Business Analyst - Credit (Lux)

WHO IS LUMI?

We’re a leading Fintech small business lender fuelling growth by making finance more accessible.

We deliver fast & flexible funding designed to meet the unique needs of Australian businesses. With over $1.5 billion funded since 2018 and backing for 15,000+ small businesses, we're trusted for our speed, high quality service, and tailored approach.

WORKING AT LUMI

We are building a culture where you can grow and make a difference for customers. We are looking for people to join us on this journey who are passionate, curious and great problem-solvers.

We are incredibly proud of our awards, including most recently our Deputy CEO, Anna Hawter, receiving the Finnies’ 2025 Outstanding FinTech Leader of the Year award. We also ranked in the top #3 on the 2024 Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list, 2023 Best Workplace Diversity Award by FinTech Australia and the 2022 Empowering Innovation Affie Award. We also ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia.

We foster a workplace where everyone feels a sense of belonging and respect and can reach their full potential. If you need any adjustments for a fair recruitment process, please let us know when applying.

OUR VALUES

Egos at the door

We own. We don’t judge. We don’t blame. We are open. We are in this together. We are respectful.

See the customer

We show up. We understand. We anticipate. We do what we say. We genuinely focus on solutions.

Think lean

We make things simple. We are resourceful. We understand the problem. We think ahead.

Learn to grow

We are curious. We challenge. We try. We fail forward. We learn. We try again.

THE ROLE

● Facilitating and managing business change including but not limited to rolling out credit policy updates

● Gathering and analysing the data looking for opportunities for improvement

● Driving process improvement projects from beginning to end

● Identifying issues, risks and benefits of existing and proposed solutions and outlining business impacts

● Implementing and testing the solutions

● Documenting and maintaining business processes and procedures

● Conducting quality assurance on credit decisions

THIS PERSON IS SOMEONE WITH

● Experience in process improvement, preferably in or around credit risk function within business lending space.

● Understanding of credit policy components and drivers behind it

● Knowledge of credit assessment drivers

● Ability to present solutions in an organised and structured manner

● Excellent communication skills, both verbal and written

● Experience working for a Fintech or in a closely related sector

● A continuous improvement mindset, and a strong ability to embrace change and thrive from it

PERKS & BENEFITS

Wellbeing: Free counselling, seasonal activities, Wellbeing Allowance, wellness room, flu shots

Work Life: Home Workspace Allowance, Purchased Leave, Parental Leave, Parental Flex Leave, Lumi Life Leave for challenging events, breastfeeding/expressing space

Social & Food: Monthly lunches, regular celebrations, stocked kitchen, beer & kombucha on tap, board games, ping pong, rooftop BBQs

Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions

Community Support: Paid volunteer leave, diversity celebrations, company volunteer days

Career & Growth: Advancement opportunities, higher education sponsorship, hackathons