Credit Risk Analyst

This role is a unique opportunity for a detail-oriented professional to step beyond individual application assessment and gain exposure to the broader risk framework.

You will play a key role in validating our automated decisions, identifying trends, and contributing to projects that enhance our credit risk systems and strategies. If you are eager to apply your credit fundamentals in a role that values curiosity, lean thinking, and professional growth, we would love to have you on our journey.

Who Is Lumi?

We’re a leading Fintech small business lender fuelling growth by making finance more accessible.

We deliver fast & flexible funding designed to meet the unique needs of Australian businesses. With over $1.5 billion funded since 2018 and backing for 15,000+ small businesses, we're trusted for our speed, high quality service, and tailored approach.

Working At Lumi

We are building a culture where you can grow and make a difference for customers. We are looking for people to join us on this journey who are passionate, curious and great problem-solvers.

We are incredibly proud of our awards, including most recently our Deputy CEO, Anna Hawter, receiving the Finnies’ 2025 Outstanding FinTech Leader of the Year award. We also ranked in the top #3 on the 2024 Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list, 2023 Best Workplace Diversity Award by FinTech Australia and the 2022 Empowering Innovation Affie Award. We also ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia.

We foster a workplace where everyone feels a sense of belonging and respect and can reach their full potential. If you need any adjustments for a fair recruitment process, please let us know when applying.

Our Values

Egos at the door

We own. We don’t judge. We don’t blame. We are open. We are in this together. We are respectful.

See the customer

We show up. We understand. We anticipate. We do what we say. We genuinely focus on solutions.

Think lean

We make things simple. We are resourceful. We understand the problem. We think ahead.

Learn to grow

We are curious. We challenge. We try. We fail forward. We learn. We try again.

The Role

• Primarily conduct analysis and reviews of individual applications to validate Lumi’s automated decisioning process.
• Prepare and generate regular reports and develop clear and concise presentations to communicate insights and findings to stakeholders effectively.
• Analyse data, identifying trends, patterns and potential areas of concern. Provide valuable recommendations to enhance our risk management and automation strategies.
• Participate in initiatives to enhance our streamlined credit risk decisioning process, contributing to increased efficiency and accuracy in our credit risk function.
• Support various credit risk projects, including the enhancement of credit risk systems and automated decisioning processes.

This Person Is Someone With…

• Previous working experience as a Credit Analyst/Underwriter operating within a DLA is essential.
• Experience with SME credit assessment and an understanding of the SME market is preferred.
• Tertiary qualification in Finance, Economics, Mathematics, Statistics, or a related field (or equivalent relevant experience)
• Strong understanding of financial concepts and credit risk fundamentals.
• Basic knowledge of SQL, Python and/or visualization tools (e.g., Tableau, PowerBI) is considered an advantage.
• Excellent attention to detail, and strong analytical and problem-solving skills.
• Strong communication and presentation abilities.

Perks & Benefits

Wellbeing: Free counselling, seasonal activities, Wellbeing Allowance, wellness room, flu shots

Work Life: Home Workspace Allowance, Purchased Leave, Parental Leave, Parental Flex Leave, Lumi Life Leave for challenging events, breastfeeding/expressing space

Social & Food: Monthly lunches, regular celebrations, stocked kitchen, beer & kombucha on tap, board games, rooftop BBQs

Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions

Community Support: Paid volunteer leave, diversity celebrations, company volunteer days

Career & Growth: Rapid advancement opportunities, higher education sponsorship, hackathons