Credit Risk Analyst

At Prospa, we exist to unleash the potential of small business. We are building the future of small business and simplifying cashflow by building a leading platform that helps customers make payments, fund growth and reduce admin. **Join us**

**The role**:
Prospa is hiring an Analyst to join the Credit Risk Portfolio Management team, reporting to the Manager, Credit Risk. This team sits within Strategy and Commercial and reports to the Chief Strategy and Commercial Officer.

In this role, you'll monitor customer behaviour across products and regions, focusing on portfolio performance and credit risk data quality. You'll maintain risk data pipelines, follow best practices, and work closely with other analysts and the data team.

**What you'll be doing**:

- Work closely with Credit Risk, Credit Ops, Sales, Collections, and Finance to ensure loss rates stay within Board-approved risk appetite.
- Support the Manager in:

- Deep dives into portfolio performance to deliver actionable insights to senior leaders.
- Managing arrears, loss indicators (30+, 90+), ECL and forecasts using data-driven analysis.
- Collaborating with Finance, Tech, and Collections to ensure accurate loss reporting and forecasting.
- Leading data migration efforts, defining metrics, and building dashboards (Tableau/Power BI).
- Enhancing and monitoring forecasting and ECL models.
- Partner with Credit Decision Engine and Credit Settings teams to assess the impact of origination changes and provide feedback on risks/opportunities.
- Maintain and improve risk data systems, including definitions and accuracy across business functions.
- Ensure all code is version controlled.
- Actively contribute to a strong team culture, aligned with Credit Risk's values and ways of working.

**What you'll need to succeed**:

- Strong SQL skills required; Power BI, Python (especially functional programming), and Databricks experience desirable.
- Able to solve business problems by recommending, planning, and delivering data-driven solutions on time.
- Curious and open to experimenting with new methods, sharing learnings with the team.
- Strong communication skills — able to interpret data and present clear, compelling stories to both internal and external stakeholders.
- 2+ years' experience in Credit Risk portfolio management or analytics preferred, but strong technical skills and a willingness to learn are equally valued.

**What we offer**:
As a busy grow getter, our benefits are here to help you be unstoppable in your mission. Whether it's a lofty career goal, investing in your family, saving the planet or simply feeling fulfilled:

- **Growth**: There's something for everyone including learning days, a learning allowance, leadership programs, CliftonStrengths workshops, digital learning, and biannual companywide learning weeks.
- **Wellbeing**: Think fitness initiatives, seasonal programs (including flu shots, massages, skin checks, wellness classes), additional "Me Days" and access to holistic EAP coaching.
- **Lifestyle**: Find your fit with flexible working options, top notch office facilities and diverse remote/ travel work options. You can also purchase additional leave and take up to 18 weeks paid parental leave.
- **Impact**: Join a business that cares and is recertified as carbon neutral. And you can tap into volunteer days, our partnership with Kiva and join a range of employee resource groups.

**Why Prospa?**:
We're proud to be a certified Great Place to Work and recognised as a Best Workplace for Women, Best Workplace in Technology, and Best Workplace in Australia. We embrace diversity in people and ideas, fostering a collaborative, inclusive, and respectful environment where we celebrate who you naturally are.

Don't just take our word for it, check out **Prospa's culture code** to see it for yourself.