Credit Risk Manager


We’re a passionate team of brilliant achievers, and together we’re using technology to take the small business finance industry next level. Our mission is to keep small businesses moving – with smart cash flow solutions right when they need them. Supporting them through ups and downs. Making their lives easier. Helping them Prosper.

The role

The role reports to the Head of Credit Risk, but you and your direct reports will work cross-functionally with Prospa’s Product, Design and Technology teams to prioritise and deliver initiatives that optimise how we provide credit to small businesses to create amazing experiences and enable sustainable business growth.

What you will be doing 

  • Developing, implementing, and monitoring credit models used to assess the credit worthiness of small business customers.
  • Developing, implementing, and monitoring credit strategies used to decide which small businesses to provide credit contracts to, how much credit to provide and the terms of the credit contract.
  • Providing direction and guidance to cross-functional teams.
  • Use established or advanced analytical techniques to achieve business objectives or solve business problems
  • Identify and measure the potential value associated with new data sources and help embed them into credit assessment processes.

What you’ll need to succeed

  • Substantial credit risk management expertise, including experience in unsecured lending, credit model development and implementing credit strategies into a decision engine.
  • Proficient user of computer programming languages, including SQL and preferably Python, R or SAS experience.
  • A fundamental understanding of credit risk regulations and standards in Australia and/or New Zealand.
  • Proven leadership capabilities, preferably with experience of managing direct reports.
  • Effective communication to both technical and non-technical audiences, preferably with experience in presenting to C-suite.

Don’t let a confidence gap get in the way of submitting your application. We’d love to hear from you and see if this could be a great match.

 What we offer

  • Highly competitive incentive scheme
  • Flexible ways of working
  • Seasonal programs (think free days off, themed events, swag, massages, coffee carts…)
  • Team and company wide social events
  • Volunteer leave & paid parental leave
  • Career development opportunities & study assistance
  • A chance to be a part of one of Australia’s fastest scaling tech organisations

Why Prospa?

We embrace diversity in our people and our thinking and provide a collaborative, inclusive, innovative and respectful environment. We celebrate who you are and actively provide our employees the same great experience we provide our customers.

It’s super exciting every day. Always moving. Always something new around the corner. And we’ve only just cracked the surface.

Be a master of your own destiny. Open the door. Feel the buzz. Want in?