Credit manager

4 days ago

Work from Home, Philippines Simply Funded Full time ₱750,000 - ₱1,400,000 per year

SimplyFunded is a fast-growing UK-based business finance provider, now expanding into the Australian market. We offer short-term, flexible funding to small businesses and pride ourselves on fast decision-making, efficiency, and strong broker relationships.

We're a close-knit international team where teamwork and culture matter. Our structure is designed to support you, not weigh you down. We believe in empowering our employees, not micro-managing them.

And because we work hard, we celebrate together Every year, we host a Team-Connect Week, a fully company-funded trip to one of the Philippines' tropical islands. In 2026, we're heading to Thailand.

The Role

We're looking for an experienced Credit Manager with direct exposure to the Australian business lending market. This is a senior role, critical to our growth in Australia. You'll play a leading part in shaping credit policy, assessing affordability, and making sound lending decisions in line with our risk appetite.

You'll report directly to the Global head of credit (Philippines) and work closely with the CEO aswell as sales, processing, and collections teams to ensure credit quality is maintained as we scale.

We're looking for someone who has experience of this market, can help shape the credit policy & procedure, and is able to grow a team as the dealflow increases.

What You'll Do

  • Assess SME business loan applications in line with policy and delegated authority.
  • Conduct detailed affordability assessments, including cashflow and debt service coverage.
  • Review financial documents, bank statements, and credit reports to determine risk.
  • Develop, refine, and enforce credit policies and procedures for the Australian market.
  • Identify risks and propose mitigation strategies for borderline applications.
  • Provide final credit sign-off on deals within authority limits.
  • Monitor portfolio quality, arrears, and trends to ensure long-term sustainability.
  • Train and guide junior underwriters to ensure consistency and quality in credit decisions.

What We're Looking For

  • Direct experience in the Australian lending market is essential (SME lending, fintech, or commercial banking).
  • Minimum 5 years of experience in credit, underwriting, or risk management.
  • Strong financial analysis skills—you can interpret financial statements and bank data with confidence.
  • Proven ability to assess creditworthiness and conduct affordability analysis.
  • Experience working with formal credit policies, underwriting frameworks, and procedures.
  • Excellent written and spoken English for credit notes and cross-team communication.
  • Comfortable working independently in a remote environment.

What's in It for You?

  • Competitive salary and benefits package.
  • Remote role – work from anywhere in the Philippines.
  • Career growth opportunities as we expand in Australia.
  • A company culture that values fairness, teamwork, and transparency.
  • Annual company-funded Team-Connect Week in the Philippines or overseas.

Job Type: Full-time, Permanent

Schedule: Monday – Friday, 8:00 AM – 5:00 PM (AEST)

Experience:

  • Australian SME or commercial lending: 3 years (Required)
  • Credit, underwriting, or risk management: 5 years (Required)

Job Types: Full-time, Permanent

Pay: Php75, Php140,000.00 per month

Benefits:

  • Pay raise
  • Work from home

Experience:

  • Australian Commercial lending: 1 year (Required)
  • business loan: 1 year (Preferred)

Work Location: Remote

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