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Inside Tic:Toc: Tina, Credit Assessor

3 min read

Melissa Brown

We speak to Tina about career journey at Tic:Toc

How did you hear about the role?

During my time at Tic:Toc I have had the opportunity to have many roles! I started as a Home Loan Specialist, then a role for a Credit Assessor (DLA3) was advertised internally. The UAT Specialist role in the Operations department was also advertised internally.

I received HR’s email about the UAT Specialist role when I came back from annual leave. Luckily, they extended the EOI deadline to give me sufficient time to prepare my application otherwise I could’ve missed it.

The great thing about Tic:Toc is there are many opportunities within the business for people’s individual career development, so we don’t have to look for progression opportunities outside of the organisation.

Can you explain the interview process?

The interview process for Tic:Toc is an informal one. The leaders who do the interviews are very friendly. They put me at ease with their jokes. I usually get nervous in an interview, but I quite enjoyed the interview process I had with Tic:Toc

Tic:Toc’s office is quite open and airy. Does this differ from your previous workplaces, and do you prefer it?

Tic:Toc’s office environment is very different from my previous workplaces. It’s an open floor work environment. It’s more transparent and encourages open communication and interaction between teams. Our office space is in line with Tic:Toc’s company values – be transparent & build good bonds. I would not enjoy working in a cubicle after working in an open office environment like Tic:Toc’s. That would feel depressing.

Is Adelaide your hometown, and what do you enjoy about working in the city?

Even though I didn’t grow up here, Adelaide is my home now. The feeling of belonging has been there since the day I moved to this city 8 years ago from China.

As a foodie who doesn't cook much, I love city life because takeaways arrive so quickly! The best part is that they're delivered straight to your door within 20 mins of ordering - and sometimes even faster!

I enjoy working in the city is it’s very easy to catch up with friends after work as the majority of my friends work in the city too.

Can you explain your current role?

Currently, I have two roles: Credit Assessor and UAT Specialist in Operations. As a Credit Assessor, apart from home loan assessments, we also communicate with customers directly to help them select the right products, issue loan documents, and guide them through the settlement process.

We also learn how to raise bugs and ‘user stories’ for platform improvement. I think the Credit Assessor is such a cool and fun role at Tic:Toc compared to the traditional Credit Assessor roles within the major banks. The Tic:Toc start-up company culture contributes to that.

I recently started the UAT specialist role which I’m super excited about! As a non-tech person, I get to learn sprints, product delivery and the tech side of the business. Being part of the delivery team to continuously improve our platform is exciting and meaningful for me. I’m looking forward to adding more value to Tic:Toc as my career grows here.


The great thing about Tic:Toc is there are many opportunities within the business for people’s individual career development, so we don’t have to look for progression opportunities outside of the organisation.

Tina

What type of project excites you most at Tic:Toc?

There are many interesting projects at Tic:Toc, most recently we launched Aussie Edge. This project was exciting for me to provide other lenders with our platform technology rather than only serving our own Tic:Toc direct home loan. It is a significant step for us to start a revolution in the industry. Very exciting!

How did you get started in your field?

I come from an agricultural background. I did my undergraduate degree in China at an agriculture university.

After managing a farming business for 4.5 years in Australia, I made up my mind to leave Agriculture and do something else. I wasn’t sure which field I wanted to get into when I first quit my job. Then I started an MBA at The University of Adelaide. During my studies, I had the opportunity to learn from different people across many industries. It was during this time that I decided to start my career in the financial services industry.

My first job was a part-time customer service role at a CBA branch, then I worked at Westpac as a Credit Assessor. I also did a bit of extra study in financial planning, financial services and mortgage broking as part of my learning and career development journey. It was a combination of hard work, study, determination, networking, and a bit of luck for me to get into this field and at Tic:Toc today.

Do you have a general philosophy/ethos you try to live by?

Yes, in the past few years, I have been trying to live by the principle ‘don’t settle for average’. I apply this in both my personal and career life. In my work life, this means I have the courage to speak up or discuss the roadblocks/issues with my managers to find a solution rather than being stuck and living with it.

You win $10 million playing Powerball. Do you keep working?

I think I will keep working part-time in a corporate environment such as a business like Tic:Toc to keep my brain active.

I might also invest in a wine bar or something as my dream retirement life is to work behind a bar so I can invite friends to catch up Friday nights and weekends to enjoy a drink together.

What hobby are you into right now?

As I recently moved to the city, I have enjoyed exploring different restaurants and takeaways in town. I also have started to do outdoor running twice a week. I run to explore the surrounding suburbs and the Adelaide parklands around the city.

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