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Faster personal loans

Harmoney is an online direct personal lender that operates across Australia and New Zealand. Our purpose is to help and inspire people to achieve their goals through financial products that are friendly, fair, and simple to use.

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The Matchstiq Top 100

Matchstiq's take on Harmoney

Harmoney's mission is to help and inspire people to achieve their goals through financial products that are friendly, fair and simple.

The market opportunity ahead for Harmoney

The market opportunity for Harmoney is over $150 billion in Australia and NZ and today we represent less than 1% of this total addressable market.

Since our beginnings in 2014, Harmoney has sought to transform the way people borrow and lend money. We’ve created Australia and New Zealand’s largest 100% online consumer-direct personal loan marketplace, having facilitated over $2.5 billion in loans to over 50,000 customers on both sides of the Tasman, giving people more choice and options.

We have created over 80 jobs in Auckland today and created a purpose‑driven culture focusing on helping people do better through technology, big data, and responsible lending.

Why Harmoney is a great place to work

We pride ourselves on being a high growth innovative FinTech company, offering flexible home/office working practices and a friendly supportive work culture that encourages collaboration and contribution.

You'll be joining a team famous for a culture built around learning, development, sharing and empowerment. You will benefit from the cumulative experience of the team and Harmoney’s commitment to ongoing training.

By joining our FinTech team, you will help lead Harmoney forward in fresh, innovative ways in a market where the community and regulators are showing they expect more. You will engage in interesting and challenging work that will improve the lives of our customers every day.

In the same way, Harmoney is committed to delivering great products, we are dedicated to providing a world-class workplace where our employees can grow and thrive.

Working with us


  • Impact

    Harmoney values making a truly positive impact on people’s lives and the communities in which it lives and serves. Harmoney’s obsession with numbers, data and processes only count if they make an impact.

  • Integrity

    Harmoney values integrity because it is the foundation for building and maintaining trust and respect, and encompasses responsibility and accountability.

  • Consistency

    Harmoney values consistency as it reflects the stability and reliability it creates in the minds of anyone it interacts with. Consistency creates confidence, and with confidence, Harmoney can do great work.

  • Empathy

    Harmoney values empathy as it is key to developing relationships with its colleagues and customers. These relationships form the basis by which Harmoney delivers for its customers, colleagues, the effects of which extend to the wider community.

  • Pioneering

    Harmoney values the pioneering spirit as it is the fuel of dreams and ambition. Pioneers leave behind the known to discover the new. Pioneers establish their own paths if needed, to discover places unseen. They not only imagine the future, they create it.


Collections Officer

Harmoney is a fintech company creating personal finance products and services across Australia and New Zealand. We are constantly seeking ways to improve and innovate in this space.

Our working environment is one that strives for excellence in the face of exciting challenges. We continually seek to improve - learning and celebrating success are key elements in our culture. We are a team-orientated organisation that values collaboration and knowledge sharing. Shared and individual responsibility play key parts in the way we work together.We are looking for a highly motivated and experienced person (preferably in dealing with unsecured loans) to join our team. This is a full-time position that will provide you with opportunities to improve your professional service skills and exposure to many facets of the FINTEC industry.
With on-the-job training and room to grow, this role will suit an individual who isn't afraid to step up, is calm under pressure and thrives in a fast-paced environment with a group of tight-knit and talented people.

Areas of responsibility:

  • Handle internal queries about payments
  • Provide accurate advice on accounts
  • Respond promptly and completely to customer's enquiries
  • Ensure customers pay on time and negotiate re-payment plans
  • Follow up overdue accounts by telephone, email & letter within agreed timescales
  • Maintain accurate records of all collections activity
  • Regularly make proactive contact with customers to ensure all relevant debts are managed as necessary
  • Identify changes in payment patterns and propose improvement actions


Required Skills & Abilities

  • At least 3 years collections experience
  • Sound computer literacy including Microsoft Office
  • Excellent written and verbal communication skills
  • Previous experience in dealing with customers is preferred
  • Firm and organized work ethic
  • The ability to work both autonomously and as part of a team
  • Sound decision-making
  • Strong attention to detail
  • The ability to work under pressure and to deadlines


What to expect

  • On-the-job training
  • Flexible working arrangements and work from home/office combination
  • Learning and development opportunities
  • Regular social events
  • A fun team to work with

To be considered for this position, you must be an Australian/NZ Citizen or have a Permanent Residency visa.


Data Engineer

The Data Engineer holds the key to unlocking the true potential of our data at Harmoney. The journey starts with identifying all of the key cloud data sources and streaming these, using our data pipeline, into a cloud data warehouse. Transforming events on the fly as required. Once landed we further transform these events again so that they can be reported using our visualisation tools in a meaningful, thought provoking way. This drives constant iteration, improvement and innovation.

Use your knowledge and experience as a seasoned data engineer to apply it to innovate data environment which include:

  • Wide diversity of customer data points, including web events
  • Near real time data
  • Semistructured data
  • Best in class visualisation tools
  • Productionised automated machine learning models


Advance your skill set with our key tools:

  • Snowflake
  • Tableau
  • DataRobot
  • Python


Key to your role :

  • Passionate about all things data
  • Solid understanding of dimension modelling
  • Futuristic data warehouse design skills
  • Fast, accurate SQL coding skills
  • Report / Visualise solutions to business problems
  • Ability to demonstrate business acumen
  • Proven history of delivering ontime
  • Capability to manage complex situations
  • Ability to adopt new skills willingly and quickly
  • Research, learn and explore new technologies
  • Attention to detail


Nice to Have (Or Develop)

  • Data Analytics, Data Quality, Master Data management
  • Experience / Proficiency with Python


Best Practices

  • Proactively uphold development best practices in collaboration with the team
  • Share learnings and knowledge with the wider group, e.g. data dojo’s, stand-ups, brown bag sessions etc.
  • Familiarity with agile software practices and ceremonies, e.g. stand-ups, scrum of scrums, story points, estimation, retros, scrum vs kanban, etc.



