About Us
Rapid Loans is a long-standing non-bank lender helping Australians access fast, fair, and responsible personal loans. As we scale our lending operations and strengthen our risk and credit governance, we’re seeking a Credit Manager to lead the credit function across policy, operations, and portfolio performance.

Your Role
As our Credit Manager, you’ll have end-to-end accountability of credit operations, and oversight. You’ll be responsible for setting and maintaining credit policies, leading the credit team, and ensuring credit quality and regulatory compliance across all stages of the loan lifecycle. You will also provide strategic insights to the executive team, senior leadership team and board on credit performance, emerging risks, and opportunities to optimise decisioning.

Key Responsibilities

• Lead the credit assessment and approval function across personal loan products

• Continuously improve credit policies, frameworks, and decisioning criteria based on data

• Provide leadership, coaching, and oversight to the credit assessment team

• Approve escalated or complex applications beyond delegated credit authority

• Collaborate with product and tech teams to improve automation, affordability rules, and scorecard logic

• Monitor portfolio performance and provide regular reporting on credit quality, arrears, and approval trends

• Identify credit risk trends early and take proactive measures to recommend adjustments to policy or strategy

• Work with Compliance and Legal to ensure alignment with ASIC, AUSTRAC, and NCCP obligations

• Represent the credit function in board or leadership meetings and contribute to strategic business planning

• Partner with Sales, Collections and Risk on end-to-end credit cycle improvements, including hardship and loss mitigation strategies

What You Bring

• 4+ years of experience in consumer & commercial lending, including at least 2 years in a senior or leadership credit role

• Deep understanding of responsible lending obligations and Australian regulatory frameworks

• Proven ability to lead teams, manage senior-level credit escalations, and implement scalable processes

• Strong commercial acumen and understanding of the balance between credit risk and growth

• Experience with credit analytics, portfolio performance reporting, and credit automation tools

• High attention to detail with a data-driven and improvement-focused mindset

• Exceptional communication skills, with the ability to present to exec teams or boards

What We Offer

• Leadership role in a fast-growing digital lending business

• Direct influence on credit strategy, policy, and technology enablement

• Collaborative team environment with strong growth and investment outlook

• Amazing office location in the Gold Coast