Senior Credit Risk Analyst in Sydney

We are a leading Fintech small business lender fuelling growth by making finance more accessible. We deliver fast & flexible funding designed to meet the unique needs of Australian businesses. With over $1.5 billion funded since 2018 and backing for 15,000+ small businesses, we're trusted for our speed, high quality service, and tailored approach.

We are building a culture where you can grow and make a difference for customers. We are looking for people to join us on this journey who are passionate, curious and great problem-solvers. We foster a workplace where everyone feels a sense of respect and can reach their full potential. If you need any adjustments for a fair recruitment process, please let us know when applying.

OUR VALUES

• Egos at the door: We own. We don’t judge. We don’t blame. We are open. We are in this together.
• See the customer: We show up. We understand. We anticipate. We do what we say. We genuinely focus on solutions.
• Think lean: We make things simple. We are resourceful. We understand the problem. We think ahead.
• Learn to grow: We are curious. We challenge. We try. We fail forward. We learn. We try again.

THE ROLE

• Develop, calibrate and monitor credit risk models (e.g. scorecards or equivalent) to support lending decisions.
• Track model performance over time and recommend redevelopment or recalibration where needed.
• Use data-driven analysis to identify portfolio trends, emerging risks and opportunities.
• Set the analytical direction and methodology for risk reporting, partnering with colleagues who own reporting delivery.
• Evaluate and adopt new tools and techniques (including AI-assisted approaches) to improve modelling efficiency.
• Maintain clear documentation of model methodology and assumptions to support internal and external review.
• Collaborate with quality assurance and policy colleagues to understand how real-world lending patterns may signal emerging risk.

Qualifications

• Tertiary qualification in a quantitative discipline such as statistics, mathematics, data science, actuarial studies, finance or economics (preferred).
• Demonstrated experience in credit risk analytics, modelling or portfolio insights within financial services, ideally in lending.
• Hands-on experience developing, calibrating and monitoring credit risk models (e.g. application or behavioural scorecards).
• Experience turning portfolio data into clear, actionable insights for senior management and governance forums.
• Strong proficiency in SQL and at least one analytical programming language (e.g. Python or R) for data analysis and model development.
• Interest in evaluating and adopting new tools and techniques, including AI-assisted modelling and analysis.

BENEFITS & PERKS

• Wellbeing: Free counselling, seasonal activities, Wellbeing Allowance, wellness room, flu shots.
• Work Life: Home Workspace Allowance, Purchased Leave, Parental Leave, Parental Flex Leave, Lumi Life Leave for challenging events, breastfeeding/expressing space.
• Social & Food: Monthly lunches, regular celebrations, stocked kitchen, beer & kombucha on tap, board games, rooftop BBQs.
• Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions.
• Career & Growth: Rapid advancement opportunities, higher education sponsorship, hackathons.