Help Lumi strengthen the backbone of our lending decisions....While our frontline teams make the calls, we need you to make sure those calls hold up — today and under scrutiny. This role sits at the intersection of quality assurance and credit policy: reviewing lending decisions against our standards, catching the trends and gaps before they become problems, and owning the policy that keeps our underwriting sharp and audit-ready.
You and your team will be reviewing decisions, resolving underwriting queries, and turning what you find into practical policy updates — while staying ahead of the regulatory and responsible-lending landscape.
We are looking for someone who can:
Assure:
Lead structured quality reviews and pinpoint trends, breaches and process gaps.
Own:
Maintain credit risk policy, underwriting guidelines and product policy end-to-end.
Translate:
Turn regulatory change and underwriting learnings into policy that actually works on the ground.
If you love sitting at the intersection of Credit Risk and Governance, this is for you.
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 **** 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 outstanding problem-solvers. We are incredibly proud of our awards, including most recently our Deputy CEO, Anna Hawter, receiving the Finnies' **** 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 **** 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.
Job Description
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
Qualifications
Strong 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
Additional Information
BENEFITS & 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
Career & Growth: Rapid advancement opportunities, higher education sponsorship, hackathons
#J-*****-Ljbffr

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