Credit Assessor

Pepper Money Limited; New South Wales; Hybrid; AUD 70,000 - 95,000; Full time

Benefits offered by this job

Hybrid working model

Gym membership

Discounted health insurance

Novated leasing

Staff loan rates

Spice Reward and Recognition

Parental leave

Purchased leave

Refer a friend bonus

Job summary

Pepper Money Limited is seeking a Credit Assessor in New South Wales to assess loan applications and analyse customer financial information. You will work closely with brokers, customers, and internal stakeholders to deliver timely outcomes and an exceptional customer experience.

The role emphasizes strong analytical skills, attention to detail, and a commitment to responsible lending. Pepper Money offers a hybrid working model and supportive development opportunities to grow your career.

Qualifications

• Credit Assessment Experience: demonstrated experience assessing consumer or asset finance applications.
• Certificate IV in Credit Management: Qualified in Credit Management or working towards completion.
• Strong Analytical Skills: ability to interpret financial information, identify risks, and make well-reasoned lending recommendations.
• Communication & Relationship Building: confident communicator who can build credibility with brokers, customers, and internal stakeholders.
• Regulatory Knowledge: solid understanding of responsible lending obligations and the broader lending environment.
• Attention to Detail: highly organised with strong accuracy and time management.
• Customer Focus: delivering positive customer outcomes while managing risk.

Responsibilities

• Assess Loan Applications in line with Pepper's policies and regulatory requirements.
• Analyse Financial Information to determine borrowing capacity and risk.
• Manage Documentation to ensure completeness and compliance.
• Build Stakeholder Relationships with brokers, customers, and internal teams.
• Deliver Outstanding Service with clear communication and a solution-focused approach.
• Maintain Compliance with lending obligations and Pepper's framework.

Skills

Analytical skills

Regulatory knowledge

Communication

Attention to detail

Customer focus

Education

Certificate IV in Credit Management

Job description

At Pepper Money, we've spent more than 26 years helping people achieve their goals. Today, we're one of Australia and New Zealand's leading non-bank lenders, supporting more than half a million customers with a range of lending solutions. While we're proud of our growth and success, it's our people, partnerships and willingness to do things differently that continue to drive us forward.

The Role

As a Credit Assessor, you'll play a key role in helping customers achieve their financial goals while ensuring sound lending decisions are made in line with Pepper's credit policies and responsible lending obligations. You'll assess loan applications, analyse financial information, and work closely with brokers, customers, and internal stakeholders to deliver timely outcomes and an exceptional customer experience.

• Assess Loan Applications: Review and evaluate loan applications in line with Pepper's credit policies, lending standards, and regulatory requirements, making balanced and commercially sound credit decisions.
• Analyse Financial Information: Assess customer financial positions through the review of income, liabilities, living expenses, credit reports, and supporting documentation to determine borrowing capacity and risk.
• Manage Documentation: Gather, verify, and maintain accurate application documentation, ensuring completeness, compliance, and a smooth assessment process.
• Build Stakeholder Relationships: Partner with brokers, customers, and internal teams to provide guidance, resolve queries, and facilitate efficient application outcomes.
• Deliver Outstanding Service: Provide a high standard of service through clear communication, responsiveness, and a solution-focused approach throughout the customer journey.
• Maintain Compliance: Ensure all lending decisions align with responsible lending obligations, regulatory requirements, and Pepper's risk and compliance framework.
  

About you

You're a confident and commercially minded credit professional who enjoys balancing risk with customer outcomes. You bring strong analytical skills, sound judgement, and a genuine commitment to delivering great service.

• Credit Assessment Experience: Demonstrated experience assessing consumer or asset finance applications, with the ability to make informed and balanced credit decisions.
• Certificate IV in Credit Management: Qualified in Credit Management or working towards completion.
• Strong Analytical Skills: Ability to interpret financial information, identify risks, and make well‑reasoned lending recommendations.
• Communication & Relationship Building: Confident communicator who can build credibility with brokers, customers, and internal stakeholders while managing expectations effectively.
• Regulatory Knowledge: Solid understanding of responsible lending obligations and the broader lending and regulatory environment.
• Attention to Detail: Highly organised with strong accuracy and time management skills, enabling you to manage multiple applications in a fast‑paced environment.
• Customer Focus: Passionate about delivering positive customer outcomes while maintaining sound risk management practices.

Our values guide how we work, make decisions and support each other.

Can Do:We look for better ways of doing things and work together to deliver great outcomes.
Balanced: We set our customers up for success, crafting win‑win outcomes that are both human and profitable.
Real: We keep it honest and respect everyone, building genuine connections.

We know that great work happens when people feel supported. That's why we offer benefits that help you grow your career, recognise your contribution and support your wellbeing, whatever stage of life you're in. Here's a snapshot of what you'll find at Pepper:

• Development: a full suite of development opportunities and a great team to learn from
• Recognition: Celebrate efforts with our Spice Reward and Recognition Program and diversity through our DE&I initiatives
• Flexibility: Embrace our hybrid working model, flexible parental leave policies and purchased leave options
• Health and Wealth: Free gym membership, discounted health insurance policies, novated leasing and staff loan rates to manage your mind, body and wallet!
• Referral Bonus: Earn $2000 for referring great people.
  

If this role sounds like it’s for you and you have experience in tackling some of the day-to‑day tasks, we want to hear from you.

At Pepper, we're proud of the inclusive and diverse workplace we've built over the past 26 years. Creating a culture where people feel respected, supported and able to be themselves is part of who we are. It's reflected in our values, our people practices, and the way we work together every day.