Credit Operations Lead

Constantinople is the first of its kind: an all-in-one software and operational platform for banks. We provide our banking clients with a cloud-native infrastructure to host and manage their customers. We offer a comprehensive suite of banking products, together with all operational services needed to run a bank efficiently.

Constantinople’s state-of-the-art platform eliminates the need for expensive infrastructure, and replaces manual operational and compliance processes with automation at scale. By removing the operational complexity of banking, Constantinople enables its clients to focus on its customers and the business of banking.

The Role

We are seeking a proactive and detail-oriented Credit Operations Lead to join our growing team. In this pivotal role, you will ensure our credit configurations and processes are operating effectively, evolve and enhance our collections and hardship management capabilities, and oversee the day-to-day activities within collections and hardships. This role is instrumental in maintaining operational excellence while delivering exceptional customer outcomes.

• Credit Configuration Management
• Monitor, maintain, and optimize credit configurations to ensure they operate as planned and align with regulatory and business requirements.
• Collaborate with product, technology, and risk teams to implement updates or changes to credit systems that improve automation whilst maintaining strong lending standards.
• Conduct regular audits and testing of credit configurations to ensure accuracy and compliance.

• Support CXNPL Operations implement new procedural changes and maintain adherence process requirements
• Identify and liaise with Product on opportunities for improvement across CXNPL Operations that improves the time to decision and strengthens CXNPL’s credit risk procedures.
• Assist the Operations team interact and respond to any Client Banks with any questions relating to CXNPL credit decisioning

• Manage customer interactions related to collections and financial hardship, providing empathetic and solution-driven support for consumer and business customers.
• Work with internal teams to resolve escalated cases and deliver fair and consistent outcomes.
• Maintain detailed and accurate records of all collections and hardship activities.

• Develop and refine processes, tools, and systems for collections and hardship management, ensuring they remain scalable and customer-centric.
• Stay updated on industry best practices and regulatory requirements, ensuring compliance in all activities.
• Partner with data and analytics teams to identify trends and improve collections and hardship strategies.

• Liaise with risk, compliance, and legal teams to ensure policies and practices align with regulations.
• Work with product and technology teams to implement system enhancements for better operational efficiency.
• Provide insights and feedback to leadership on credit, collections, and hardship operations.

• Proven experience in credit operations, collections, or hardship management within the banking or financial services industry.
• Strong understanding of credit configurations, collections systems, and regulatory requirements in Australia including ASIC’s RG96.
• Excellent problem-solving and analytical skills, with a data-driven approach to decision-making.
• Outstanding communication and interpersonal skills, with the ability to handle sensitive customer interactions empathetically.
• Proficiency in financial services software and tools; familiarity with digital banking platforms is a plus.
• Ability to work independently, prioritize tasks, and manage multiple responsibilities in a fast-paced environment

Application process:

If this sounds like the kind of opportunity you've been looking for, select the 'Apply Now' button below to submit your cover letter and resume. Use your cover letter to introduce us to you; we want to know who you are, what you've worked on and why you think you'd be a great addition to the Constantinople team.

Inclusion

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal-opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. 

We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us. We will treat your request as confidentially as possible. In your email, please include your name and preferred method of contact, and we will respond as soon as possible.