Description Hardship Officer
Location – Sydney preferred
A challenging but rewarding role requiring strong credit analysis and sophisticated communication skills.
Join an ambitious firm with exciting growth plans in place.
Allied Credit has a hybrid work environment; we understand the value of a work-life balance.
Company Description
Allied Credit is a leading and well-established finance partner in the vehicle and leisure asset industry, with strategic alliances incorporating well-known car and motorcycle brands. We offer a range of finance solutions including white label, joint venture arrangements, and floor plan finance. Our proprietary loan origination system supports our dealers and distributors to facilitate seamless, convenient, and customer-focused finance solutions for consumers and businesses.
We have an opportunity for a Hardship Officer to join our collaborative Retail Operations team! The primary purpose of the Hardship Officer is to manage and respond to vulnerable customers that may be experiencing financial hardship. They will be responsible for assessing a customer situation and determining, based on the assessment, processes, procedures, and policy, what the best solution will be for the customer. They need to ensure the solution provided will allow the customer to recover from their financial situation to be able to commit to contractual payments again.
Responsibilities
Assessment of a customer situation through the use of the hardship statement of financial position form and their understanding of credit applications. Review the customer's situation as well as the contract conduct to decide on an appropriate solution. Use probing questions to gain a better understanding of the customer's situation and investigate sustainable solutions. Utilize sophisticated communication skills, such as tone of voice and empathy, to engage with customers who may be in distress. Analyse complex cases and think outside the box to generate creative options. Stay connected with the customer, provide regular updates on their application, and share/source any other information needed. Understand and adhere to the debt collections guidelines as well as the National Credit Code section 72 for hardship. Your background
Min. 2+ years in financial hardship or Credit Analyst position, ideally with exposure to working in a Responsible Lending environment. Strong and empathetic customer-focused approach to handling issues, with a passion for providing the best solution to the customer. Sound understanding of the National Credit Code section 72 for hardship. Well-developed negotiation and problem-solving skills with the ability to recommend process improvements and innovative solutions. Strong organisation and exceptional interpersonal skills. Benefits of working at Allied Credit
Hybrid working arrangements; we are always willing to discuss flexible working options. Access to our exclusive corporate superannuation fund. Salary Continuance Insurance (covering TPD insurance). Discount offers on selected retailers, car loans, and novated leasing options. Ongoing extensive in-house and external learning & development opportunities. Wellness day with ongoing wellbeing, diversity program & fundraising events. We pledge to treat all candidates with the utmost respect and professionalism throughout the recruitment process. Our interactions will be characterised by courtesy, honesty, and integrity. We promise to conduct a fair, transparent, and inclusive hiring process. We are committed to ensuring that all candidates are evaluated based on their skills, experience, and potential, regardless of race, gender, age, disability, sexual orientation, or any other characteristic protected by law.
For further information on Allied Credit, please visit our website at .
Please contact Alex Kelly on 0484 109 354 for a confidential discussion or email for further information.
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