Job Description
Company Description
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Want to join an innovative risk team
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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.
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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.
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We are looking for someone who can:
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Assure: Lead structured quality reviews and pinpoint trends, breaches and process gaps.
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Own: Maintain credit risk policy, underwriting guidelines and product policy end-to-end.
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Translate: Turn regulatory change and underwriting learnings into policy that actually works on the ground.
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If you love sitting at the intersection of Credit Risk and Governance, this is for you.
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WHO IS LUMI?
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We are 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 **** and backing for 15,000+ small businesses, we're trusted for our speed, high quality service, and tailored approach.
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WORKING AT LUMI
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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' **** 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.
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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.
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OUR VALUES
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Egos at the door
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We own. We don't judge. We don't blame. We are open. We are in this together.
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See the customer
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We show up. We understand. We anticipate. We do what we say. We genuinely focus on solutions.
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Think lean
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We make things simple. We are resourceful. We understand the problem. We think ahead.
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Learn to grow
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We are curious. We challenge. We try. We fail forward. We learn. We try again.
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Job Description
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THE ROLE
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Lead a team responsible for reviewing lending decisions and assessing compliance with lending guidelines and standards
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Identify trends, policy breaches or process gaps through structured quality reviews, and recommend practical improvements
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Own and maintain credit risk policy, underwriting guidelines and product policy end-to‐end
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Run the periodic policy review cycle, keeping documentation current and audit‐ready
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Investigate and quantify the impact of policy changes, using data to support findings before recommending or implementing updates
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Resolve underwriting queries and feed practical learnings back into policy and guideline updates
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Partner with product and Credit teams on new policy as products evolve
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Track relevant regulatory and responsible‐lending developments and translate them into policy updates
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Act as a key point of contact for internal and external audit on quality and policy governance
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Coach and develop team members, fostering a culture of continuous improvement
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Qualifications
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THIS PERSON IS SOMEONE WITH...
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Solid experience in credit risk, credit assessment, quality assurance or credit policy within a bank or non-bank lender
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Demonstrated experience in a role with people leadership or mentoring responsibility, or clear readiness to step into a first‐time leadership role
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Demonstrated experience owning or contributing to credit policy, underwriting guidelines or product policy documentation
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Experience engaging with internal or external audit, compliance or regulatory stakeholders
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Excel and data querying skills, with the ability to investigate and interpret the impact of policy changes
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Business lending experience is desirable
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Additional Information
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BENEFITS & PERKS
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Wellbeing: Free counselling, seasonal activities, Wellbeing Allowance, wellness room, flu shots
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Work Life: Home Workspace Allowance, Purchased Leave, Parental Leave, Parental Flex Leave, Lumi Life Leave for challenging events,
breastfeeding/expressing
space
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Social & Food: Monthly lunches, regular celebrations, stocked kitchen, beer & kombucha on tap, board games, rooftop BBQs
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Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions
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Community Support: Paid volunteer leave, celebrations, company volunteer days
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Career & Growth: Rapid advancement opportunities, higher education sponsorship, hackathons

📌 Credit Policy & Assurance Manager (New South Wales)
🏢 Lumi
📍 New South Wales