Credit Risk 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!

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.

• 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

• 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, with 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, with the ability to translate business problems into practical, data-driven solutions
• A growth mindset and eagerness to learn in a fast-paced environment, balancing commercial outcomes with prudent risk management
• Strong communication and stakeholder management skills, with the ability to explain complex concepts clearly

As a busy grow getter, our benefits are here to help you be unstoppable in your mission. Whether it's a lofty career goal, investing in your family, saving the planet or simply feeling fulfilled:

• Growth: There's something for everyone including learning days, a learning allowance, leadership programs, CliftonStrengths workshops, digital learning, and biannual companywide learning weeks.
• Wellbeing: Think fitness initiatives, seasonal programs (including flu shots, massages, skin checks, wellness classes), additional "Me Days" and access to holistic EAP coaching.
• Lifestyle: Find your fit with flexible working options, top notch office facilities and diverse remote/ travel work options. You can also purchase additional leave and take up to 18 weeks paid parental leave.
• Impact: Join a business that cares and is recertified as carbon neutral. And you can tap into volunteer days, our partnership with Kiva and join a range of employee resource groups.

We're proud to be a certified Great Place to Work and recognised 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 just take our word for it, check out Prospa’s culture code to see it for yourself.