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
- Robust 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.

At OnDeck, you'll enjoy:

- 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

Additional information

- Shape lending strategy with forecasting and analytics
- Work with senior leaders across key business teams
- Make a real impact on small business lending

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📌 Portfolio Forecasting Analyst (New South Wales)
🏢 WorkTrybe
📍 New South Wales