About the role

We are seeking an experienced Financial Business Analyst with strong Australian auto finance experience to join our team. This role will work closely with Australian clients and internal stakeholders to understand business requirements, translate complex financial and lending processes into clear system requirements, and collaborate with development and testing teams to deliver high-quality solutions.

The ideal candidate will have a strong understanding of Australian auto finance, asset finance or consumer lending, with particular expertise in financial calculations, loan and lease products, accounting processes and payment systems.

Key responsibilities

- Lead requirements gathering and business analysis with Australian clients, including automotive finance companies, banks, dealer groups and other financial institutions.
- Work closely with internal stakeholders across Sales, Risk, Finance and Operations to understand business needs and priorities.
- Develop a deep understanding of Australian automotive finance business processes and identify opportunities to improve and optimise existing workflows.
- Translate high-level or ambiguous business needs into clear, structured and actionable product and system requirements.
- Facilitate workshops and discussions with business stakeholders, including senior stakeholders and subject matter experts (SMEs).
- Take ownership of requirements relating to complex financial calculation and accounting functions, including loan and lease calculations, amortisation schedules, balloon payment and residual value calculations, APR and comparison rate calculations,



and dealer and broker commission calculations.
- Translate business requirements into high-quality Business Requirements Documents (BRDs), Functional Specification Documents (FSDs) and User Stories.
- Define clear and measurable Acceptance Criteria for system functionality.
- Work closely with Product Managers, Solution Architects, Developers and other technical teams to ensure requirements are clearly understood and correctly implemented.
- Work with QA and testing teams to develop test scenarios and test cases covering financial calculations, accounting rules and business processes.

About you

- 3–5+ years of Business Analyst experience in Australia, preferably within Auto Finance, Asset Finance, Consumer Finance or related financial services.
- Strong understanding of Australian automotive finance products and business processes.
- Experience with one or more of the following products: Consumer and Commercial Loans, Novated Leases, Chattel Mortgages, Operating Leases, Finance Leases.
- Experience working with lending origination, servicing, payments or financial accounting systems.
- Strong understanding of financial calculation logic, including compound interest, principal and interest repayment calculations, amortisation,



balloon and residual value calculations, yield and rate calculations, APR and comparison rates.
- Solid mathematical and analytical capability, with the ability to understand complex financial models and translate calculation logic into clear requirements for development teams.
- Advanced Excel skills, with the ability to build and validate complex financial calculation models.
- Sound understanding of accounting principles, including debits and credits, General Ledger (GL) postings, month-end closing, transaction reversal, reconciliation processes and accounting system logic.
- Understanding of the Australian consumer credit and lending regulatory environment, including the National Consumer Credit Protection (NCCP) Act, responsible lending obligations and relevant ASIC requirements.
- Familiarity with Australian payment and clearing systems, particularly BECS Direct Debit, NPP and PayTo.
- Proficiency with business analysis and requirements management tools such as Jira and Confluence.
- Experience working with offshore or distributed development teams.
- Experience working within Agile software development environments.
- Excellent written and verbal English communication skills, with the ability to confidently lead workshops and requirements discussions with Australian clients, senior stakeholders and business SMEs.
- Strong stakeholder management and facilitation skills.
- Mandarin Chinese communication skills to facilitate effective communication and collaboration with China-based development and delivery teams.

📌 Financial Business Analyst – Auto Finance (North Sydney)
🏢 AMARSOFT
📍 North Sydney