Senior Credit Operations Manager

Job Description

Our mission is to make consumer energy resources (CER) affordable and accessible for everyone.

Brighte is building the platform to enable and accelerate the energy transition by making it affordable, easy and less risky to buy and sell energy equipment.

Our founder and CEO, Katherine McConnell, has been awarded Telstra Businesswoman of the year in 2020 as well as winning the Sustainability Crusader award at B&T's 2023 Women Leading Tech Awards. She is a passionate and humble leader who has a human first approach to business.

As a business in 2025, we have been named a AFR Sustainability Leader within the Banking and Finance category and won the inaugural Sustainability Award at the Affies in 2024!

About the Role

As our Senior Credit Operations Manager, you'll lead our unsecured lending operations across onshore and offshore teams. This role is instrumental in driving operational excellence, enhancing customer experience, and optimising credit decisioning processes through digital transformation and continuous improvement initiatives.

What You'll Do

• Lead and develop and train underwriting and settlements teams both onshore and offshore, fostering collaboration, ensuring consistent performance standard and quality outcomes
• Champion digital transformation by improving auto-decisioning rates, reducing manual intervention, and accelerating turnaround times without compromising credit quality or compliance.
• Champion the adoption of digital tool and technologies across credit operations and lead automation projects and workflow optimisation to streamline operational processes
• Conduct regular analysis of operational metrics to identify bottlenecks and enhancement opportunities
• Design and execute improvement initiatives that deliver measurable business outcomes
• Contribute to the development and refinement of business processes and credit policies, ensuring policies balance risk management with customer experience and business growth objectives
• Collaborate with risk, product, and technology teams to align operational capabilities with business strategy
• Provide insights and recommendations to senior leadership on operational performance and improvement opportunities

What You'll Bring

• You have a Bachelor's degree in Business, Finance, Economics, or related field.
• You bring solid experience in credit operations, with at least 3 years in a senior role.
• A strong background in unsecured lending products (BNPL, personal loans, credit cards, or similar) and deep understanding of credit assessment processes, underwriting principles, and settlements operations.
• Experience with digital lending platforms and credit decisioning engines.
• Knowledge of regulatory requirements for consumer lending in Australia (NCCP, Privacy Act, etc.).
• Proven ability to lead and motivate large, diverse teams across multiple locations coupled with strong change management skills with experience driving digital transformation.

What's in it for you?

• Flexible working arrangements to suit individual needs and a hybrid work model. Our office is designed for collaboration, creativity and balance between office engagement and remote flexibility. Our in-office days are Monday through Thursday (4 days), with Friday as a remote day.
• Free lunch! Yes, there is such a thing! Kickstart your week with our Monday Mingle meaning lunch on us and great company. From tacos, to sushi, to charcoal chicken, it's a delicious way to catch up, unwind and connect.
• Get social. We host a range of social activities at Brighte. A fan-favorite being our weekly Thursday social event, where you can catch up with colleagues over a drink, snack and a game of table tennis.
• We want our employees to share in Brighte’s success. You may be given an opportunity to join our Employee Share Option Plans (ESOP).
• Snacks galore – who doesn’t love that? Our thoughtfully stocked pantry includes snacks to suit your every mood. Fresh bread, protein bars, popcorn, fresh fruit, chocolate, soy crisps, cookies – you name it! We also offer a carefully curated collection of wines and beer on tap for those looking to unwind or enjoy a social moment.
• End-of-trip facilities. Cycle in to work, lock up your wheels and have a shower in our end-of-trip facilities, which come complete with towel service and hair dryers.
• Anniversary leave - your dedication at Brighte won’t go unnoticed. Enjoy an extra day to celebrate your work anniversary with us.

Diversity and Inclusion

At Brighte, we celebrate diversity and encourage you to bring your whole self to work. Our inclusive culture is the foundation of our innovative and dynamic environment.

Named LinkedIn’s #10 Top Australian Start Up (2021), we know we wouldn’t be anywhere without our investors, who believe in our mission and the opportunities that lie ahead for a brighter future.

Airtree Ventures, Grok Investments, Kim Jackson and Scott Farquhar’s Skip Capital, and Qualgro Partners all continue to support Brighte in making this dream a reality!

If you want to join this mission-driven, inclusive, and highly collaborative team, click apply and upload your resume! All applicants will receive a response.

As part of our process, we require all candidates to undertake references and background checks, which include a police check, anti-money laundering and bankruptcy checks.