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About the Role
This role sits at the intersection of quality assurance and credit policy, reviewing lending decisions against standards, catching trends and gaps, and owning the policy that keeps underwriting sharp and audit-ready. The team will review decisions, resolve underwriting queries, and translate findings into practical policy updates while staying ahead of the regulatory and responsible-lending landscape.
Responsibilities
- Lead a team responsible for reviewing lending decisions and assessing compliance with lending guidelines and standards
- Identify trends, policy breaches or process gaps through structured quality reviews, and recommend practical improvements
- Own and maintain credit risk policy, underwriting guidelines and product policy end-to-end
- Run the periodic policy review cycle, keeping documentation current and audit-ready
- Investigate and quantify the impact of policy changes, using data to support findings before recommending or implementing updates
- Resolve underwriting queries and feed practical learnings back into policy and guideline updates
- Partner with product and Credit teams on new policy as products evolve
- Track relevant regulatory and responsible-lending developments and translate them into policy updates
- Act as a key point of contact for internal and external audit on quality and policy governance
- Coach and develop team members, fostering a culture of continuous improvement
Requirements
- Strong experience in credit risk, credit assessment, quality assurance or credit policy within a bank or non-bank lender
- Demonstrated experience in a role with people leadership or mentoring responsibility, or clear readiness to step into a first-time leadership role
- Demonstrated experience owning or contributing to credit policy, underwriting guidelines or product policy documentation
- Experience engaging with internal or external audit, compliance or regulatory stakeholders
- Excel and data querying skills, with the ability to investigate and interpret the impact of policy changes
- Business lending experience is desirable
Skills
- Credit risk
- Credit assessment
- Quality assurance
- Credit policy
- People leadership
- Mentoring
- Policy documentation
- Audit
- Compliance
- Regulatory
- Excel
- Data querying
- Business lending
Location
- Australia
Work Type
- Full-time
Experience Level
- Leadership experience
- First-time leadership role readiness
Benefits
- Free counselling
- Seasonal activities
- Wellbeing Allowance
- Wellness room
- Flu shots
- Home Workspace Allowance
- Purchased Leave
- Parental Leave
- Parental Flex Leave
- Lumi Life Leave for challenging events
- Breastfeeding/expressing space
- Monthly lunches
- Regular celebrations
- Stocked kitchen
- Beer & kombucha on tap
- Board games
- Rooftop BBQs
- Competitive pay
- Referral bonuses
- Shout-out recognitions
- Paid volunteer leave
- Company volunteer days
- Rapid advancement opportunities
- Higher education sponsorship
- Hackathons
About the Company
- Lumi is 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.
- We are building a culture where you can grow and make a difference for customers.
- We are looking for people who are passionate, curious and great problem-solvers.
- Awards include Finnies’ 2025 Outstanding FinTech Leader of the Year, ranked in the top #3 on the Australian Financial Review BOSS Best Places to Work Banking, Superannuation and Financial Services list, ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia, and WeMoney’s Small Business Lender of the Year – two years running.
- We foster a workplace where everyone feels a sense of respect and can reach their full potential.
- Our Values: Egos at the door, See the customer, Think lean, Learn to grow.
Equal Opportunity
- If you need any adjustments for a fair recruitment process, please let us know when applying.