Who Is Lumi?
We’re a leading Fintech small business lender fuelling growth by making finance more accessible.
We deliver fast and flexible funding designed to meet the unique needs of Australian businesses. With over $1.5 billion funded since 2018 and backing for 15,000+ small businesses, we're trusted for our speed, high quality service, and tailored approach.
Working At Lumi
We are building a culture where you can grow and make a difference for customers. We are looking for people to join us on this journey who are passionate, curious and great problem-solvers.
We are incredibly proud of our awards, including most recently our Deputy CEO, Anna Hawter, receiving the Finnies’ 2025 Outstanding FinTech Leader of the Year award. We also ranked in the top #3 on the 2024 Australian Financial Review BOSS Best Places to Work Banking,
Superannuation and Financial Services list, 2023 Best Workplace Diversity Award by FinTech Australia and the 2022 Empowering Innovation Affie Award. We also ranked #36 among the fastest-growing technology companies in Australia in the 2022 Deloitte Technology Fast 50 Australia.
We foster a workplace where everyone feels a sense of respect and can reach their full potential. If you need any adjustments for a fair recruitment process, please let us know when applying.
Our Values
Egos at the door
We own. We don’t judge. We don’t blame. We are open. We are in this together.
See the customer
We show up. We understand. We anticipate. We do what we say. We genuinely focus on solutions.
Think lean
We make things simple. We are resourceful. We understand the problem. We think ahead.
Learn to grow
We are curious. We challenge. We try. We fail forward. We learn. We try again.
Job DescriptionThe Role
- Lead the design, build, and embedding of Lumi's Enterprise Risk Management Framework including risk taxonomy and assisting the front line with appetite statements, KRI design, risk registers, reporting cadence, and integration with the Risk Committee and Board.
- Provide strategic oversight of Fraud and AML/CTF risks across the business, ensuring frameworks remain current, effective, and appropriately embedded in operations.
- Design and execute a risk-based internal assurance program, supporting first line leaders with control testing, risk assessments, and findings management across key operational and strategic risk areas.
- Serve as a key advisor and touchpoint for senior leaders across Commercial, Credit, Product, Technology, and Operations, providing expert guidance on navigating risk and compliance requirements.
- Develop and deliver high-quality, insightful risk reporting for the Risk Committee and other senior stakeholders.
- Act as Secretary to the Board Risk Committee. Owning agenda preparation, board paper coordination, minutes, and action tracking.
- Manage and mentor team members providing structured development support and clear escalation pathways.
- Build and maintain strong relationships across the business to foster a proactive, embedded risk culture.
- Contribute to Lumi's strategic regulatory roadmap.
This Person Is Someone With…
- Proven experience in a senior enterprise risk management or compliance role, preferably within the financial services or fintech industry.
- Exposure to AML/CTF regulations and managing fraud risks is beneficial.
- Demonstrated experience in conducting internal audits, risk assessments, and control testing.
- Strong stakeholder engagement skills with the ability to influence and advise senior leadership.
- Experience in producing high-quality reports and presentations for board-level committees.
- Excellent analytical, problem-solving, documentation, and organisational skills with high attention to detail.
- Exceptional analytical, problem-solving, documentation, and organisational skills, demonstrating meticulous attention to detail.
- A proactive, self-starting attitude with the ability to work autonomously and drive initiatives forward.
Perks & Benefits
Wellbeing: Free counselling, seasonal activities, Wellbeing Allowance, wellness room, flu shots
Work Life: Home Workspace Allowance, Purchased Leave, Parental Leave, Parental Flex Leave, Lumi Life Leave for challenging events, breastfeeding/expressing space
Social & Food: Monthly lunches, regular celebrations, stocked kitchen, beer & kombucha on tap, board games, rooftop BBQs
Rewards & Recognition: Competitive pay, referral bonuses, shout-out recognitions
Community Support: Paid volunteer leave, celebrations, company volunteer days
Career & Growth: Rapid advancement opportunities, higher education sponsorship, hackathons
Skills Required
- Proven experience in a senior enterprise risk management or compliance role
- Experience within financial services or fintech (preferred)
- Exposure to AML/CTF regulations and managing fraud risks
- Demonstrated experience conducting internal audits, risk assessments, and control testing
- Strong stakeholder engagement skills with ability to influence senior leadership
- Experience producing high-quality reports and presentations for board-level committees
- Excellent analytical, problem-solving, documentation, and organisational skills with high attention to detail
- Proactive, self-starting attitude with ability to work autonomously
What We Do
Lumi takes the guesswork out of small business funding. We offer small business loans and lines of credit from $10k–$750k with 3–60 month terms. At Lumi, we don’t believe in surprises (at least, not when it comes to finance). Instead, we pride ourselves on offering straightforward loans to give your venture the financial boost it needs. No guesswork, no hassles, no reading between the lines. Just totally transparent loans to help you get ahead. Here’s how it works: 1) Apply online in less than 5 minutes 2) Get an outcome within 2 hours 3) Receive your funds within the same business day It’s that easy!
