Credit Analyst/Underwriter

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.

What's in it for you? 

• Benefit from company-wide development programs and coaching to help you grow.
• Leverage your skills to engage with our APAC market.  
• Enjoy a competitive salary with discretionary bonuses paid at the EOY 
• Work closely with a top-performing team and help them make a real impact on the business 
• Join an award-winning workplace culture that values and recognises the impact you make.

Bizcap is on the lookout for a Credit Analyst / Credit Underwriter to join our growing team. This is an exciting opportunity for a commercially minded professional who thrives in a fast-paced environment and is confident in making risk-based lending decisions—without relying solely on rigid guidelines or automated models.

What you’ll be doing:

• Assess SME loan applications and make credit decisions with a balanced risk approach.
• Analyse financial statements, credit reports, and other key indicators to determine creditworthiness.
• Provide structured lending solutions for secured and unsecured loans, even when they fall outside traditional models.
• Analyse loan offers and provide insights on portfolio trends.
• Support process improvements within the Underwriting team.
• Stay updated on economic trends and their impact on risk assessment.
• Assist in assessing and providing hardship support to clients when required.

About You:

• Experience in a Credit Analyst, Credit Underwriter, or similar role.
• Background in credit underwriting, preferably in business lending.
• Strong ability to assess risk without over-reliance on preset guidelines.
• Experience making funding decisions for secured and unsecured loans.
• Able to interpret financial statements and property-backed underwriting knowledge is a plus.
• Previous experience in alternative lending or non-banking financial services is desirable.
• A problem-solver who thinks outside the box and can structure loans that don’t always fit the traditional models.

Applicants from all backgrounds and experience levels are encouraged to apply! 

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 thriving and innovative team at Bizcap, where you can make a difference and shape your future in a dynamic and supportive environment. 

If this role sounds like a great fit for you and you’d like to join an exciting and growing team, APPLY NOW!
Please note, due to the anticipated volume of applications, only shortlisted candidates will be contacted.