Who We Are

At Pepper Money, we've spent more than 26 years helping people achieve their goals. Today, we're one of Australia and New Zealand's leading non-bank lenders, supporting more than half a million customers with a range of lending solutions. While we're proud of our growth and success, it's our people, partnerships and willingness to do things differently that continue to drive us forward.

The Role

Join Pepper Money's Data, Analytics & AI team as a Senior Data Scientist, where you'll help drive smarter lending and credit risk decisions through advanced analytics and modelling. Working closely with Credit Risk, Finance, Product and Technology teams, you'll develop and enhance analytical models, deliver portfolio insights, and support key initiatives across credit risk, scorecards, Expected Credit Loss (ECL) modelling and IFRS 9 reporting.

This is an opportunity to solve complex business problems, influence strategic decision-making, and contribute to innovative, data-driven outcomes across the organisation.

- Develop and enhance credit risk, scorecard and predictive analytical models
- Deliver portfolio performance insights and recommendations to stakeholders
- Support ECL and IFRS 9 modelling, forecasting and provisioning analysis
- Monitor model performance and identify opportunities for optimisation
- Partner with Credit Risk, Finance, Product and Technology teams on key initiatives
- Translate complex analytical findings into practical business recommendations
- Contribute to model governance, validation and continuous improvement activities





About you You're an experienced Data Scientist or Credit Risk Analytics skilled who enjoys using data to solve complex business challenges. You combine strong technical capability with commercial thinking and can confidently communicate insights to both technical and non-technical audiences. With a background in statistical modelling, analytics and modern data tools, you're comfortable taking ownership of your work, collaborating across teams and driving outcomes that make a real impact.

- Degree qualified in Statistics, Mathematics, Actuarial Studies, Data Science, Finance or a related discipline
- Experience in data science, credit risk modelling, portfolio analytics or financial services analytics
- Strong capability with SQL and analytical tools such as Python, R or SAS
- Experience developing, monitoring and improving predictive models or scorecards
- Exposure to ECL, IFRS 9, PD, LGD or related credit risk methodologies is highly regarded
- Strong stakeholder engagement and communication skills
- Ability to translate complex analysis into actionable business insights
- A proactive mindset with a focus on continuous improvement and quality outcomes

Our values guide how we work, make decisions and support each other. Can Do:



We look for better ways of doing things and work together to deliver great outcomes.

Balanced: We set our customers up for success, crafting win-win outcomes that are both human and profitable.

Real: We keep it honest and respect everyone, building genuine connections.

Our Benefits

We know that great work happens when people feel supported. That's why we offer benefits that help you grow your career, recognise your contribution and support your wellbeing, whatever stage of life you're in. Here's a snapshot of what you'll find at Pepper:

- Development: a full suite of development opportunities and a great team to learn from
- Recognition: Celebrate efforts with our Spice Reward and Recognition Program and diversity through our DE&I; initiatives
- Flexibility: Embrace our hybrid working model, flexible parental leave policies and purchased leave options
- Health and Wealth: Free gym membership, discounted health insurance policies, novated leasing and staff loan rates to manage your mind, body and wallet!
- Referral Bonus: Earn $2000 for referring great people.

If this role sounds like it’s for you and you have experience in tackling some of the day-to-day tasks, we want to hear from you.

For more information on Pepper visit www.peppermoney.com.au.

At Pepper, we're proud of the inclusive and diverse workplace we've built over the past 26 years. Creating a culture where people feel respected, supported and able to be themselves is part of who we are. It's reflected in our values, our people practices, and the way we work together every day.

📌 Senior Data Scientist (Sydney)
🏢 Pepper Money
📍 Sydney