Join Bizcap, one of Australia’s fastest-growing FinTech companies!

With over $1 billion in loans funded since 2019, Bizcap has earned a reputation for our award-winning products and customer service.
We are proud of our agile, diverse, and high-performing team of over 100 people, and we’ve won multiple awards, including Best for Small Business Loans, Best Workplace Diversity, Best Employee Culture, and Outstanding Customer Service.

Why Join Us?

• Competitive salary of $120,000 - $140,000 per annum (excluding superannuation) plus discretionary end-of-year bonuses.
• Professional development programs and coaching to support your career growth.
• The opportunity to apply your expertise to engage with the APAC market.
• Work closely with a high-performing team, making a real impact on the business.
• Be part of an award-winning workplace culture that values and recognises your contributions.

The Opportunity

Bizcap is looking for a Senior Credit Analyst to join our expanding team. This role is ideal for a commercially minded professional with strong credit risk assessment experience who thrives in a fast-paced lending environment. The successful candidate will be confident in making risk-based lending decisions without solely relying on rigid guidelines or automated models.
Key Responsibilities

• Assess SME loan applications and make independent credit decisions with a balanced risk approach.
• Conduct in-depth analysis of financial statements, credit reports, and risk indicators to determine creditworthiness.
• Structure lending solutions for both secured and unsecured loans, even when they fall outside traditional models.
• Review loan offers and provide insights on portfolio trends and risk exposure.
• Support process improvements and help shape best practices within the Underwriting team.
• Stay informed on economic trends and how they impact credit risk assessment.
• Assist with hardship assessments and provide tailored solutions for clients when required.
• Act as a mentor to junior team members, sharing expertise and fostering development.

About You

• Significant experience in a Credit Analyst, Credit Underwriter, or similar senior role.
• Proven background in credit underwriting, ideally within business lending.
• Strong ability to assess risk without over-reliance on automated models.
• Experience making funding decisions for both secured and unsecured loans.
• Ability to interpret financial statements, with property-backed underwriting knowledge being a plus.
• Previous experience in alternative lending or non-bank financial services is desirable.
• A problem-solver who can structure complex loans outside traditional models.
• Leadership abilities, with experience mentoring or guiding junior analysts.

Applicants from all backgrounds are encouraged to apply.
We welcome applications from skilled candidates and are open to sponsoring under the 482 visa for the right applicant.
Awards & Recognition

• 2024 Certified as a Great Place to Work
• 2023 Finalist – Fintech Australia: Best Workplace Diversity
• 2023 Female Fintech Leader of the Year
• 2022 Winner - WeMoney Awards: Best for Small Business Loans
• 2022 Winner - WeMoney Awards: Outstanding Customer Services – Business Loans
• 2022 Finalist - WeMoney Awards: Best Innovation in Business Lending
• 2021 Finalist - Fintech Australia: Employee Culture and Diversity
• 2020 Finalist - Fintech Australia: Emerging Fintech Organisation of the Year
• 2020 Finalist - Fintech Australia: Excellence in Business Lending
• 2020 Finalist - My Business: Fintech Business of the Year

Join our dynamic and innovative team at Bizcap, where you can make a meaningful impact and grow your career in a fast-paced, high-growth fintech environment.
APPLY NOW! Please note, due to the anticipated volume of applications, only shortlisted candidates will be contacted.