Overview
Moula was founded in 2013 to help hard-working business owners in Australia access the business finance they need to grow. We are a team of finance industry experts, dedicated to using technology to simplify small business finance.
About the position
About the position
Moula is seeking an experienced credit professional to join our team and contribute to delivering high-quality credit outcomes. In this role, you will use your understanding of business financials and cash flow, along with your underwriting expertise, to make sound credit and risk decisions. You will also play a key role in supporting internal teams and broker partners with clear, timely, and customer-focused service.
Key Responsibilities
Manage the end-to-end credit assessment process for loan applications up to $500,000
Review funding applications in line with credit criteria, lending policies, and risk appetite
Apply sound judgement and consider alternative approaches to structuring credit solutions that suit individual circumstances
Ability to communicate credit decisions and supporting rationale clearly to internal teams
Ensure compliance with all regulatory and legislative requirements, as well as Moula's internal risk and compliance standards
Conduct underwriting in compliance with AML/KYC, the Privacy Act, and all relevant legislation governing business lending
Promote and contribute to a strong risk culture by reducing inconsistencies, preventing uninformed risk-taking, and ensuring accuracy in credit assessments
About you
Minimum 4 years experience in commercial credit, working with a range of business structures
Demonstrated experience in reviewing business bank statements and assessing cash flow–based lending
Current Delegated Lending Authority (DLA/CAL)
Ability to support and mentor junior members of the team, assisting with all areas of the underwriting process
Strong understanding of SME lending and business finance
Excellent communication skills with the ability to build and maintain strong relationships
High level of financial acumen, attention to detail, and follow-up
Commitment to career development and continuous improvement
Self-motivated, proactive, and able to work effectively in a fast-paced, evolving environment
Reports to
Credit Team Lead
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Finance
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📌 Senior Credit Analyst
🏢 Moula
📍 Melbourne