Credit Assessment Officer (Max-Term Contract - 12 months)
Job Title:Credit Assessment Officer (Max-Term Contract - 12 months)Location:North SydneyEmployment Type:Full-TimeIndustry:Financial Services / Consumer Lending
An established consumer lending fintech business is seeking a detail-oriented and commercially minded Credit Assessment Officer to join their Credit Operations team.
In this role, you will assess unsecured consumer loan applications originated through retail partner network.
You will play a critical role in ensuring high-quality credit decisions by verifying applicant information, assessing risk, and applying sound judgement in line with regulatory obligations and internal credit policies.
You'll work cross-functionally with customer service, merchant partners, and internal teams to support fast, timely, accurate, and compliant credit decisions at scale.
Key Responsibilities
Assess and make credit decisions on unsecured personal loan applications in accordance with internal policies and NCCP requirements
Review supporting documentation including income, identification, bank statements, and credit reports
Evaluate creditworthiness using bank transaction data and comprehensive credit reporting (CCR) insights
Liaise with applicants and retail partners to obtain additional information and resolve application queries
Conduct fraud and AML/CTF checks as part of the assessment process
Make approval, decline, or conditional lending decisions based on risk analysis and policy guidelines




Maintain high standards of accuracy, compliance, and turnaround times in a high-volume environment
Collaborate with Customer and Merchant Services teams, including supporting collections activities where required
Contribute to continuous improvement of credit decisioning and operational processes
About You
Proven experience in credit assessment, loan processing, or underwriting within consumer lending (unsecured preferred)
Strong understanding of Australian consumer credit regulations, including NCCP, RG209, and Privacy requirements
Experience interpreting bank transaction data and credit bureau (CCR) reports
Comfortable working with digital loan origination systems and automated decisioning tools
Strong analytical skills with high attention to detail
Excellent written and verbal communication skills
Ability to manage competing priorities in a fast-paced, high-volume environment
Flexibility to work shifts, including weekends, as required
Experience in retail finance or merchant-originated lending is highly desirable
Must possess full Australian work rights without requiring visa sponsorship
What you will get in return?
Market-competitive salary aligned with market standards
Flexible working arrangements
A collaborative and high-performance team culture
Career growth opportunities within a scaling fintech lending business
Ongoing training and professional development
#J-*****-Ljbffr

📌 Credit Assessment Officer (Max-Term Contract - 12 Months) (Sydney)
🏢 Avyaya Consulting
📍 Sydney