Credit Analyst

At Prospa, we exist to unleash the potential of small business. We are building the future of small business and simplifying cashflow by building a leading platform that helps customers make payments, fund growth and reduce admin. Join us!

The role

We’re looking for a dynamic Credit Analyst to join our team and help us shape the future of small business lending. In this role, you’ll evaluate loan applications using your credit expertise to assess their creditworthiness. You’ll make informed decisions by recommending or approving loans that align with Prospa’s risk appetite and underwriting policy. Additionally, you’ll collaborate exclusively with internal stakeholders to keep things moving.

What you’ll be doing

Decisioning applications within DLA in a timely manner.

Recommending for approval or decline on loans outside of DLA in a timely manner.

Review credit reports, bank statements, tax statements, and other reports to determine degree of risk involved with providing business loans.

Identify and help implement process improvements.

Conduct credit calls directly with applicants where required.

What you’ll need to succeed

Previously held a DLA.

Experience in business lending is advantageous.

Experience with financial statement analysis is not essential but a strong plus.

Strong analytical and problem‑solving skills.

Strong attention to detail.

Outstanding written and verbal communication skills.

Ability to work directly with various internal and external stakeholders.

Experience in a high‑pressure environment working to deadlines.

Location : Sydney

This position is based in Sydney.

What we offer :

Growth : Learning days, learning allowance, leadership programs, Clifton Strengths workshops, digital learning, and biannual company‑wide learning weeks.

Wellbeing : Fitness initiatives, seasonal programs (including flu shots, massages, skin checks, wellness classes), additional “Me Days” and access to holistic EAP coaching.

Lifestyle : Flexible working options, top‑notch office facilities, diverse remote / travel work options, additional leave purchase and up to 18 weeks paid parental leave.

Impact : Join a carbon‑neutral business, volunteer days, partnership with Kiva, and employee resource groups.

Why Prospa?

We’re proud to be a certified Great Place to Work and recognized as a Best Workplace for Women, Best Workplace in Technology, and Best Workplace in Australia. We embrace diversity in people and ideas, fostering a collaborative, inclusive, and respectful environment where we celebrate who you naturally are.

Don’t let a confidence gap get in the way of submitting your application.

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