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
#Hiring #CreditAnalyst #SMEFinance #BusinessLending #Fintech #in2capital
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📌 Credit Analyst (Sydney)
🏢 in2capital
📍 Sydney