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Senior Credit Strategy Analyst




Who we are?

OnDeck is a leading online lending platform using disruptive technology to offer a smart funding solution to Australia’s two million small businesses. OnDeck is a data driven small business lender that can evaluate, approve and fund small business loans as fast as the same business day. Worldwide OnDeck has now originated more than US$8 billion in loans to more than 80,000 businesses in three countries (US, CA, AU).


We are changing the way small businesses borrow money by combining our passion for customer service with cutting-edge technology. We evaluate businesses based on their actual performance, not personal credit, and that enables us to say “yes” more often and faster than traditional lenders.



OnDeck uses data aggregation from hundreds of data points along with business credit scores and bank statements to evaluate the financial health of small and medium sized businesses. Using this we efficiently deliver cashflow solutions in a market underserved by the major banks. Through the OnDeck platform, small businesses can obtain affordable loans in a much more convenient and customer-friendly way.


Position Summary

OnDeck runs on Data. This position is responsible for analyzing and interpreting data to meaningfully insights to optimize credit risk strategies, drive profitable business growth and assist business to understand small business customers better than any other lenders. This position will have exposure to marketing, sales, operations, credit risk and finance across the whole business.

Primary Responsibilities

Credit Risk Strategies and Insights

  • Present credit updates to senior management and other department review forums
  • Prepare periodic Monthly Portfolio monitoring reports, deep dives and adhoc analysis as required
  • Update peers and colleagues in the Operations, Underwriting and Collections functions to help inform tactical and strategic discussions
  • Provide analytics and insights on portfolio and emerging risk trends
  • Collaborate with Finance in modelling and setting and monitoring budgets
  • Create and implement credit and acquisition optimization strategies
  • Gather and merge data from various data sources to investigate and solve risk issues/problems
  • Evaluate, utilise and leverage data collected from multiple external data sources, such as credit bureaus
  • Responsible for setting the data strategy to drive enhanced business benefit

Stakeholder Engagement

  • Coordinate with stakeholders across the business both locally and internationally to understand business needs
  • Collaborate with Data and Analytics, Finance, Operations, Collections and Recoveries do deliver advanced insights to drive business value
  • Coordinate with credit and acquisition risk managers to translate risk requirements into insights analysis

Qualifications for success

  • 3+ years of experience in credit risk analytical and reporting/data analyst environment
  • Excellent quantitative and analytic skills; ability to derive patterns, trends and insights, and perform risk/reward trade-off analysis
  • Understanding of data analytics, structure and feature creation skills necessary, statistical modelling skill a plus
  • Advanced SQL skill to extract and consolidate data is
  • Proven working knowledge and experience of Tableau is essential
  • Advanced Excel skill is essential
  • Basic Python skill is required for data cleaning scripts. Proven coding ability using any other script programming language such as R/Javascript/Google script is a plus
  • Strong communication skills; Ability to communicate and present complex analysis to a variety of non-technical audiences
  • Ability to partner and collaborate effectively with stakeholders from broad cross- functional teams
  • Undergraduate degree in mathematics, statistics, computer science or similar quantitative discipline

What we offer you

  • Competitive salary package
  • Have a meaningful impact on the company’s future, and share in the rewards accordingly
  • Work in a fun, fast-paced start up environment with brilliant people
  • Be on a motivated team that gets a lot done
  • An open minded, collaborative culture of enthusiastic
  • Fully stocked kitchen with snacks and drinks


How to Apply

Apply now by sending your resume and cover letter to and quote the position title in the subject line