Commercial Credit Analyst

Who is Shift? At Shift, we’re business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products. We believe Australian businesses are the driving force behind our economy and are core to our communities. That’s why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do. We’ve helped solve the credit and payment pain points for more than 30,000 businesses, providing over $6 billion in aggregate funding. Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You’ll be joining a diverse team of over 300 people who are always looking to deliver better outcomes for Australian businesses. Job Overview: The Channel Partner Manager is responsible for executing the channel diversification strategy defined by the Small Business Division to deliver channel growth, activation, and performance outcomes in line with defined targets. This involves identifying, onboarding, and nurturing relationships that drive meaningful lending volume and developing repeatable, operationally efficient models to support scale. This is a high-ownership role that sits at the intersection of business development, relationship management, and product collaboration. Main Duties & Responsibilities: Channel strategy execution * Identify target channel segments and priority channels * Translate strategy into: * partner acquisition plans * activation roadmaps * performance targets * Monitor delivery vs plan and escalate gaps Partner Acquisition & Development * Identify, onboard, and activate new channel partners including lead gen, referral partners and strategic embedded partnership opportunities * Build and manage a pipeline of prospective partners using a disciplined, targeted approach, driven by solving the underlying customer need and alignment to strategic direction * Build clear partner value propositions that demonstrate how Shift solves for the customer need * Develop a repeatable onboarding and activation (GTM) framework * Ensure partners scale through systemised models, not bespoke agreements Channel Performance & Growth * Drive and report on channel-level performance: volume, conversion, cost of acquisition * Drive continuous improvement in: * partner engagement and productivity * conversion rates * speed to funding * Gather market data and partner feedback to inform solution development and positioning Broker Channel Optimisation * Partner with Head of Broker and Broker BDM team to convert existing broker aggregator relationships into scalable, digitally-enabled distribution channels * Activate lead gen networks to drive qualified lead volume via digital channels Skills & Experience required: * Proven experience in channel, partnerships, or indirect distribution roles * Good understanding of legal, regulatory and risk requirements which impact commercial constructs * Demonstrated experience exploring the customer problem statement and identifying viable solutions Experience scaling: * Broker or aggregator channels * Partnership or embedded distribution models * Demonstrated experience with embedded finance or API-based product integrations * Experience in financial services, lending, or fintech environments * Self-starter who can manage a pipeline with minimal oversight * Strong commercial structuring and negotiation capability * Ability to design and scale repeatable partner acquisition models * Experience building GTM, onboarding, and activation frameworks * Data-driven decision making and performance optimisation * Strong stakeholder management across commercial and product teams and with external partners #LI-SA1 Key benefits: * Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business. * Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy. * Flexible working environment – we’re headquartered in North Sydney with state-based workplaces and offer a flexible work policy. * Family support – industry leading 26 weeks paid parental leave. * Purpose built spaces within our office – designed for collaboration, brainstorming, socialising, and focused work. * Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities. #LI-Hybrid

Who is Shift? At Shift, we’re business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products. We believe Australian businesses are the driving force behind our economy and are core to our communities. That’s why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do. We’ve helped solve the credit and payment pain points for more than 30,000 businesses, providing over $6 billion in aggregate funding. Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You’ll be joining a diverse team of over 300 people who are always looking to deliver better outcomes for Australian businesses. About the role: The Account Manager (Internal) is accountable for establishing and maintaining relationships within an assigned portfolio of Merchants. You will accelerate Shift’s growth objectives through proactive engagement and stakeholder management, building strong and lasting relationships in the process. You will do this with a solution-oriented focus and methodical process whilst operating with a sense of urgency. Duties & Responsibilities: * Manage a designated portfolio of merchant accounts, building strong relationships and supporting their successful engagement with Shift. * Support the National Sales & GTM with onboarding activities to ensure seamless and positive onboarding experience for new merchants including participation or facilitation of implementation meetings * · Drive adoption of Shift products and introduce cross sell opportunities within your Merchant portfolio. * Maintain highly productive, professional relationships with key personnel and decision makers within your Merchant portfolio. * Coordinate with cross-functional teams within Shift to ensure Merchants enjoy a seamless relationship with Shift. * Continuously educate Merchants and their teams on key and new product features, processes and best practices through phone, email, virtual & occasional face to face meetings and other communication channels. * Proactively engage with Merchants to provide support, build capability and drive product adoption, demonstrating confidence in managing conversations and relationships. * Proactively deliver reporting and insights, leading joint planning processes that develop mutual performance objectives, financial targets, and critical milestones associated with a productive Merchant relationship. * Proactively assess, clarify, and validate Merchant needs on an ongoing basis. * Maintain an exceptional understanding of Shift’s broader objectives, the positioning of Shift’s products and each Merchant including their key priorities. * Keep up to date with competitor information and market trends; identify business opportunities for Shift. * Be comfortable with and achieve all assigned targets including but not limited to the Customer acquisition, activity, transaction volume and revenue targets. * Actively seek new Merchant referrals from your network and Merchant portfolio and pass on to the Merchant acquisition teams. * Contribute ideas and initiatives on how Shift can continue to build and grow our Merchant network. Skills & Experience required: * 2+ years’ experience in sales, relationship management or business development, selling solution-oriented products * Proven ability to build lasting relationships with a focus on delivering solutions * A high achiever, has regularly achieved assigned targets * Proven self-starter who has operated independently and remotely * Exceptional rapport and relationship building skills * Fluent communication in person, via web meeting, on the phone and in email * Strong listening and negotiation prowess * Entrepreneurial in approach * Strong sales acumen * Stakeholder management * Understanding of commercial lending * Proficient in Microsoft Office Suite, Salesforce, Tableau #LI-SA1 Key benefits: * Collaborative teams – a flat structure means everyone can learn from colleagues and senior leaders around the business. * Be involved – come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy. * Flexible working environment – we’re headquartered in North Sydney with state-based workplaces and offer a flexible work policy. * Family support – industry leading 26 weeks paid parental leave. * Purpose built spaces within our office – designed for collaboration, brainstorming, socialising, and focused work. * Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities. #LI-Hybrid