Plenti Logo

Plenti

Credit Analyst

Posted 20 Days Ago
Be an Early Applicant
In-Office or Remote
Hiring Remotely in Melbourne, Victoria
Mid level
In-Office or Remote
Hiring Remotely in Melbourne, Victoria
Mid level
As a Credit Analyst at Plenti, you will assess and approve consumer and commercial automotive loan applications, using your analyses of financial data to make informed credit decisions.
The summary above was generated by AI
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 Summary:
The 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 Responsibilities:
Analyse loan applications to assess creditworthiness, using a variety of data sources including credit bureau reports, bank statements, income verification documents and employment history
Evaluate an applicants’ financial stability, repayment capacity and debt-to-income ratios in accordance with Australian lending regulations including the NCCP Act
Assess the validity and accuracy of information provided by applicants and broker referrers, identifying potential fraud or misrepresentation
Adhere to internal credit policies, lending guidelines Conduct quality reviews of customer identification, adhering to all AMF/CTF standards, KYC obligations and company policies
Communicate effectively with team members and internal stakeholders
Provide clear and concise explanations of credit decisions and requirements to external stakeholders 
Adherence to individual KPIs, including a set target of activities to be completed each day
Adherence  to the team SLA requirements set by the business

Key Experience & Qualifications:
Proven experience of at least 4+ years of delegated lending authority, having held a DLA of at least $100K
Deep understanding and expertise in Equifax Comprehensive Credit
Reporting and financial document analysis.
Prior experience in a lending institution or financial services environment is essential
Experience in credit analysis, loan processing or risk management is essential

Competencies & Skills:
Strong analytical and problem-solving skills
Excellent attention to detail
Knowledge of financial analysis and credit risk assessment 
Familiarity with relevant Australian lending regulations
Strong communication skills

What'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. 

Top Skills

Equifax Comprehensive Credit Reporting

Similar Jobs

4 Hours Ago
Easy Apply
Remote
Australia
Easy Apply
Senior level
Senior level
HR Tech • Information Technology • Software
The Senior Software Engineer will improve developer productivity and tooling at Deputy, optimizing the development process and enhancing team capabilities.
Top Skills: Aurora MysqlCircleCIDockerEcrEcsGithub ActionsGoGrpcHashicorp VaultJavaScriptJenkinsKubernetesOpen TelemetryOpenapiPHPRds MysqlRedisTerraform
5 Hours Ago
In-Office or Remote
2 Locations
Senior level
Senior level
Artificial Intelligence • Fintech • Payments • Financial Services • Generative AI
As a Senior DevSecOps Engineer, you will champion security in development, automate secure software delivery, and collaborate across teams to address vulnerabilities.
Top Skills: AWSBashDockerGCPGitlab CiJenkinsKubernetesPythonSplunkTerraform
5 Hours Ago
Easy Apply
Remote
Australia
Easy Apply
Senior level
Senior level
HR Tech • Information Technology • Software
The Senior Product Manager will lead the strategy and development of Deputy's API platform and integration marketplace, focusing on seamless integrations with key systems and improving developer experience.
Top Skills: OauthRest ApisSdksWebhooks

What you need to know about the Melbourne Tech Scene

Home to 650 biotech companies, 10 major research institutes and nine universities, Melbourne is among one of the top cities for biotech. In fact, some of the greatest medical advancements were conceptualized and developed here, including Symex Lab's "lab-on-a-chip" solution that monitors hormones to predict ovulation for conception, and Denteric's vaccine for periodontal gum disease. Yet, the thousands of people working in the city's healthtech sector are just getting started, to say nothing of the tech advancements across all other sectors.

Sign up now Access later

Create Free Account

Please log in or sign up to report this job.

Create Free Account