Senior Credit Analyst

WHO IS LUMI?

We're 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.

WORKING AT LUMI

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 are incredibly proud of our awards, including most recently our Deputy CEO, Anna Hawter, receiving the Finnies' 2025 Outstanding FinTech Leader of the Year award. We also ranked in the top #3 on the 2024 Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list, 2023 Best Workplace Diversity Award by FinTech Australia and the 2022 Empowering Innovation Affie Award. We also ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia.

We foster a workplace where everyone feels a sense of belonging and 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. We are respectful.

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

• Providing detailed credit analysis of the complex commercial applications.
• Conduct robust credit calls with Business Loan Applicants to ensure that key risks are mitigated and material assumptions are verified
• Make recommendations to Deal Review Committee supported by the credit analysis and credit call that meet policy and quality requirements.
• Assist Credit Managers with the review of the assessments conducted by junior members of the team ensuring that the minimum required quality is met
• Provide timely feedback to junior credit analysts to assist with upskilling and improvement of the credit team
• Building and maintaining effective relationship with the members of the sales team
• Assist credit managers in upskilling sales team by delivering constructive feedback on the quality of the credit submissions and data collection.

THIS PERSON IS SOMEONE WITH…

• Commercial credit experience in decisioning deals up to $5 million
• Prior experience holding significant delegation - this is a must
• Experience in coaching and mentoring junior credit analysts
• Demonstrated initiative, drive and enthusiasm
• Excellent organisational and time management skills
• High attention to detail
• Strong ability to build relationships and act as a true team player

PERKS & BENEFITS

• 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, ping pong, rooftop BBQs
• Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions
• Community Support: Paid volunteer leave, diversity celebrations, company volunteer days
• Career & Growth: Advancement opportunities, higher education sponsorship, hackathons

Job Types: Full-time, Permanent

Pay: $85,349.93 – $149,712.00 per year

Work Authorisation:

• Australia (Preferred)

Work Location: Hybrid remote in Sydney NSW 2000