Credit Portfolio Analyst at Plenti

Credit Risk Operations, Full-time, Sydney sydney analytics full-time
Posted 22 days ago

Why Plenti?

We believe the financial system has become bloated and inefficient so we’re using technology and data to give value - and power - back to the consumer. Our ambition is huge and the only way we can achieve it is by bringing together the best people in the world. That's where you come in.

Who are we?

Plenti is Australia's leading technology-led consumer lending and investment business. We are on a mission to challenge the status quo. We have opened-up consumer credit to everyday Australians. We are also disrupting the automotive, renewable energy, personal and legal loan markets. We’ve funded $1bn+ in loans and earlier this year we listed on the ASX, raising funds to help take our business to the next level.

What will you be responsible for?

  • Working within the risk analytics team, designing, developing and implementing risk strategies and initiatives to grow the Plenti loan portfolio while controlling overall losses.
  • Working across all credit processes identifying opportunities to automate and improve operational efficiencies
  • Create and maintain reports on key risk metrics, concentrations, and stratifications of the loan portfolio;
  • Anticipate regulatory risk regularly monitoring the regulatory landscape;
  • Prepare ad-hoc risk management reports as assigned;
  • Effectively interacting and collaborating with colleagues from across all functions of the business including compliance, technology, marketing, operations, and finance.
  • Proactively monitor and identify changes within key metrics and trends diagnosing problems and identifying opportunities for improvements and corrections.
  • Prepare industry analysis as well as annual and interim credit reports.
  • What type of background will make you successful?

  • Ideally you will have a Bachelor’s degree or higher within either, Computer Science, Math, Statistics, Engineering, Economics or similar quantitative field of study.
  • You must possess a general understanding of consumer credit products and require 2-3 years of experience in credit analysis.
  • Familiarity with credit policies and standards as well as relevant regulations and compliance issues;
  • Demonstrated ability to perform analysis on substantial data sets within SQL,SAS Excel or similar analytics
  • It is essential you will  possess solid written as well as verbal communication skills for effective presentations and working relationships with all levels of management across various departments;
  • Willingness to work in an environment of uncertainty with significant autonomy.
  • Flexibility: The credit portfolio analyst job requires flexibility to shift from task to tasks, and to handle various projects
  • What's life like at Plenti?

    • We value openness and ideas more than anything else - it doesn't matter who you are in the business, we want your input
    • Your career at Plenti is what you make it - there are Plenti of career opportunities to match your own plan for growth - so you can grab them and run
    • A phenomenal group of driven and intelligent colleagues
    • A sincere purpose which every person truly believes in
    • Flexible working arrangements
    • Monthly company events
    • Employee Assistance Program
    • Sometimes we even head out and race boats against one another!
    • Ultimately, a hard working but enjoyable environment, where everyone strives to ensure we offer great products to customers and grow rapidly