Join to apply for the Credit Analyst role at PlentiJoin to apply for the Credit Analyst role at PlentiWho is Plenti?Plenti is a fintech lender, providing faster, fairer loans by leveraging its smart technology. Plenti is a dynamic and innovative business that is growing strongly. By continuing to deliver better customer experiences, Plenti is taking market share from incumbent players in the personal lending, renewable energy, and automotive finance markets.Who is Plenti?Plenti is a fintech lender, providing faster, fairer loans by leveraging its smart technology. Plenti is a dynamic and innovative business that is growing strongly. By continuing to deliver better customer experiences, Plenti is taking market share from incumbent players in the personal lending, renewable energy, and automotive finance markets.We are a fast moving and ambitious business that seeks to recruit smart and capable people, who can take ownership of their role to help the business thrive. With over 200 people based in Australia, Plenti is small enough so everyone can make a difference in their role, but we have very big ambitions as a team, as we go about building Australia’s best lender.Plenti is a founder led business that launched in 2014 and is now listed on the ASX, with annual revenue of over $200 million and a loan portfolio of over $2 billion.Role SummaryThe Credit Analyst is responsible for assessing and mitigating the financial risk associated with consumer and commercial automotive loan and unsecured personal loan applications. This role is essential to minimising risk, maintaining regulatory compliance, and verifying borrower information. The Credit Analyst's responsibilities include ensuring that credit policy and risk appetite are met and are in accordance with the NCCP Act, Responsible Lending guidelines, Privacy Act, and ASIC regulations.Key ResponsibilitiesAnalyse loan applications to assess creditworthiness, using a variety of data sources including credit bureau reports, bank statements, income verification documents and employment historyEvaluate an applicants’ financial stability, repayment capacity and debt-to-income ratios in accordance with Australian lending regulations including the NCCP ActAssess the validity and accuracy of information provided by applicants and broker referrers, identifying potential fraud or misrepresentationAdhere to internal credit policies, lending guidelines Conduct quality reviews of customer identification, adhering to all AMF/CTF standards, KYC obligations and company policiesCommunicate effectively with team members and internal stakeholdersProvide clear and concise explanations of credit decisions and requirements to external stakeholdersAdherence to individual KPIs, including a set target of activities to be completed each dayAdherence to the team SLA requirements set by the businessKey Experience & QualificationsProven experience of at least 4+ years of delegated lending authority, having held a DLA of at least $100KDeep understanding and expertise in Equifax Comprehensive CreditReporting and financial document analysis.Prior experience in a lending institution or financial services environment is essentialExperience in credit analysis, loan processing or risk management is essentialCompetencies & SkillsStrong analytical and problem-solving skillsExcellent attention to detailKnowledge of financial analysis and credit risk assessmentFamiliarity with relevant Australian lending regulationsStrong communication skillsWhat's life like at Plenti?Working at Plenti means joining a team that is high-performing, diverse, customer-focused and collaborative. It’s a place where everyone can “make it happen” and share in the results and success. If being in a dynamic industry as part of a market-leading fintech sounds like you, then join to help us reshape Australia’s financial eco-system for the good.In return, you will enjoy a culture of innovation and entrepreneurship to take your career further. We offer flexible working and volunteer and study leave to develop your skills. We also have monthly social events, office snacks, company Townhalls and D&I initiatives and events to help you connect with your colleagues.Plenti is committed to a diverse and inclusive workforce.We encourage people from different backgrounds to apply, including Aboriginal and Torres Strait Islander people and people with disabilities. When you apply, let us know of any reasonable adjustments you may need during the interview process so we can accommodate you.Seniority levelSeniority levelMid-Senior levelEmployment typeEmployment typeFull-timeJob functionJob functionFinance and SalesReferrals increase your chances of interviewing at Plenti by 2xSign in to set job alerts for “Credit Analyst” roles.Melbourne, Victoria, Australia 4 weeks agoMelbourne, Victoria, Australia 1 week agoWe’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.
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