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.
Job Description
The Role
- Conduct credit analysis on a broad range of commercial credit applications, including reviewing bank statements, credit reports and financial statements
- Make lending decisions in line with a Delegated Lending Authority (DLA), credit policy and risk appetite
- Work closely with the sales team and liaise with brokers and customers to obtain information for assessment
- Identify areas for improvement and provide feedback to business stakeholders
- Ability to manage high volumes and prioritise tasks
This Person Is Someone With…
- Previous working experience as a Credit Analyst/Underwriter operating within a DLA (Essential)
- Experience with SME credit assessment and an understanding of the SME market (Preferred)
- Excellent communication skills, both verbal and written
- A continuous improvement mindset, embracing change and thriving 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, rooftop BBQs
Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions
Community Support: Paid volunteer leave, diversity celebrations, company volunteer days
Career & Growth: Rapid advancement opportunities, higher education sponsorship, hackathons
Lumi (lumi.com.au) Sydney, New South Wales, AUS Office
Level 23 / 227 Elizabeth Street, Sydney, New South Wales, Australia, 2000
