Are you a seasoned credit professional with a passion for delivering exceptional customer service? We are seeking a Senior Credit Analyst to join our dynamic team, playing a pivotal role in driving future growth and supporting a skilled team of credit analysts.

Who We Are

At ACL Group, we’re not your typical finance company. We are pioneers in the world of non-traditional car finance, helping people who may not fit the typical lending criteria get the financial support they need. We work with a variety of customers, from those with a great credit history to those who have struggled to secure finance with mainstream lenders.

What sets us apart? It’s our customer-first approach, our highly skilled team, and our commitment to integrity in everything we do. We believe in doing things the right way—by following industry standards, adhering to best practices, and always putting our customers' needs at the forefront.

About the Role

As a Senior Credit Analyst, you will be a key decision-maker in our lending operations, reviewing and assessing consumer credit applications. You will analyse financial data, assess credit risks, and work closely with your Team Leader to support fellow team members, brokers, and direct customers—ensuring a smooth and efficient process from application to settlement.

Key Responsibilities

• Assess and make informed decisions on consumer credit applications.
• Review financial documents and supporting information to evaluate creditworthiness.
• Analyse credit risk, ensuring underwriting decisions align with company policies.
• Maintain compliance with all legal and regulatory lending requirements.
• Mentor and support fellow team members to enable and encourage their growth and development.
• Build strong relationships and provide support to brokers and direct customers.
• Contribute to continuous improvement of credit systems, processes, and reporting.

What We Are Looking For:

• 2+ years of experience in credit assessment.
• Team Player: You can mentor and support others, fostering excellence and meeting KPIs at both individual and team levels.
• Attention to Detail: You have a keen eye for accuracy, ensuring thorough assessment and risk evaluation.
• Strong Communication: You can clearly explain credit decisions to customers and stakeholders—both written and verbal.
• Problem Solver: you think critically and find creative solutions to complex issues.
• Time Management Pro: You excel at multitasking without compromising on quality or deadlines.
• Adaptable & Open-Minded: You thrive in a dynamic environment and embrace evolving policies and technology.
• Integrity: You uphold high ethical standards, acting with discretion and accountability.

Desirable Skills:

• Credit Risk Management: You have a solid understanding of how to assess and manage credit risk, and you are familiar with credit scoring systems.
• Regulatory Knowledge: You know the ins and outs of lending compliance—AML, KYC, and other key regulations.
• Excel/Tech Skills: You are comfortable using Excel or similar tools to analyse financial data and generate reports.
• Experience with Credit Systems: Familiarity with CRM or underwriting software is a plus.
• Financial Statement Savvy: You can read and interpret income statements, balance sheets, and other key financial documents.
• Negotiation Skills: You are not afraid to negotiate terms or payment structures to get the best deal for everyone.
• Customer Relationship Management: You are great at maintaining strong relationships with brokers, customers, and other stakeholders.

Why Join us?

We are all about helping you grow—both personally and professionally:

• Be part of a collaborative and supportive team.
• Support a critical function that impacts business success.
• Opportunity to develop your leadership skills further.
• Competitive salary and career growth opportunities.

Ready to take the next step in your career? Apply now and be part of a team that values your expertise!