in1bank Ltd (the Bank: www.in1bank.com.au) is an Australian owned local bank with a banking licence regulated by the Australian Prudential Regulation Authorities (APRA). The key objective of the Bank is to be a leading and trusted digital-first bank with an initial focus on the Australian Chinese speaking retail and SME community. It provides a superior customer experience through the dedication of a strong and experienced management team and, empowered by leading and agile technologies as well as a focus on delivering new value-creating products and services through digital and other customer-centric channels. Credit Manager-Vehicle Financing We are seeking a highly motivated and experienced Credit Manager – Vehicle Finance to lead our credit assessment and risk management functions within the automotive finance segment. You will be responsible for managing credit applications, ensuring sound credit decisions, maintaining portfolio quality, and supporting business growth through prudent risk strategies.   Key Responsibilities:   Develop, implement and update the credit policies, processes, and scoring models. Lead, mentor, and build up the credit assessment team. Evaluate and approve/decline auto finance credit applications in line with the bank’s credit policies and risk appetite. Analyze market trends and portfolio data to support credit strategy decisions. Ensure compliance with regulatory requirements and internal controls. Liaise with sales, collections, and risk teams to ensure a seamless credit process. Monitor portfolio performance and implement risk mitigation strategies.   Requirements:   Minimum 5 years’ experience in credit management, preferably in auto finance or consumer lending. Deep understanding of auto loan underwriting, credit scoring, and risk management. Familiarity with vehicle management tools Excellent decision-making and analytical skills. Leadership experience with the ability to build up and coach a team. Knowledge of relevant legislation (e.g., NCCP, AML/CTF) and credit bureau systems. Degree in Finance, Accounting, Business, or related field preferred.   You will be joining a hybrid working environment, however initially there is an expectation to be in the Sydney based office for most of the week to enable training and familiarity with activities. in1bank is an equal opportunity employer. We are committed to creating an inclusive, diverse environment for all employees. We do not discriminate on the basis of race, religion, colour, gender, sexual orientation, age, disability or any other legally protected status.