Credit Risk Analyst Job at Prospa (Sydney)

Credit Risk Analyst

Prospa

Location:
Australia , Sydney

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

We’re looking for a Credit Risk Analyst to join our Originations Credit Risk team. Reporting to the Senior Credit Risk Manager – Originations, you’ll play a key role in shaping Prospa’s credit decisioning framework to support sustainable portfolio growth while maintaining strong risk controls. You’ll work closely with fellow analysts and senior stakeholders to build and optimise credit scorecards, monitor early performance and loss indicators, and provide data-driven insights that influence credit strategy, product decisions and go-to-market initiatives. This role sits within the Credit Strategy & Commercial function and partners closely with Product, Data, Technology and Credit Operations teams.

Job Responsibility:

Contribute to the development, testing and optimisation of credit scorecards and originations decisioning strategies
Analyse application trends, approval rates and early performance indicators
Monitor early loss indicators and identify emerging risks and growth opportunities
Produce regular reporting and dashboards to track originations performance
Partner with Product, Data, Technology and Credit Operations to support credit policy changes and understand downstream impacts
Support commercial and product strategy initiatives with credit risk insights
Contribute positively to team culture and continuous improvement initiative

Requirements:

1–3 years’ experience in credit risk, analytics or a related quantitative role (or strong technical skills and the aptitude to learn)
Strong SQL capability
Exposure to tools such as Power BI, Python or similar considered a plus
Exposure to credit decisioning, scorecards or lending analytics is desirable
Strong analytical thinking and attention to detail
Ability to translate business problems into practical, data-driven solutions
A growth mindset and eagerness to learn in a fast-paced environment
Ability to balance commercial outcomes with prudent risk management
Strong communication and stakeholder management skills
Ability to explain complex concepts clearly

What we offer:

Learning days
Learning allowance
Leadership programs
CliftonStrengths workshops
Digital learning
Biannual companywide learning weeks
Fitness initiatives
Seasonal programs (including flu shots, massages, skin checks, wellness classes)
Additional “Me Days”
Access to holistic EAP coaching
Flexible working options
Top notch office facilities
Diverse remote/ travel work options
Purchase additional leave
Up to 18 weeks paid parental leave
Volunteer days
Partnership with Kiva
Employee resource groups

Additional Information:

Job Posted:
April 12, 2026

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