Are you someone looking for your next step, something recent to sink your teeth into and make real impact? Come and join an innovative fintech and gain real growth in a forward-thinking Risk team...

Lumi is looking for our first ever Credit Policy & Assurance Manager...

WHO IS LUMI?

We are a leading Fintech small business lender fuelling growth by making finance more accessible. We deliver fast & adaptable 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 have ranked in the top #3 on the Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list. We ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia. We are also WeMoney’s Small Business Lender of the Year – two years running.

We foster a workplace where everyone feels a sense of 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.

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

- Lead a team responsible for reviewing lending decisions and assessing compliance with lending guidelines and standards
- Identify trends, policy breaches or process gaps through structured quality reviews, and recommend practical improvements
- Own and maintain credit risk policy, underwriting guidelines and product policy end-to-end
- Run the periodic policy review cycle, keeping documentation current and audit-ready
- Investigate and quantify the impact of policy changes, using data to support findings before recommending or implementing updates
- Resolve underwriting queries and feed practical learnings back into policy and guideline updates
- Partner with product and Credit teams on new policy as products evolve
- Track relevant regulatory and responsible-lending developments and translate them into policy updates




- Act as a key point of contact for internal and external audit on quality and policy governance
- Coach and develop team members, fostering a culture of continuous improvement

THIS PERSON IS SOMEONE WITH…

- Robust experience in credit risk, credit assessment, quality assurance or credit policy within a bank or non-bank lender
- Demonstrated experience in a role with people leadership or mentoring responsibility, or clear readiness to step into a first-time leadership role
- Demonstrated experience owning or contributing to credit policy, underwriting guidelines or product policy documentation
- Experience engaging with internal or external audit, compliance or regulatory stakeholders
- Excel and data querying skills, with the ability to investigate and interpret the impact of policy changes
- Business lending experience is desirable

PERKS & PERKS

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, celebrations, company volunteer days

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

📌 Credit Policy & Assurance Manager (Sydney)
🏢 Lumi
📍 Sydney