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.**
