Credit Analyst

Stay Finance Pty Ltd; Sydney; On-site; AUD 70,000 - 90,000; Full time

Job summary

Stay Finance Pty Ltd is a growing Australian fintech lender building a modern digital lending platform to deliver a faster, simpler and more transparent borrowing experience. We are seeking a Credit Analyst to assess loan applications, manage credit risk and help us deliver responsible lending outcomes.

You’ll join a fast-moving fintech with real ownership and the chance to see the direct impact of your work on lending policy and customer outcomes.

Qualifications

• Recent graduate with a degree in Finance, Commerce, Business, Economics, Accounting, Mathematics, Statistics, Data Science, or a related field.
• Strong numerical and analytical skills, with the ability to interpret information and identify patterns.
• Excellent attention to detail and a methodical approach to reviewing applications and information.
• Strong problem-solving and critical-thinking skills.
• Confident working with numbers, spreadsheets and data.
• Ability to assess information objectively and make decisions based on established guidelines.
• Strong written and verbal communication skills.
• Highly organised, reliable and able to manage multiple tasks in a fast-paced environment.
• Fast learner with a genuine interest in finance, lending and financial technology.
• Comfortable learning new systems, software and processes.
• Ability to work independently, take ownership of tasks and contribute to a team.

Responsibilities

• Assess and make decisions on consumer loan applications.
• Analyse income, expenses, liabilities, credit history and bank transactions.
• Review supporting documentation and identify inconsistencies or potential fraud.
• Apply credit policy and responsible lending requirements.
• Make sound, commercially balanced credit decisions.
• Escalate complex or higher-risk applications where appropriate.
• Maintain accurate records of credit assessments and decisions.
• Work with operations and customer-facing teams to resolve application queries.
• Contribute to improving credit policies, processes and lending strategy.

Skills

Analytical thinking

Numerical skills

Attention to detail

Problem solving

Data interpretation

Spreadsheets

Communication skills

Independent learner

Team collaboration

Fast learner

Time management

Education

Finance/Commerce degree

Job description

At Stay Finance, we're transforming the way Australians access finance. As a growing fintech lender, we're building a modern digital lending platform that delivers a faster, simpler and more transparent borrowing experience.

We're looking for a Credit Analyst to assess loan applications, manage credit risk and help us deliver responsible lending outcomes.

This is an opportunity to join a fast-moving fintech where you'll have genuine responsibility, a voice in how we operate and the opportunity to see the direct impact of your work.

What You'll Be Doing

• Assess and make decisions on consumer loan applications.

• Analyse income, expenses, liabilities, credit history and bank transactions.

• Review supporting documentation and identify inconsistencies or potential fraud.

• Apply credit policy and responsible lending requirements.

• Make sound, commercially balanced credit decisions.

• Escalate complex or higher-risk applications where appropriate.

• Maintain accurate records of credit assessments and decisions.

• Work with operations and customer-facing teams to resolve application queries.

• Contribute to improving credit policies, processes and lending strategy.

About You

You're analytical, detail-oriented and comfortable making decisions based on information. You enjoy solving problems, asking the right questions and taking ownership of your work.

Essential Skills & Experience

• Recent graduate with a degree in Finance, Commerce, Business, Economics, Accounting, Mathematics, Statistics, Data Science, or a related field

• Strong numerical and analytical skills, with the ability to interpret information and identify patterns.

• Excellent attention to detail and a methodical approach to reviewing applications and information.

• Strong problem-solving and critical-thinking skills.

• Confident working with numbers, spreadsheets and data.

• Ability to assess information objectively and make decisions based on established guidelines.

• Strong written and verbal communication skills.

• Highly organised, reliable and able to manage multiple tasks in a fast-paced environment.

• Fast learner with a genuine interest in finance, lending and financial technology.

• Comfortable learning new systems, software and processes.

• Ability to work independently, take ownership of tasks and contribute to a team.

Desirable

• Previous experience in lending or credit.

• Exposure to reviewing bank statements or financial information.

• Basic understanding of credit risk and responsible lending.

• Previous experience in banking, finance or financial services.

• Strong interest in fintech and consumer lending.

Why Join Stay Finance?

At Stay Finance, your work won't disappear into a backlog. You’ll have the opportunity to build products and processes that are used every day and make a meaningful impact on the business.

We offer:

• The opportunity to influence credit policy and lending strategy.

• Genuine ownership and responsibility.

• A collaborative, fast-paced fintech environment.

• Exposure to the full lending lifecycle.

• Opportunities to grow as the business scales.

If you're looking for a credit role where you can make decisions, solve problems and see the direct impact of your work, we'd love to hear from you.