Moses Athian
Brisbane,Australia
Summary
I am an enthusiastic and motivated individual with over a decade of experience in the financial industry, specializing in lending, brokerage, and credit assessment. Currently pursuing a double degree in Business (Accounting) and Biomedical Science at QUT (Queensland University of Technology), I bring a strong passion for business operations, finance, and economics. With a proven track record in banking and lending, I thrive in dynamic environments where I can apply my strategic thinking, financial expertise, and problem-solving skills to drive success.
Outside of work, I’m passionate about football (soccer), running, and staying active. I believe in leading by example and serving my community, both through my work and personal life. I’m driven by the opportunity to learn, grow, and contribute to both my team and my community.
Overview
6
6
years of professional experience
Work History
Founding Director
Axio Finance
06.2022 - Current
- Company Overview: Fintech brokerage firm, using Stoik Digital platform to launch into the market
- Offering personal loan, asset loans, business loans and Mortgages
- Fintech brokerage firm, using Stoik Digital platform to launch into the market
- Offering personal loan, asset loans, business loans and Mortgages
- Conducted target market research to scope out industry competition and identify advantageous trends.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Oversaw divisional marketing, advertising and new product development.
- Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
- Initiated strategy to drive company growth and increase market share and profitability.
- Established and maintained strong relationships with customers, vendors and strategic partners.
- Formulated and executed strategic initiatives to improve product offerings.
Startup Founder
Stoik Digital
03.2022 - Current
- Company Vision & Strategy: Defined and communicated a clear vision, mission, and values, ensuring alignment with the long-term strategy of building a leading financial product, Stoik. Established both short-term and long-term objectives to guide company growth and product development.
- Business Formation & Legal Setup: Registered the company, obtained necessary licenses, and created operational structures to ensure legal compliance and financial transparency. Worked closely with legal teams to draft contracts, NDAs, and intellectual property protection strategies
- Financial Strategy & Management: Oversaw all financial operations, from budgeting, forecasting, and financial reporting to setting up business bank accounts and payment systems. Managed cash flow and funding strategies, including seeking investment from venture capitalists or angel investors.
- P&L Management: Ensured the financial health of the startup by managing profit and loss (P&L), controlling burn rate, and adjusting business strategy to stay within budget.
- Hiring & Recruiting: Led end-to-end recruitment for key technical, design, and operations roles. Managed job postings, candidate sourcing, interviews, and offer negotiations to build a diverse and skilled team for product development.
- Building Company Culture: Created and nurtured a positive company culture that fosters innovation, collaboration, and employee satisfaction. Implemented core values and mission alignment during the hiring and onboarding process.
- Employee Growth & Retention: Developed employee training and growth programs to improve skills, retain top talent, and foster career advancement. Created employee feedback loops and mentoring programs to maintain engagement and reduce turnover.
- Product Vision & Roadmap: Defined the product vision for Stoik, translated business goals into actionable technical features, and built a comprehensive product roadmap. Ensured the development aligned with user needs, market demands, and financial goals.
Asset Finance Broker
Unified Loans
01.2021 - Current
- Assisting customers obtaining their desired asset loans
- Getting customers, the best loan outcome
- Taking customer through loan journey
- Compiling with all lending laws
- Helping in marketing & budgeting
Credit Assessment Officer
Heritage bank
06.2024 - 01.2025
- Evaluation of loan application
- Evaluation of income & company's financial statements
- Evaluation of creditworthiness
- Risk management- using financial modeling & risk management tools
- Regulatory compliance (using internal policies)
- Minimising credit exposure all hit KPI targets and lending operation budgets
- Decision making - making decision whether application is credit worthy up to $3 million
- Fraud & KYC awareness
Sci-Fleet Motors (Lexus Division)
11.2018 - 04.2019
- Complied with regulatory requirements, Anti Money Laundering AML/CTF, Privacy - OAIC Act
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information
- Originated, reviewed, processed, closed and administered customer loan proposals
- Recommended loan approvals and denials based on customer loan application reviews
- Reviewed and edited loan agreements to promote efficiency and accuracy
- Assisted senior-level credit officers with complex loan applications
- Managed quality assurance program, including on-site evaluations, internal audits and customer surveys
- Drove operational improvements which resulted in savings and improved profit margins
Education
Certificate IV - Finance & Mortgage Broking
Other
Diploma -
Kaplan Professionals
Brisbane, QLD04-2025
Bachelor of Business - Accounting
Queensland University of Technology
Brisbane, QLD02.2025
Skills
- Problem Solving & Analytical Skills
Problem Solver: Quickly identified challenges, developing innovative solutions to complex business problems
Strong Analytical Skills: Conducted in-depth financial analysis, data verification, and forecasting to drive business decisions
Quick Learner: Adapted quickly to new technologies, business models, and market trends, applying new knowledge effectively - Financial Management & Strategy
Financial Forecasting: Projected company financials to ensure sustainable growth, using tools like Excel for modeling and reporting
Cash Flow Management: Oversaw company cash flow, making adjustments to maintain financial health and meet objectives
Credit Assessment & Loan Structuring: Led credit risk assessments and loan structuring for clients, ensuring compliance and profitability
Profit Analysis & Financial Reporting: Analyzed profits and generated detailed financial reports to provide insights into performance - Revenue Generation & Development: Developed strategies to increase revenue through new business opportunities and partnerships
Budget Planning & Financial Analysis: Managed budgets and financial planning, optimizing resource allocation to drive business results
- Innovation Management: Spearheaded innovation, encouraging creative solutions to improve products and services
Partnership Development & Building: Cultivated partnerships that expanded the company’s reach and capabilities
Industry Expertise: Deep knowledge of the industry, leveraging trends and market data for competitive advantage - Operations Management: Directed daily operations, ensuring effective processes and systems for the business
Process Improvements: Continuously identified and implemented improvements to optimize business operations
Languages
English
Middle Initial
M
Personal Information
Nationality: Australian
Transport - Vehicle
Open licence
Hobbies and Interests
- Business Development
- Reading (Crime, Self-development, and autobiography)
- Self-Development Education
- Football
- Long run
- Tennis
- Investing and wealth management
- Finance and Economics
- Travelling
Timeline
Credit Assessment Officer
Heritage bank
06.2024 - 01.2025
Founding Director
Axio Finance
06.2022 - Current
Startup Founder
Stoik Digital
03.2022 - Current
Asset Finance Broker
Unified Loans
01.2021 - Current
Sci-Fleet Motors (Lexus Division)
11.2018 - 04.2019
Certificate IV - Finance & Mortgage Broking
Other
Diploma -
Kaplan Professionals
Bachelor of Business - Accounting
Queensland University of Technology
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