Job Title: Credit and Risk Analyst

Location: Austin

Experience: 3+ years of experience

What about us?

INFINIT is a high-growth fintech scale-up making its U.S. debut in Austin, Texas—backed by some of the world’s leading investors and building on breakout success across Europe.

Founded in 2023, we’ve grown to over 150 team members across 9 countries, united by a bold mission: to reshape the future of small and medium-sized enterprises. We’ve built an all-in-one operating system—with banking at its core—that helps SMEs and their teams manage, optimize, and grow every part of their business, effortlessly.

By focusing on specific industries and leveraging AI technology, we deliver deeply tailored solutions that unlock real growth for our customers.

Now, we're bringing that vision stateside. With a fresh launch in the U.S. and Austin as our hub, we're just getting started. If you’re excited about transforming fintech for SMEs and being part of a global story from the ground up—come build with us. 🚀

The role

As a Credit & Risk Analyst at INFINIT, you’ll be an integral part of our US Operations team, helping us assess creditworthiness and manage risk as we grow our footprint in the U.S. market. You’ll be responsible for analyzing SME credit applications—primarily in the automotive sector—and making informed recommendations that align with our risk appetite, compliance standards, and strategic goals.

This is a hands-on, high-impact role for someone who thrives in a fast-paced environment and brings both analytical rigor and sound commercial judgment.

What You'll Be Doing

• Credit Analysis: Evaluate credit applications from U.S.-based small and medium-sized automotive businesses, leveraging financial data, business performance, and management history
• Make Recommendations: Present your findings and recommendations to senior management and the risk committee, ensuring all decisions are in line with INFINIT’s risk policies and U.S. regulatory standards
• Cross-Team Support: Collaborate with Sales, Operations, and Customer Success to provide credit-related guidance and insights throughout the customer lifecycle
• Stakeholder Communication: Interact directly with business owners to gather key information, clarify financials, and explain underwriting outcomes where needed
• Local Compliance: Apply knowledge of U.S. credit practices—including FICO scores, UCC filings, EIN verification, bank statement reviews, and potential liens—to make well-informed, localized credit decisions
• Operational Efficiency: Help shape and streamline our U.S. credit evaluation process to scale efficiently as we grow
  
  
  
  

What You’ll Bring To The Team

• Experience: 3+ years in B2B credit or risk analysis, ideally within a corporate bank, fintech, or commercial credit control function in the U.S
• Communication Skills: You’re confident speaking with U.S. based business owners, asking the right questions, and delivering insights clearly and professionally
• Analytical & Curious: A natural problem-solver who knows how to cross-reference data, spot inconsistencies, and dig deeper using sources like D&B, LexisNexis, and public filings
• Time Management: Comfortable juggling multiple credit files, deadlines, and requests without sacrificing quality
• Tech Fluency: Experience with platforms like HubSpot, Notion, and Excel is a plus—but what matters most is your willingness and ability to learn quickly
• U.S. Credit Knowledge: Familiarity with FICO scoring, financial statement analysis (GAAP), tax return review, and red flags like recent bankruptcies, collections, or charge-offs
  
  
  
  

What You’ll Love About Working At INFINIT

• Competitive Compensation & Equity; We offer top-of-market salaries and meaningful equity—because we believe everyone should share in the value we’re building together
• A Diverse, Global Team; Join an international team representing 8+ nationalities, all united by a shared mission. You’ll collaborate with experienced professionals from around the world, bringing fresh perspectives and deep expertise to every challenge
• Mission-Driven Work; We’re reshaping the way small businesses access capital. Your work will directly impact entrepreneurs and communities across the U.S. and Europe—especially as we expand our presence in Austin and beyond
• Health & Wellness That Actually Supports You; Enjoy comprehensive medical, dental, and mental health coverage—because your well-being is non-negotiable
• Time Off When You Need It; We trust our team to manage their energy. Take the personal time you need to recharge and come back stronger
• Flexibility, With a Strong Team Vibe; We work from the office 3 days a week to collaborate, learn, and grow together—and enjoy 2 days of remote flexibility to focus or recharge. It’s the best of both worlds: real connection without losing autonomy
• A Seat at the Table; As part of our early U.S. team, you’ll help shape how we grow—your voice will be heard, and your impact will be real
  
  
  
  

Additional:

Applicants must be legally authorized to work in the United States at the time of application; We are unable to sponsor visas at this time.

Diversity & Inclusion

INFINIT promotes an inclusive culture that seeks equity and values different perspectives. We are proud to be an equal opportunity employer and consider all qualified applicants for employment without regard to race, colour, religion, age, sex, sexual orientation, gender, gender identity, national origin, disability, veteran status or any other legally protected characteristic.