Personal Finance Operator

About the Company

Cash Lab is an expanding personal finance service provider dedicated to empowering individuals to control their finances with confidence and transparency. The company prioritizes ethical standards, openness, and clear communication with clients. Team members are actively encouraged to share ideas to enhance tools, workflows, and the overall client experience. Cash Lab promotes a collaborative culture that supports continuous learning and career growth.

Role Overview

This on-site, full-time position based in Midland, Western Australia involves performing thorough Responsible Lending Assessments to ensure loans align with applicants' needs and will not lead to substantial financial hardship.

Key Responsibilities

• Conduct detailed examinations of applicants' recent 90-day bank statements to verify income consistency, salary frequency, and regular living expenses.
• Detect any undisclosed financial obligations such as active payday loans, hidden credit cards, or patterns of gambling behavior.
• Compare applicant information against credit bureau records (including Equifax and Illion) to investigate credit history and default listings.
• Identify and report potentially vulnerable customers, signs of financial distress, or suspicious fraudulent activities to the compliance manager.
• Collaborate with the team to improve internal procedures, ensure thorough documentation, and uphold high standards of client service and privacy.

Required Qualifications and Skills

• Proficient numeracy skills with solid understanding of personal finance principles, particularly SACC and MACC lending guidelines.
• Experience using spreadsheets and basic financial software for data management, report generation, and progress tracking.
• Strong communication skills capable of conveying financial information clearly and respectfully to clients with varying financial knowledge.
• Meticulous attention to detail with accuracy in data input and excellent organizational abilities to handle multiple client files simultaneously.
• Customer-focused approach emphasizing discretion, empathy, and confidentiality.
• Ability to work full-time on-site in Perth and cooperate effectively within a small team environment.
• At least 1 to 2 years of experience working within SACC/MACC lending environments such as Cash Converters, City Finance, Money3, Cash Train, Cash Direct, or Sunshine Loans.
• High financial literacy with competence in quickly analyzing bank statements, payslips, Centrelink income documents, and credit reports.