Credit Analyst

About Stay Finance

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.

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

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

• Assess and make decisions on consumer loan applications.
• Analyse income, expenses, liabilities, credit history and bank transactions.
• Review supporting documentation and identify inconsistencies or potential fraud.
• Apply credit policy and responsible lending requirements.
• Make sound, commercially balanced credit decisions.
• Escalate complex or higher-risk applications where appropriate.
• Maintain accurate records of credit assessments and decisions.
• Work with operations and customer-facing teams to resolve application queries.
• Contribute to improving credit policies, processes and lending strategy.

About You

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

• Recent graduate with a degree in Finance, Commerce, Business, Economics, Accounting, Mathematics, Statistics, Data Science, or a related field
• Strong numerical and analytical skills, with the ability to interpret information and identify patterns.
• Excellent attention to detail and a methodical approach to reviewing applications and information.
• Strong problem-solving and critical-thinking skills.
• Confident working with numbers, spreadsheets and data.
• Ability to assess information objectively and make decisions based on established guidelines.
• Strong written and verbal communication skills.
• Highly organised, reliable and able to manage multiple tasks in a fast-paced environment.
• Fast learner with a genuine interest in finance, lending and financial technology.
• Comfortable learning new systems, software and processes.
• Ability to work independently, take ownership of tasks and contribute to a team.

Desirable

• Previous experience in lending or credit.

• Exposure to reviewing bank statements or financial information.

• Basic understanding of credit risk and responsible lending.

• Previous experience in banking, finance or financial services.

• Strong interest in fintech and consumer lending.

Why Join Stay Finance?

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.

We offer:

• The opportunity to influence credit policy and lending strategy.
• Genuine ownership and responsibility.
• A collaborative, fast-paced fintech environment.
• Exposure to the full lending lifecycle.
• Opportunities to grow as the business scales.

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.

Apply now to join Stay Finance.