Credit Analyst

About MONEYME:

MONEYME is a founder-led digital lender and Certified B Corporation. We challenge the traditional ways of credit and simplify the borrowing experience with digital-first experiences that meet the needs of modern consumers. We offer a range of fast, flexible, and competitively priced products that span our customers’ credit lifecycle, including personal loans, credit cards, and car loans. We deliver unrivalled customer experiences powered by smart technology, speed and efficiency.

We are for ambitious Australians that expect more from life and the companies they engage with. We uphold a strong ethos of sustainability and hold ourselves accountable to the high standards of the B Corp movement. Our culture is energetic and driven, and we continually challenge the status quo… we’re nothing like your traditional finance institution. We have recently been certified as a B Corp and a Great Place To Work. We’re proud to have built a culture where people feel heard, cared for, and empowered to push boundaries. We wouldn’t be able to continually improve and grow as a company without our diverse and exceptional team.

What we are looking for:

The Credit Analyst position will be responsible for day-to-day business operations in both customers. The underwriting aspect of the role fundamentally involves credit risk assessment on secured and unsecured loans. It is an inherent part of the role to deliver quality customer service experience over the phone, and email with customers.

Responsibilities for these positions include:

• Manage all business operations that involve customer interactions.
• Own customer support interactions from start to finish and use metrics to streamline and improve them to go beyond.
• Underwrite, analyze, and assess credit applications within the boundaries of your delegated authority.
• Ensure credit decisions are responsible and compliant with all legislative requirements.
• Conduct credit risk assessment on unsecured/secured personal loans following MONEYME’s lending criteria and legislative requirements.
• Deliver the best customer service experience in all forms of communications, including but not limited to phones and emails.
• Communicate with customers on a day-to-day basis, which may cover a raft of transactions, including credit enquiries - through direct calling, SMS, and email. All communications will be well constructed, as close to real time as possible and have a positive impact on the customer and brand.
• Traverse between MONEYME, My OzMoney, SocietyOne and other brands as it is necessary to do so.
• Seek guidance from peers and leaders and escalate appropriate matters to deliver better outcomes.
• Protect customer information and sensitive data always.
• Stay up to date and maintain compliance on all other legislative requirements.
  
  

To be successful in this role you must have the following:

• Must have prior experience as a Credit Analyst.
• A sharp mind and highly intelligent with strong with experience with numbers
• Superior organisational skills and attention to detail.
• Ability to work autonomously, own, and complete projects as well as multi-task.
• Excellent communication skills and ability to interact with external and internal partners.
• Enthusiastic and have an ambition to learn broader aspects of the business.
• Business instincts – inherently curious by nature, you enjoy thinking about what makes different companies tick.
• Drive and hustle – we provide thousands of loans to customers each month, so this could include optimising the customer experience, reducing the time taken for a client to receive a decision on their loan, maximising customer value, and ensuring the highest level of service throughout.
• People skills – you will need high-class people skills, excellent phone manner, and the ability to think quickly on the phone in finding a solution for the customer, capacity to work with our diverse team and continue to promote the professional brand of MONEYME.
  
  

What’s in it for you:

MONEYME’s employees and culture are core to who we are. We know that without a high-performing and engaged Team MONEYME, we will not achieve our ambitious goals for the future. We are proud to offer a collaborative and fun work environment.

Some of the benefits & perks we offer for all our employees in Manila are:

• HMO on Day 1 + 1 free dependent
• 15 days of vacation leaves and 15 days of sick leave
• 1 birthday leave
• Health and wellbeing initiatives like weekly sports activities and MONEYME Olympics
• Fun filled company activities - summer outings, team building, team lunch or dinner, Halloween event, year-end party and so much more!
• Complimentary snacks in the office
• MONEYME Merchandise - hoodie, T-shirt, tumbler, notebook, and id lace
• Quarter champion awards & reward trips
  
  

At MONEYME we believe in rewarding hard work. When the business is winning, so are you and we’re always investing in our employees to lead new projects and develop people’s careers. We have quarterly awards, events, bonuses and more.

MONEYME Limited is an equal opportunity employer and we value diversity, equity, and inclusion. We are committed to creating a diverse and inclusive workplace and encourage applicants from all backgrounds to apply. We believe that the unique contribution of our employees is a key driver of our success. We stand together – our diversity and inclusion give us an edge.