Loan Data Analyst (Credit Decisioning Focus)

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TYPE OF WORK

Any

SALARY

750 per month

HOURS PER WEEK

38

DATE UPDATED

Apr 17, 2026

JOB OVERVIEW

About the Role

We are an Australian-based private lender seeking a highly detail-oriented Loan Data Analyst with experience working alongside credit decisioning frameworks or rule books.

This role goes beyond basic data review — you will play a key part in structuring financial data in line with credit policy, ensuring our assessors can make fast, consistent, and responsible lending decisions.

Key Responsibilities

• Review and analyse customer bank transaction data (last 90 days)
• Categorise income, expenses, and liabilities in line with internal credit rules
• Apply and interpret credit policy / rulebook guidelines to real customer data
• Identify financial behaviours such as:

Gambling activity
BNPL usage
Payday lending / wage advances
Overdraft reliance
• Prepare clear, structured summaries aligned to decisioning requirements
• Flag inconsistencies, risks, or policy breaches for escalation
• Support continuous improvement of credit rules and data structuring processes
• Maintain strict privacy, confidentiality, and data handling standards
What We’re Looking For

• Experience working with credit rulebooks, decisioning frameworks, or lending policies
• Background in lending, fintech, credit risk, or financial data analysis
• Strong understanding of:

Income verification
Expense analysis
Liability assessment
Responsible lending principles
• Proven ability to identify patterns, anomalies, and risk indicators in transaction data
• High attention to detail and structured thinking
• Ability to follow and apply rules consistently (not just interpret data)
• Strong written English and ability to present clear, logical summaries
Important – Privacy & Data Handling

You will be working with sensitive financial data. All work must be completed in line with strict privacy and confidentiality requirements.
No customer data is to be stored, shared, or used outside of authorised systems.

Application Requirement (Mandatory)

To be considered for this role, you must provide:

A sample of a credit rulebook, decisioning framework, or policy you have previously worked with
This can be anonymised or redacted if required
It should demonstrate how decisions are made (e.g. income rules, expense thresholds, risk flags)
Examples of categorised transaction data, ensuring:
All personal information is removed or anonymised
No real customer names, account numbers, or identifiable details
Clear grouping of transactions (e.g. income, rent, utilities, gambling, BNPL, discretionary spending)

Applications without these examples will not be considered.

Why Join Us?

• Work with a fast-growing Australian lender building a scalable credit model
• Be part of a structured, data-driven decisioning environment
• Long-term opportunity with growth into credit risk and policy development
• High-impact role influencing how lending decisions are made

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