Credit Assessment Officer (Max-Term Contract - 12 months)

Avyaya Consulting Pty Ltd; North Sydney; On-site; AUD 70,000 - 95,000; Full time

Benefits offered by this job

Competitive salary

Flexible working arrangements

Collaborative and high-performanceteam

Career growth opportunities

Ongoing training and development

Job summary

Avyaya Consulting Pty Ltd is seeking a detail-oriented Credit Assessment Officer on a 12-month max-term contract in North Sydney to assess unsecured consumer loan applications and ensure compliance with NCCP, RG209 and Privacy requirements.

You will review documents, analyze bank data and CCR reports, and collaborate with partner networks to deliver accurate credit decisions while maintaining turnaround times in a high-volume environment.

Qualifications

• Experience in credit assessment, loan processing, or underwriting in consumer lending (unsecured preferred).
• Strong understanding of Australian credit regulations (NCCP, RG209, Privacy).
• Experience interpreting bank data and CCR reports.
• Familiar with digital loan origination systems and automated decisioning tools.
• Strong analytical skills and attention to detail.
• Excellent written and verbal communication.
• Ability to manage competing priorities in a fast-paced environment.
• Flexibility to work weekends as required.
• Experience in retail finance or merchant-originated lending is desirable.
• Must have full Australian work rights without visa sponsorship.

Responsibilities

• Assess and make credit decisions on unsecured personal loan applications in line with internal policies and NCCP requirements.
• Review supporting documentation including income, identification, bank statements, and credit reports.
• Evaluate creditworthiness using bank transaction data and comprehensive CCR insights.
• Liaise with applicants and retail partners to obtain additional information and resolve application queries.
• Conduct fraud and AML/CTF checks as part of the assessment process.
• Make approval, decline, or conditional lending decisions based on risk analysis and policy guidelines.
• Maintain high standards of accuracy, compliance, and turnaround times in a high-volume environment.
• Collaborate with Customer and Merchant Services teams, including supporting collections activities where required.
• Contribute to continuous improvement of credit decisioning and operational processes.

Skills

Credit assessment

Underwriting

Regulatory knowledge

Attention to detail

Communication skills

Shift flexibility

Australian work rights

CCR interpretation

Tools

Digital loan origination system

Automated decisioning tools

Job description

Credit Assessment Officer (Max-Term Contract - 12 months)

Job Title: Credit Assessment Officer (Max-Term Contract - 12 months) Location: North Sydney Employment Type: Full-Time Industry: Financial Services / Consumer Lending

An established consumer lending fintech business is seeking a detail-oriented and commercially minded Credit Assessment Officer to join their Credit Operations team.

In this role, you will assess unsecured consumer loan applications originated through retail partner network. You will play a critical role in ensuring high-quality credit decisions by verifying applicant information, assessing risk, and applying sound judgement in line with regulatory obligations and internal credit policies.

You’ll work cross-functionally with customer service, merchant partners, and internal teams to support fast, timely, accurate, and compliant credit decisions at scale.

Key Responsibilities

• Assess and make credit decisions on unsecured personal loan applications in accordance with internal policies and NCCP requirements
• Review supporting documentation including income, identification, bank statements, and credit reports
• Evaluate creditworthiness using bank transaction data and comprehensive credit reporting (CCR) insights
• Liaise with applicants and retail partners to obtain additional information and resolve application queries
• Conduct fraud and AML/CTF checks as part of the assessment process
• Make approval, decline, or conditional lending decisions based on risk analysis and policy guidelines
• Maintain high standards of accuracy, compliance, and turnaround times in a high-volume environment
• Collaborate with Customer and Merchant Services teams, including supporting collections activities where required
• Contribute to continuous improvement of credit decisioning and operational processes

About You

• Proven experience in credit assessment, loan processing, or underwriting within consumer lending (unsecured preferred)
• Strong understanding of Australian consumer credit regulations, including NCCP, RG209, and Privacy requirements
• Experience interpreting bank transaction data and credit bureau (CCR) reports
• Comfortable working with digital loan origination systems and automated decisioning tools
• Strong analytical skills with high attention to detail
• Excellent written and verbal communication skills
• Ability to manage competing priorities in a fast-paced, high-volume environment
• Flexibility to work shifts, including weekends, as required
• Experience in retail finance or merchant-originated lending is highly desirable
• Must possess full Australian work rights without requiring visa sponsorship

What you will get in return?

• Competitive salary aligned with market standards
• Flexible working arrangements
• A collaborative and high-performance team culture
• Career growth opportunities within a scaling fintech lending business
• Ongoing training and professional development