We're Hiring: Credit Manager – Asset & Consumer Finance!

Looking for a role that fosters collaboration, creativity and career growth in a vibrant office environment We got you covered!

We are currently on the lookout for a Credit Manager – Asset & Consumer Finance join our team at Cloudstaff, the #1 workplace everywhere! Think you qualify for the role Attach a 1-2 minute video intro and introduce yourself to us so we can meet you virtually. Attach this together with your updated CV to become a priority applicant!

Role: Credit Manager – Asset & Consumer Finance

Work Arrangement: Work From Office

Location: Philippines - Pampanga (Angeles) / Ortigas

Schedule: Morning shift

Job description:

Key Responsibilities

Assess and approve asset finance and consumer loan applications in line with lender policies and internal risk frameworks
Analyse and interpret:
Bank statements (cash flow & conduct analysis)
Credit reports including illion and Equifax
Payslips, employment verification, and income consistency
Personal and business tax returns
Conduct serviceability calculations for consumer lending scenarios
Structure deals to align with lender appetite and maximise approval outcomes
Identify risks and escalate complex scenarios where required
Maintain strong turnaround times in a high-paced environment
Oversee, train, and manage the offshore credit team, ensuring accuracy and efficiency
Implement and maintain credit assessment processes and quality controls
Liaise with lenders, and internal stakeholders to drive outcomes
Report on credit performance, pipeline, and team productivity to Australian management

Qualification and requirements:

Minimum 5 years experience in the Australian finance industry
(Brokerage, non-bank lender, or asset finance company preferred)
Strong experience in both:
Asset finance (commercial & equipment)
Consumer lending (secured & unsecured)
Proven ability to:
Read and analyse bank statements and financial documents
Interpret illion and Equifax credit reports
Assess payslips and tax returns
Perform accurate loan servicing calculations
Experience working in a high-volume, fast-paced credit environment
Strong understanding of Australian lending policies and compliance requirements
Leadership experience managing or mentoring junior/offshore staff (preferred)
Excellent attention to detail and decision-making capability

Key Attributes

Highly organized with the ability to prioritise and manage workflow under pressure
Commercially minded with strong credit judgment
Proactive and solutions-focused
Strong communication skills across internal and external stakeholders
Ability to balance speed and accuracy in credit decisioning

What Success Looks Like

Consistent delivery of high-quality credit decisions
Efficient management of application turnaround times
Strong performance and development of the offshore credit team
Positive feedback from brokers and stakeholders
Contribution to business growth through effective deal structuring

Non-negotiable skills & requirements:

Minimum 5 years experience in the Australian finance industry
(Brokerage, non-bank lender, or asset finance company preferred)

Strong experience:

Asset finance (commercial & equipment)
Consumer lending (secured & unsecured)
Equifax
Illion

Perks & Benefits:

Comprehensive health and life insurance on your 16th day of employment, covering 1 free dependent on the 16th day of employment
Flexible leave credits which may be used for vacation, emergency and sick leaves
Superb and exciting Mid-Year Parties – with items to give away and cash prizes!
Endless opportunities for career advancement
Exclusive ATM inside the office for employee's convenience
Annual Performance Review with Salary Increase
We set you up for success with a company-provided PC/Laptop and fiber internet connection
Look forward to weekly office perks for work from office staff – Free Coffee, Meals and Beer Fridays!
Top notch workplace with first class VIP lounge and game rooms
Child friendly spaces to cater to the needs of employees with children, enhancing work-life balance
Participate and join our CS Social Clubs and Special Interest Groups to connect with colleagues
International career growth and connections
Unlimited cash incentives for hired referrals
Mental Wellness Employee Assistance program through Lifeworks
In-house psychiatrist available to support employees well-being
Become part of the Employee Share Units program
Cloudstaff Dream Points - To be used for bidding useful items like appliances, kitchenettes etc.

Cloudstaff : Build Your Career, Anywhere

Established in 2005, Cloudstaff is a leading outsourcing company that empowers businesses to thrive through smarter talent solutions. We're passionate about creating a work environment that fosters your professional growth and overall well-being.

Why Cloudstaff is the #1 Workplace

Award-winning Culture: We're committed to building the #1 Workplace Everywhere, with a proven track record of staff engagement initiatives and industry recognition
Invest in You: We support your development through comprehensive training programs, mentoring and opportunities for career advancement
Thrive as an Individual: We offer a strong work-life balance with flexible schedules, meaningful perks and a collaborative team environment.

**To become a priority applicant, please share a 1-2 minute video introduction detailing you experience in this specific role. You can upload your video to the CSJobs platforms. Please use a clean, distraction-free background and speak clearly and articulately.**

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