  • 5+ years database experience
  • 2+ years reporting experience
  • 2+ years data warehousing experience



  • Embraces Harmoney key principles and philosophies:
    • Empathy
    • Pioneering
    • Integrity
    • Impact
    • Consistency
  • Always open to learn new things (practices, technologies, styles of working etc.), exhibits a natural curiosity.
  • Exhibits a passion and pride for what they do and build.
  • Exhibits empathy towards others, especially their team

To be considered for this position, you must be an Australian/NZ Citizen or have a Permanent Residency visa.


Compliance Manager


  • Embed risk management and controls (with a predominantly compliance focus) into systems and manual processes where needed - in partnership with the business units.
  • Test our regulatory compliance (through assurance) to give confidence to the Board regarding control of compliance risk in each business unit.
  • Demonstrate to regulators and funding partners that we apply an appropriate level of resources to risk and compliance.


Essential Functions:

Initial project work:

  • Create a register of compliance obligations (under regulation, our financial licences, our governance documents, funding arrangements, vendor arrangements etc).
  • Update all our policies to ensure they meet risk and compliance obligations.
  • Liaise with the business units to ensure the policies are implemented operationally (ie. so our compliance obligations are being met as through our processes).
  • Develop an assurance program for the testing of our operational compliance.

Ongoing work:

  • Conduct regular, independent assurance testing of the business units’ compliance with our obligations.
  • Evaluate risks associated with each obligation, and consider ways to reduce / mitigate (e.g. through increased automation).
  • Maintain various databases (compliance register, risk register, contracts register etc) and undertake ad hoc risk and compliance work.


Key Competencies

  • Strong analytical and clerical skills
  • Attentive to detail
  • Excellent interpersonal skills
  • Strong verbal and written communication skills
  • Understanding of credit products and general financial concepts


Experience requirements

  • Minimum of 2 years work experience in a compliance, risk, audit, legal, or regulatory function.
  • Experience in any one or more of the following would be valuable: risk management practices, the financial services sector, legal practice, and familiarity with the Australian and/or New Zealand consumer credit regulatory environment (National Consumer Credit Protection Act (AU) and Credit Contracts and Consumer Finance Act (NZ)).

To be considered for this position, you must be an Australian/NZ Citizen or have a Permanent Residency visa.


Product Owner/Delivery Lead

Your team will own part of our Harmoney platform.
The Product Owner role will work closely with Product Management from discovery to delivery, aligning product & technical visions. You will be able to understand & analyse complex product requirements, with the ability to translate & communicate these requirements to a team of engineers. You will facilitate and lead the refinement and breakdown of these requirements into prioritised deliverables. A keen eye for a solution and exceptional prioritisation skills are essential for this role.
This is a key role in our delivery success team at Harmoney.

Essential Skills

  • Business Analysis skills in the finance sector
  • Understanding of the Scrum Product Owner role
  • Leadership skills
  • Calm influencer and the ability to work with a range of personalities
  • Experience working closely with developers & quality engineers
  • Delivery Management experience
  • Working experience with agile delivery teams
  • Exposure to a data lead culture



  • Providing delivery leadership to an engineering delivery team
  • Working with a team of POs ensuring your team is resourced appropriately
  • Working alongside Product Managers in discovery of new product ideas
  • Leadership, facilitation & delegation for agile ceremonies. Eg reviews, planning, stand-ups etc.



Senior Quality Engineer

Harmoney Engineers are T-shaped individuals with both technical & people skills. You will work in Lean Delivery teams responsible for parts of the Harmoney platform. Harmoney Delivery teams are responsible for delivering new product, product enhancements, BAU and bug fixing. You build it, you run it. This is a highly collaborative, fast-paced environment looking for strong communication and teamwork skills as well as the ability to adapt to shifting priorities.

  • This position is responsible for writing & executing test cases & plans. Participating in all test phases including system, integration, functional & BAT. Managing test environments and ensuring releases will operate satisfactorily when deployed to production.
  • Participate and contribute to team meetings (design, planning, stand-up, review, guild etc.). Effectively work with Product Owner, Chapter Lead and Guild team.
  • Support and Enhance coverage of automated tests at the Unit, Integration and Functional levels.
  • Work in a self organising/managing agile delivery team, collaborating developers, testers and product owners.
  • Analysis of feature requirements. Refining features into user stories and development tasks.
  • Managing delivery environments.
  • Troubleshoot errors and solve problems efficiently.
  • Ensure standards and processes are adhered to during the development lifecycle. Executing an effective review strategy.
  • Effective documentation of tickets, designs & processes in wiki, issue tracking and other documentation systems.
  • Deliver knowledge sharing sessions to the engineering team
  • Identify technology limitations, deficiencies & anti-patterns in existing systems and associated processes, procedures and methods.
  • Mentoring & coaching at engineer and team level.
  • Recommending design pattern usage, new technologies and best practice for scalable and fault tolerant systems.
  • Provide training, knowledge sharing presentations & mentorship to the engineering teams. Create and review architecture and design proposals


Personal attributes

  • Strategic
  • Adaptable
  • Behave Ethically
  • Build Relationships
  • Communicate Effectively
  • Focus on Client Needs
  • Foster Teamwork
  • Learn new things and demonstrate proactivity.
  • Make Decisions
  • Lead
  • Plan
  • Problem Solve


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