Portfolio Forecasting Analyst

OnDeck Australia; Sydney; Hybrid; AUD 110,000 - 150,000; Full time

Benefits offered by this job

Hybrid working

Sydney CBD location

Regular team events

Job summary

OnDeck Australia is seeking a commercially minded Portfolio Forecasting Analyst to shape the lending portfolio and strategy. You’ll forecast using driver-based models and collaborate with risk, finance and product teams to translate data into actionable insights.

The role focuses on developing forecasting capability, analyzing policy and pricing impacts, and driving credit strategy optimisations for sustainable growth. Hybrid work with a Sydney CBD presence is offered.

Qualifications

• Bachelor’s degree in a relevant quantitative field.
• 3+ years in a commercially focused analytical role.
• Strong Excel and SQL skills.
• Experience with R, SAS or SPSS.
• Detail-oriented with data accuracy.

Responsibilities

• Build driver-based portfolio forecasts and establish forecasting capability.
• Analyze how policy, pricing, marketing, channel mix and behavior affect portfolio.
• Develop loss forecasting and provisioning per IFRS 9/ AASB 9.
• Identify portfolio risks, trends and opportunities.
• Develop credit strategy optimisations for growth and profitability.
• Conduct scenario and sensitivity analysis for planning and decisions.
• Assess credit policies and recommend improvements.
• Turn analysis into clear insights for senior stakeholders.

Skills

Analytical thinking

Commercial acumen

Stakeholder management

Autonomy

Education

Bachelor's degree (quantitative)

Tools

Excel

SQL

R

SAS

SPSS

Job description

Turn data into strategy. Shape the future of small business lending.

At OnDeck Australia, we’re changing the way small businesses access finance by combining smart technology, real time data and a genuine passion for helping Australian businesses grow.

We’re looking for a commercially minded Portfolio Forecasting Analyst to join our team and play a key role in shaping the future of our lending portfolio.

This is an opportunity for an analytical thinker who wants to do more than report on what has already happened. You’ll use forecasting, predictive analytics and commercial insight to understand what could happen next, and help us decide what to do about it.

What you'll be doing Working closely with our Risk, Finance, Operations and Product teams, you’ll turn complex data into practical recommendations that influence business strategy.

You’ll:

• Build driver based portfolio forecasts and help establish a new forecasting capability within OnDeck
• Analyse how changes in credit policy, pricing, marketing, channel mix, fraud controls and customer behaviour could impact portfolio performance
• Develop and enhance expected loss forecasting and provisioning methodologies in line with AASB 9 / IFRS 9
• Identify emerging portfolio risks, trends and commercial opportunities
• Develop and implement credit strategy optimisations that drive sustainable growth and profitability
• Conduct scenario and sensitivity analysis to support strategic planning and executive decision making
• Analyse opportunities across credit strategy, pricing, fraud, collections and the customer funnel
• Assess existing credit policies and recommend improvements
• Turn complex analysis into clear, actionable insights for senior stakeholders and executives

What we're looking for You’ll be naturally curious, commercially minded and comfortable getting into the detail while still seeing the bigger picture.

Ideally, you'll bring:

• A Bachelor's degree in Economics, Actuarial Studies, Finance, Business, Mathematics, Statistics or a related discipline
• 3+ years' experience in a commercially focused analytical role, such as lending, management consulting, strategy or corporate development
• Strong analytical and problem solving capability
• Strong Excel and SQL skills
• Experience with at least one analytical language or platform such as R, SAS or SPSS
• A high level of attention to detail and commitment to data accuracy
• Confidence working with stakeholders across different areas of a business, including C-Suite executives
• The ability to work autonomously, manage competing priorities and meet deadlines
• Most importantly, intellectual curiosity and a genuine desire to understand what is driving the numbers

Why OnDeck?

We’re one of Australia's largest locally owned online small business lenders, and we've helped thousands of Australian businesses access the funding they need to grow.

We challenge conventional thinking, use technology and real-time data to make smarter lending decisions, and believe great people should have the opportunity to make a genuine impact on the business.

• Real impact, your analysis and recommendations will directly influence lending and portfolio strategy
• Exposure to senior leadership and the opportunity to influence important commercial decisions
• An open minded, collaborative and fast paced environment
• Hybrid working, with the option to work from home one day per week
• A great Sydney CBD location
• A fully stocked kitchen with snacks and drinks
• Regular team events
• Ongoing health and wellbeing initiatives
• A team that will challenge you, support you and celebrate great work

If you're looking for an analytical role where you can build, influence and make a measurable commercial impact, we'd love to hear from you.