Credit Analyst

Who is Plenti?
Plenti is a fintech lender, providing faster, fairer loans by leveraging its smart technology. Plenti is a dynamic and innovative business that is growing strongly. By continuing to deliver better customer experiences, Plenti is taking market share from incumbent players in the personal lending, renewable energy, and automotive finance markets.   We are a fast moving and ambitious business that seeks to recruit smart and capable people, who can take ownership of their role to help the business thrive. With over 250 people based in Australia, Plenti is of a size where everyone can make a difference in their role and help us realise our very big ambitions as a team, as we go about building Australia's best lender.   Plenti is a founder led business that launched in 2014, listed on the ASX since 2020 with annual revenue of over $250 million and a loan portfolio of over $2.5 billion.
Role Summary: We're continuing to build our Consumer Credit team and are on the hunt for an experienced Credit Analyst who has a solutions focused approach and ability to thrive in a dynamic fast paced team environment. As a Credit Analyst, you'll be vital to our team's success, looking after both consumer and commercial automotive loan applications flowing through our business.
How will you make an impact? With your strong analytical, exceptional communication skills along with a solutions focussed approach and the ability to work as part of a growing team you will be responsible for accurately assessing and approving consumer credit applications. Your previous experience within the consumer credit space and having held a delegated lending authority is essential.
What you'll do: Underwrite consumer and commercial auto loans
• Analyze financial data like income statements, tax returns, and credit reports
• Make informed decisions on credit approvals
• Collaborate with a dynamic team to deliver exceptional results

Key Experience:
• Proven track record: 4+ years of delegated lending authority in auto finance, having held a DLA of at least $100K
• Deep understanding: Expertise in Equifax Comprehensive Credit Reporting and financial document analysis
Key Competencies:
• Sharp mind: Exceptional quantitative and analytical skills
• Excellent communication: Clear and concise explanations for credit decisions
• Positive attitude: A passion for customer service and teamwork
• Ability to thrive: Experience working autonomously in a fast-paced environment
• Relevant qualifications: Tertiary education or industry certifications
Prior experience in a lending institution or financial services environment is highly valued. What's life like at Plenti?
Working at Plenti means joining a team that is high-performing, diverse, customer-focused and collaborative. It's a place where everyone can "make it happen" and share in the results and success. If being in a dynamic industry as part of a market-leading fintech sounds like you, then join to help us reshape Australia's financial eco-system for the good.
In return, you will enjoy a culture of innovation and entrepreneurship to take your career further. We offer flexible working and volunteer and study leave to develop your skills. We also have monthly social events, office snacks, company Townhalls and D&I initiatives and events to help you connect with your colleagues.  Plenti is committed to a diverse and inclusive workforce.
We encourage people from different backgrounds to apply, including Aboriginal and Torres Strait Islander people and people with disabilities. When you apply, let us know of any reasonable adjustments you may need during the interview process so we can accommodate you.  We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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