Senior Credit Assurance Officer

Capricorn • Perth, WA

5d • Hybrid

About The Position

As a Senior Credit Assurance Officer, you will play a critical role in safeguarding the integrity of Capricorn’s credit decisions and risk framework. You will lead and support credit assessment and assurance activities across the business, ensuring robust risk evaluation, sound governance, and consistent alignment with Capricorn’s risk appetite and financial policies. This role is responsible for overseeing credit limit assessments, managing trade credit insurance arrangements, and proactively monitoring member risk profiles using external credit and risk tools such as Equifax and Debtor IQ. You will ensure appropriate security measures—such as Director / Guarantor checks, monitor & action any company or personal adverse or defaults are reported by credit bureaus or third party agency, sufficient collateral are in place, up to date, and fit for purpose

Beyond core credit assessment, you will be a trusted partner to key internal stakeholders including Sales, Risk, Finance and Shares teams. You will contribute to broader strategic initiatives such as delinquency management, fraud risk mitigation and operational control testing. A key part of the role is leading, coaching and developing the Credit Assurance Team, ensuring service level agreements are met and that credit applications are processed accurately, efficiently and with sound commercial judgement.

Requirements

• Proven people leadership capability, with a track record of coaching and developing high-performing teams
• Strong knowledge of credit assurance frameworks and practices, including independent credit review, risk oversight, regulatory compliance, and adherence to credit governance and delegated authority structures.
• Demonstrated experience preparing and escalating credit submissions outside delegated lending authority[AN1.1]
• Well-developed communication skills, with the ability to build and maintain effective relationships with internal stakeholders and Members
• Ability to manage high volumes of complex, high-value transactions while meeting tight deadlines and maintaining accuracy
• Proven stakeholder management skills across multiple business units, both upstream and downstream
• A proactive approach to reviewing processes, driving improvements and embedding a culture of continuous improvement
• Advanced capability across the Microsoft Office suite, particularly Excel and PowerPoint
• Strong problem-solving skills and the ability to think critically and pragmatically
• Flexibility to support the team during peak periods and assist with additional workload when required
• Minimum of four to five years’ [AN2.1]recent experience in credit risk within banking, finance and/or accounting
• Exposure to accounting and banking systems, including ERP platforms
• High level of proficiency across the Microsoft Office suite

Nice To Haves

• Previous experience mentoring, training or leading team members is highly desirable
• Experience leading or contributing to continuous improvement initiatives and process optimisation

Responsibilities

• Overseeing credit limit assessments
• Managing trade credit insurance arrangements
• Proactively monitoring member risk profiles using external credit and risk tools such as Equifax and Debtor IQ
• Ensuring appropriate security measures—such as Director / Guarantor checks, monitor & action any company or personal adverse or defaults are reported by credit bureaus or third party agency, sufficient collateral are in place, up to date, and fit for purpose
• Contributing to broader strategic initiatives such as delinquency management, fraud risk mitigation and operational control testing
• Leading, coaching and developing the Credit Assurance Team
• Ensuring service level agreements are met
• Ensuring credit applications are processed accurately, efficiently and with sound commercial judgement

Benefits

• Work flexibility – We’re all unique, and so are the ways in which we work. We have Hybrid (2 days working from home) written into our policy.
• Development Opportunities – your success is ours too. We provide training opportunities and development to give you the tools you need to grow.
• Paid parental leave – during life’s most important times, we support parents’ leave (for both parents) and their transition back to work.
• Get social – our social calendar is full, with a range of different virtual and face-to-face events to keep us connected.
• A place you want to be – from the sweeping city views, coffee on tap and the general buzz of our team, Capricorn is a place you want to be.
• A cherry on top – we’ve got a heap of benefits that our team actually use, including a fantastic reward and recognition program, wellness program, additional leave purchase and so much more!
• Amazing Benefits – Unlock amazing benefits at Capricorn. We offer all staff free gym membership near the office, discounted private health benefits and all inclusive working from home kits to get you started!

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed
• Number of Employees: 101-250 employees