Job Description

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At Stay Finance, we're transforming the way Australians access finance. As a growing fintech lender, we're building a modern digital lending platform that delivers a faster, simpler and more transparent borrowing experience .

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We're looking for a Credit Analyst to assess loan applications, manage credit risk and help us deliver responsible lending outcomes.

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This is an opportunity to join a fast-moving fintech where you'll have genuine responsibility, a voice in how we operate and the opportunity to see the direct impact of your work.

What You'll Be Doing n

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Assess and make decisions on consumer loan applications.

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Analyse income, expenses, liabilities, credit history and bank transactions.

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Review supporting documentation and identify inconsistencies or potential fraud.

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Apply credit policy and responsible lending requirements.

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Make sound, commercially balanced credit decisions.

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Escalate complex or higher-risk applications where appropriate.

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Maintain accurate records of credit assessments and decisions.

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Work with operations and customer-facing teams to resolve application queries.

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Contribute to improving credit policies, processes and lending strategy.

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About You n

You're analytical, detail-oriented and comfortable making decisions based on information. You enjoy solving problems, asking the right questions and taking ownership of your work.

Essential Skills & Experience n

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Recent graduate with a degree in Finance, Commerce, Business, Economics, Accounting, Mathematics, Statistics, Data Science, or a related field

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Robust numerical and analytical skills, with the ability to interpret information and identify patterns.

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Excellent attention to detail and a methodical approach to reviewing applications and information.

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Robust problem-solving and critical-thinking skills.

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Confident working with numbers, spreadsheets and data.

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Ability to assess information objectively and make decisions based on established guidelines.

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Strong written and verbal communication skills.

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Highly organised, reliable and able to manage multiple tasks in a quick-paced environment.

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Fast learner with a genuine interest in finance, lending and financial technology.

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Comfortable learning new systems, software and processes.

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Ability to work independently, take ownership of tasks and contribute to a team.

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Desirable nn
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Previous experience in lending or credit.

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Exposure to reviewing bank statements or financial information.

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Basic understanding of credit risk and responsible lending.

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Previous experience in banking, finance or financial services.

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Solid interest in fintech and consumer lending.

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Why Join Stay Finance? n

At Stay Finance, your work won't disappear into a backlog. You’ll have the opportunity to build products and processes that are used every day and make a meaningful impact on the business.

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We offer:

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The opportunity to influence credit policy and lending strategy.

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Genuine ownership and responsibility.

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A collaborative, fast-paced fintech environment.

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Exposure to the full lending lifecycle.

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Opportunities to grow as the business scales.

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If you're looking for a credit role where you can make decisions, solve problems and see the direct impact of your work , we'd love to hear from you.

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📌 Credit Analyst (Sydney)
🏢 Stay Finance
📍 Sydney