Credit Analyst

**Working at Wisr**

As a purpose-led organisation on a mission to bring people closer to financial wellness, we truly believe in what we do and every person who joins our team plays a part in our success. By practising what we preach (hello, $500 wellness reimbursement, 1:1 coaching via Uprise and unlimited Udemy learning), you are empowered to own your role, your development and the space that you play in.

We value psychological wellbeing and safety, fostering a high-performing culture which enables continuous learning and growth. Our hiring and interviewing process is designed for you to showcase your experience, skills and passion and take great pride in not just ‘ticking a box’. If this role resonates with you, we want to hear from you.

We are a people first business and flexibility is key to that - due to the nature of the role, the team work 50% of their time in our beautiful office space.

**About the job**

This is not an ordinary credit position - you will be granted a high level of autonomy, responsibility and freedom to make decisions. This role is responsible for ensuring risk and customer credit worthiness is assessed in alignment with Wisr’s Credit Policy within relevant agreed time frames.

**Common activities will include**:

- Analyse financial documents including, but not limited to, bank statements, rental statements and tax documents for a variety of structures
- Verify and validate that all regulatory and lending policies are adhered to
- Perform serviceability checks as well as ID and Fraud verification
- Ensure compliance with NCCP, RG209, Privacy Act and AML/CTF
- Contribute to continual process improvements within the company operations

**About You**

With a minimum of 3 + years working within consumer lending (secured and unsecured ideal), you’re a confident decision-maker with a demonstrated ability to work in a high-volume, ever-changing environment.

You thrive in a fast paced team environment, working collaboratively with cross functional teams to achieve common goals. You have passion for ongoing learning and growth, and love to understand the why.

**You’ll also**:

- Currently hold a Delegated Lending Authority of at least $50,000. This is a box you need to tick
- Have a sound working knowledge of regulatory and compliance requirements for consumer lending
- Be able to make credit decisions quickly and confidently
- Be highly organised and adaptable to change
- Have strong analytical problem-solving skills and a high level of attention to detail
- Ability to work autonomously
- Excellent verbal and written communication skills to build and maintain internal and external relationships

**Some of Our Perks & Benefits**
- Flexible and hybrid working
- $500 every year to spend on your wellbeing
- Take an extra Annual Leave day off on us every financial year, with A Day on Wisr
- Access via WHEREFIT to discounted gym memberships, corporate discounts for wellbeing products and more
- Generous paid parental leave to support your transition to parenthood
- Unlimited Udemy access to learn new skills
- Regular social events and awesome team offsites
- Access to our Employee Assistance Program, Uprise with up to 6 coaching sessions per year

**Our Why, What and How**

We are a proudly purpose-led ASX-listed fintech on a mission to bring people closer to financial wellness and make a real difference in the world, starting right here in Australia. By building products and experiences designed to have a positive impact on the financial health and lives of our customers, we are inching ever-closer to achieving our purpose.

We offer smarter, fairer loans that help people kick their goals sooner, a nifty round up tool to help people get out of debt and save even faster, and a dashboard that helps people track and improve their credit scores.

The better we do this, the more positive change and impact we can have on our customers. Now is the time to join one of Australia’s fastest growing fintechs and make an impact.

**Wisr Values**
- **Courageously ask, “What if?”**: We challenge the status quo, and we know that decisions that make us smarter, stronger, faster, more innovative always start with a “What if?”.
- **❤️ for the customer**:Our internal and external customers are at the center of everything we do. We genuinely have their best interests at heart.
- **Smarter parts together**:We believe the real magic happens when we bring together the right mix of Smart Parts and work as a team.
- ** Be a stunning colleague**: It’s not just about excelling in our roles, but also going the extra mile to make our colleagues and Wisr shine too.
- **Growth over comfort**:We love learning, and we always find opportunities to learn something new whether it is facing a fear or pushing through something uncomfortable to level up.