in2capital | Convenient Metro, train and bus based location | Hybrid | Full-time About in2capital At in2capital, we believe business finance should move at the speed of business. We're building a business lender around speed, technology, transparency and commercial decision-making.

We offer
Business Term Loans and Lines of Credit to Australian SMEs, give same-day credit decisions, and work closely with brokers. The role We're looking for a mid-level Credit Analyst to join our credit team. You'll assess SME loan applications, mostly by reading bank statements to understand how a business really trades.

What you'll do
• Analyse business bank statements to assess cash flow, how much debt a business can service, how its trading moves and any risk flags
• Assess Term Loan and Line of Credit applications and make recommendations
• Spot red flags such as dishonours, undisclosed debts, gambling, or cash flow that is lumpy or seasonal
• Work with brokers and the sales team to structure deals that fit the business




• Help us keep a fast, consistent decision process and improve our credit policy What you'll bring
• At least 4 years of experience analysing bank statements for SME cash flow lending (non-bank, fintech or bank)
• Strong commercial judgement and the confidence to make a call
• Solid grasp of SME financials, BAS/ATO portals and credit bureau reports
• Clear written communication and attention to detail
• Comfort working at pace in a growing business Why in2capital
• Competitive salary + super
• Hybrid working from a convenient Metro, train and bus based location
• A real say in shaping credit at a growing lender
• Rapid decisions, little bureaucracy and a team that backs your judgement

How to apply
Email your CV to [email protected]. #Hiring #CreditAnalyst #SMEFinance #BusinessLending #Fintech #in2capital

📌 Credit Analyst (Sydney)
🏢 in2capital
📍 Sydney