintain application quality.
• Transform stunning designs into functional visual elements while ensuring code integrity and security.
• Thrive in an Agile environment, continuously learning and applying new skills to drive success.

Make your mark

As the first point of contact for any inbound calls to the Shift business, you will partner with Shift customers to deliver on their needs through the taking of inbound calls, problem solving of client queries, and the effective onboarding of Shift customers to our platforms. You will have supportive management who will help develop your skills with regular catch ups, career development programs and annual reviews while you thrive in a fast-paced sales environment.

This role will give you the opportunity to focus on understanding each customers needs, delivering the best solution for their situation, and ultimately provide great Customer Service.

How you will make a difference

• You manage all inbound calls and emails from business owners, brokers and customers regarding the platform and general enquiries.
• Assess customer needs/ problems and refer/ recommend the right product 
• Support the sales lifecycle from initial inquiry through to implementation and follow up. 
• You will provide solutions to enquiries through your problem-solving skills and provide excellent customer service.
• You will assist with the onboarding of new customers to the shift platform and divert calls to the appropriate department where necessary.
• Undertaking market research on competitor products and market changes
• Following up with customers to seek feedback and ensure a positive end to end experience
• Providing reporting and analysis support to leadership

Shift is seeking an experienced Events & Sponsorship Manager to join the Marketing Team as part of the brand function. The ideal candidate will be responsible for delivering an elevated events experience for both external and internal events. This includes events for Shift’s partner-led channels (brokers, merchants and other industry partners), Shift’s internal channels (Strategy Week, shareholder briefings and offsites) and coordinating sponsorship activities with key industry bodies. With a strong focus on increasing brand awareness, engagement, and acquisition.  

Process Responsibilities

• Own and enforce effective change management for all payments-related processes, including financial crime prevention, integrity validations, and reporting.
• Maintain a well-governed process directory to enhance operational efficiency.
• Ensure compliance with payments industry SLAs.
• Ensure adherence to AML/CTF reporting obligations.
• Accountable for the execution of operational risk controls.
• Oversee the timely execution of manual payments processes.
• Ensure accuracy in end-of-day processes and confirmation of payment settlements.
• Resolve or escalate payments-related incidents in collaboration with the Payments Delivery Team.

Other

• Initially, play a key role in shaping the newly established Payment’s function within the organisation.
• As a greenfield team, you will work closely with the Payments Delivery Team to help define and communicate the needs and priorities of Payments Operations, establishing a strong foundation for this function.

We are seeking a skilled and experienced Business Analyst to join our team and play a pivotal role in building the origination experience across our platforms. As a Business Analyst you will work closely with cross-functional teams including product managers, developers, and stakeholders to drive product and customer initiatives within our Originations tribe. This role will allow you to use your problem solving and analytical skills to deliver exceptional experiences for our customers.

• Lead discovery sessions with stakeholders to understand business requirements and translate them into detailed user stories and acceptance criteria. 
• Evaluate existing business processes and identify opportunities for improvement to increase efficiency and productivity. 
• Perform data analysis to identify trends, patterns, and insights that inform decision-making processes. 
• Create clear and comprehensive business and functional requirement documents, process flows, and user stories. 
• Collaborate closely with scrum teams to ensure seamless delivery of initiatives, using agile practices to prioritise, build, release and iterate on product features.  
• Analyse and document existing customer experiences, identify inefficiencies, and recommend improvements. 
• Work collaboratively with the broader product delivery teams to shape and implement product releases. 
• Investigate issues and effectively communicate the resolution to stakeholders. 
• Conduct testing and validate platform features to ensure they meet technical and business requirements. 
• Develop training materials and conduct training sessions for end-users when required. 
• Support the Product Manager to manage the backlog to ensure it follows the product roadmap and strategy. 

Are you an experienced leader with a passion for driving team performance and developing talent? We’re looking for a Collections Team Leader to manage and coach a team of collection officers, ensuring high engagement, performance, and capability. In this role, you’ll be responsible for the day-to-day management of your team, ensuring they meet organisational goals, handle escalations effectively, and contribute to continuous improvement initiatives. This is a great opportunity to lead a motivated team and play a key role in strengthening our credit control management framework.

What you'll do: 

• Lead, coach, and develop a team of collection officers to ensure high performance and engagement.
• Drive team results, achieving KPIs and maintaining quality service standards.
• Serve as the point of contact for collections-related queries and escalations.
• Allocate work, ensuring the portfolio is up to date and performance standards are met.
• Support the implementation of new initiatives and continuous improvement projects.
• Ensure compliance with regulatory requirements and best practices.
• Collaborate with other departments to address challenges and improve operations.
• Oversee account progression to ensure timely actions, including legal proceedings or repossession.

We currently have a new opportunity for a Senior Software Engineer to join our team. In this role, you will be responsible for designing, developing, and maintaining high quality software products and solutions that support our business operations.

You will work closely with cross-functional teams to identify and prioritise technical solutions and product enhancements. You will help to drive and deliver the continued development of those technical solutions from concept to launch.

What you’ll do: 

• Design, build, and deploy cutting-edge full stack web applications that push the boundaries of technology.
• Work closely with a dynamic technical team to launch exciting new features and maintain application quality.
• Transform stunning designs into functional visual elements while ensuring code integrity and security.
• Thrive in an Agile environment, continuously learning and applying new skills to drive success.

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 Collections Officer, you will focus on managing overdue accounts through direct communication with customers. Your primary responsibilities will include making outbound calls and handling inbound inquiries to negotiate payment arrangements, address customer concerns, and manage account status updates.

