Credit Risk Analyst

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.