Credit Analyst

1 day ago

Council of the City of Sydney, Australia Pathway Search Full time

About Us

We're a fast‑growing start‑up in the consumer finance space on a mission to reshape how consumers access credit at the point of sale. By partnering with merchants across a wide range of industries, we provide smarter, more flexible finance solutions that help customers afford what matters—without the stress. We’re building a platform that’s fair, transparent, and customer‑first—and we’re looking for a skilled Credit Analyst to help us deliver responsible lending decisions that balance growth and care.

Location & Contract

4 days a week in the office. North Sydney. 12 month FTC.

About the Role

This is a critical role in our credit operations team. You’ll be responsible for assessing loan applications that fall outside our automated decisioning engine—reviewing credit data, identifying risks, and making decisions within your Delegated Lending Authority (DLA) or recommending outcomes where required. Applications come through accredited merchant partners and are supported by robust data from our loan management platform, including bank statements and credit bureau reports.

What You’ll Be Doing

- Assess point‑of‑sale loan applications in line with our credit risk appetite and within your DLA

- Analyse customer‑submitted data, bank transaction histories, and credit bureau reports to assess both creditworthiness and responsible lending obligations

- Approve, decline, recommend, or request further information depending on the application and policy requirements

- Collaborate with the Collections team to restructure loans for customers in hardship or as part of proactive risk management

- Provide high‑quality written commentary and rationale for all assessments

- From time to time, support the wider customer service function, including debt recovery activities

Success in this role will be measured by:

- Turnaround time on decisions

- Quality and consistency of credit assessments

- Accuracy and clarity in documentation

What You’ll Bring

- 5+ years’ experience in financial services or banking, with a strong focus on unsecured consumer lending

- Sound understanding of credit regulations including NCCP, RG209 and the Privacy Act

- Hands‑on experience working with bank transaction data and credit bureau reports (including CCR)

- Excellent communication skills—both written and verbal

- A customer‑first mindset with commercial awareness and risk judgement

- Strong collaboration skills and a willingness to step in where needed

Nice to Have

- Relevant tertiary qualifications and/or industry certifications

- Strong interpersonal and stakeholder management abilities

- A practical, solutions‑focused mindset

Apply For Job

#J-18808-Ljbffr

  • Credit Analyst

    5 days ago

    Council of the City of Sydney, Australia Vestonecapital Full time

    Reporting to the Credit Manager, your key responsibilities will include: - Assessing commercial asset finance applications within your delegated authority - Providing recommendations and commentary for applications outside of delegation - Collaborating with internal and external stakeholders to ensure deal accuracy and smooth progression - Managing...

  • Credit Risk Analyst

    3 weeks ago

    Council of the City of Ryde, Australia NES Global Talent Full time

    Overview Credit Risk Analyst Ryde - Hybrid 6-Month Contract | Shift Roster (7-Day Coverage) We are seeking a Credit Risk Analyst to join the Consumer and SMB Credit Risk Operations team within a leading telecommunications organisation. This role plays a critical part in assessing credit applications, protecting revenue, and ensuring compliance with...

  • ▷ Urgent! Credit Analyst

    4 weeks ago

    Council of the City of Sydney, Australia Vestonecapital Full time

    Responsibilities Reporting to the Credit Manager, your key responsibilities will include: - Assessing commercial asset finance applications within your delegated authority - Providing recommendations and commentary for applications outside of delegation - Collaborating with internal and external stakeholders to ensure deal accuracy and smooth progression -...

  • Private Credit Analyst/Associate

    3 weeks ago

    Council of the City of Sydney, Australia ROBERT WALTERS AUSTRALIA Full time

    Overview Our client is seeking a dedicated and detail-oriented Property Finance Analyst/Associate to join their dynamic team. This role offers an opportunity to extend your skills in property finance within an established private credit fund. Role: Investment Analyst/Associate Location: Sydney CBD Contract Type: Permanent Workplace Type: Hybrid Experience...

  • (15h Left) Risk Commercial Finance

    2 weeks ago

    Council of the City of Sydney, Australia DLL - Financial Solutions Partner - Part of Rabobank Full time

    An exciting new permanent opportunity within the ANZ DLL team has become available for a Credit Analyst (Commercial Finance) reporting to the Credit Manager – Corporate and Commercial Finance. As the Credit Analyst (Commercial Finance), you will help organize, manage, and optimize the risk management, credit underwriting, and credit operational processes...

  • Commercial Credit Analyst

    2 weeks ago

    Council of the City of Sydney, Australia Volkswagen Financial Services Australia Full time

    Job Category: 12 month fixed term contract Volkswagen Financial Services Australia is a leading provider of competitive finance and insurance products to over 1200 retailers across Australia representing automotive brands within the Volkswagen Group including: Audi, ŠKODA, Bentley, Porsche, Ducati and Lamborghini and outside the Volkswagen Group - Jaguar...

  • Credit Analyst

    2 weeks ago

    Council of the City of Sydney, Australia ROBERT WALTERS AUSTRALIA Full time

    An exciting opportunity has arisen for a Credit Analyst to join a highly respected retail banking institution in Sydney, where your expertise will directly influence the financial wellbeing of customers and the success of the business. This role offers you the chance to work within a supportive and inclusive team that values collaboration, integrity, and...

  • Credit Assurance Analyst

    4 weeks ago

    City of Brisbane, Australia Great Southern Bank (Formerly CUA) Full time

    Credit Assurance Analyst As the Credit Assurance Analyst, you will be responsible for working with the Manager Credit Risk to deliver and strengthen our second line credit assurance and oversight plan. You will build strong relationships with first-line risk-takers, leveraging your expertise to help identify ways to improve credit practices and optimise our...

  • Senior Credit Analyst – Equipment Finance

    4 weeks ago

    Council of the City of Sydney, Australia Hudson AU Full time

    Join a fast-growing financial services group supporting major commercial and mining clients across Australia and Asia. This is an immediate-start, 6-month contract for a confident and technically strong Senior Credit Analyst who wants to take control of credit assessment, risk management, and portfolio performance in a lean, empowered environment. Reporting...

  • Commercial Credit Analyst

    4 weeks ago

    Council of the City of Sydney, Australia Volkswagen Financial Services Australia Full time

    Job Category: 12 month fixed term contract Volkswagen Financial Services Australia is a leading provider of competitive finance and insurance products to over 1200 retailers across Australia representing automotive brands within the Volkswagen Group including: Audi, ŠKODA, Bentley, Porsche, Ducati and Lamborghini and outside the Volkswagen Group - Jaguar...