What you’ll do: 

• Manage your own portfolio of accounts by making outbound calls and responding to inbound inquiries to negotiate payment plans and resolve account issues.
• Work with customers to agree on feasible payment plans that aim to bring overdue accounts back into good standing.
• Assess accounts for potential caveats and manage related administrative tasks.
• Handle financial hardship cases, including assessing Statements of Financial Position and providing suitable solutions.
• Maintain and update accurate records of customer interactions, payment arrangements, and account statuses.
• Monitor and follow up on payment promises to ensure compliance and timely resolution of overdue accounts.
• Address customer concerns and provide clear explanations of payment options and account status.
• Identify and report any issues or challenges to the Collections Manager

We are seeking a highly skilled QA Automation Lead to join our team in Sydney. In this role, you will be responsible for performing the testing of Finance products which involves Test Planning, Execution, Automation, Regression and Production verification to ensure all the business product’s quality requirements are met. You will work closely with cross-functional teams to identify and prioritise the requirements of the products, and you will lead the quality driven testing across the business.

What you’ll do: 

• Enable the team to ensure delivery of high quality products through contribution to the development and implementation of a comprehensive quality strategy for the platform and services the team is responsible for.
• Provide guidance and mentorship across the team on matters related to testing practice and approach
• Collaborate with cross-functional teams to identify and prioritise test requirements, and to ensure that all features and changes are thoroughly tested and meet quality standards
• Create and maintain test plans, test cases, test scenarios, and test scripts to ensure the platform and services are thoroughly tested and meet the expectations of our users and the business
• Design, development, implementation and maintenance of a test automation suite integrated with the team’s CI/CD pipeline for the purpose of supporting a continuous quality approach
• Identify, triage, manage and track defects, working with Stakeholders, Product Managers, Developers and Software Engineers to ensure they are resolved effectively
• Participate in the planning, guidance and execution of user acceptance testing and other testing activities
• Remain up-to-date with industry best practice and trends in QA and testing, leading the testing activities and continuous improvements in process within the team

We are seeking a skilled and experienced Business Analyst to join our team and play a pivotal role in building the future of payments within our business. As a Business Analyst, you will work closely with cross-functional teams, including product managers, developers, and stakeholders, to design and implement cutting-edge payment solutions that meet the evolving needs of our clients. 

What you’ll do: 

• Lead discovery sessions with stakeholders to understand business requirements and translate them into detailed technical specifications. 
• Help identify risks, impacts and dependencies amongst processes and cross-functional teams. 
• Leverage your in-depth knowledge of the Australian payments landscape to analyse and document existing payment processes, identify inefficiencies, and recommend improvements to streamline operations and enhance customer experience. 
• Act as a liaison between technical teams and business stakeholders, ensuring clear communication and alignment on project goals and deliverables. 
• Develop test plans, conduct testing, and validate payment solutions to ensure they meet requirements.  
• Ensure payment solutions comply with relevant regulations and standards within the Australian financial services sector.      

In this role you will play a key role in ensuring our clients and their business loans are well serviced and fully supported.

You will use your strong operational, administration and communication skills to improve the customer experience in a fast-paced, high-growth business. In this role, you will have the opportunity to work with a diverse and talented team and will help ensure our clients Settlements expectations are met, managed and delivered upon.

How you will make a difference

• Arrange the disbursal & collection of loans via the company’s Loan Mgmt System.

• Ensure all incoming documents are in line with compliance requirements.

• Verify information as per company & banking policy prior to final settlement.

• Communicating directly with clients, suppliers, vendors, other internal teams & external partners.

• Completing reconciliations as required.

• Maintain, manage, & update settlement data.

• Ensuring the company adheres to AML, CTF & internal risk requirements.

Make your mark

We are looking for an experienced Team Leader to run the Settlements Team at Shift. In this role you will be responsible for managing a team of Settlement Officers. This is a great opportunity for someone who wants to join an organisation as a Team Leader, make a difference and be a part of a growing company. This role will involve building and maintaining working relationships across the business and externally.

How you will make a difference

• Overseeing the disbursal and collection of loans via the company’s Loan Management System.
• Leadership of a team of 4 x settlements officers
• Ensure reporting is performed in accordance with pre-established time frames and agreed SLA’s
• Overseeing of all compliance and governance requirements by ensuring all incoming documents are in line with compliance requirements
• Verify information as per company and banking policy prior to final settlement.
• Escalation points for internal and external stakeholders and communicating with clients, suppliers, vendors, other internal teams and external partners.
• Business process improvement recommendations and implementation
• Monitor, Maintain and update settlement data including policy documentation.
• Ensuring the company adheres to AML, CTF and internal risk policies and procedure

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.

As the Product Designer for the In Life tribe, you'll play a pivotal role in enhancing the experiences of our existing Shift customers and collaborating closely with internal teams.

You will own every aspect of design for the In Life tribe, from helping to identify, prioritise and unpack opportunities to shipping pixel-perfect user interfaces that are robust, and best-in-class where differentiation is important.

What you'll do: 

• Lead end-to-end design processes from discovery to execution, ensuring seamless integration across platforms
• Work closely with stakeholders across the business to define and refine user experiences that meet business objectives
• Map out front-to-back customer journeys and task flows
• Design & prototype intuitive user interfaces
• Talk to our customers to understand their needs and pain points
• Utilise customer insights to drive design decisions and identify growth opportunities.
• Help grow and maintain our design system
• Be an advocate for Product Design by sharing your work regularly, promoting best practices, and building strong relationships with your stakeholders