Head of Lending & Capital Markets en Infinit

Job Title: Head of Lending & Capital MarketsLocation: MadridExperience: 7+ years of experienceWhat about us?Launched in 2023, INFINIT is a fast-growing fintech scale-up operating in multiple countries across Europe and Americas.At INFINIT we are on a mission to reshape the future of SMEs with AI at the forefront. Our all-in-one operating system has banking at its core, and empowers small business owners and their teams to seamlessly manage and optimize every aspect of their business with AI agents.By focussing on specific industries, INFINIT delivers tailored, high-value solutions, while building innovative AI products to further unlock significant growth opportunities for our customers. INFINIT operates globally, with ambitions to further expand its footprint to redefine the fintech landscape for SMEs worldwide.Join us on the INFINIT journey as we revolutionise the SME economy and drive meaningful impact through innovation 🚀  The RoleAs the Head of Lending & Capital Markets at INFINIT, you will lead the SME lending operations and capital markets strategy of our business. This role will be responsible for orchestrating the end-to-end lending lifecycle, structuring funding strategies, managing risk, and cultivating investor and capital market relationships. You will ensure that our lending portfolio grows in a disciplined fashion while ensuring capital sufficiency, compliance, and profitability.

What do we want to achieve together?

Lending Operations & Strategy

Define and execute the lending strategy for SMEs aligned with business goals and market dynamics

Oversee origination, underwriting, credit assessment, approval, documentation, disbursement, and servicing of loans

Develop credit policies, guidelines, scoring models, and risk frameworks

Monitor portfolio performance, credit quality, delinquencies, provisions, and take corrective actions when needed

Lead a team of credit analysts, underwriters, portfolio managers, and collections functions

Assess and launch new lending products, pricing strategies, and terms

Collaborate with marketing, sales, and distribution channels to drive origination

Capital Markets & Funding

Develop and execute capital raising strategies: debt issuance, securitization, bonds, credit facilities, other capital market instruments

Manage relationships with institutional investors, banks, bond markets, rating agencies, and other funding partners

Optimize the cost of capital and capital structure (debt, equity, hybrid instruments)

Ensure compliance with regulatory and reporting requirements for capital markets instruments

Forecast capital needs, liquidity, cash flow, and funding gaps

Lead negotiations, structuring, and issuance of capital markets transactions

Risk Management & Governance

Oversee risk measurement and management: credit risk, market risk, liquidity risk, operational risk

Implement and maintain models and metrics (e.g. stress testing, scenario analyses, capital adequacy)

Ensure compliance with regulatory, legal, and regulatory capital requirements

Develop policies and controls, internal audit interfaces, and governance frameworks

What do you need to be successful in this role?

Significant experience (typically 7+ years) in lending, credit, or banking, ideally in SME or commercial lending

Proven experience implementing and using AI-driven tools and platforms e.g. credit scoring, portfolio monitoring, risk analytics, market intelligence, automation to enhance lending and capital markets decision-making

Demonstrated track record with capital markets, debt issuance, securitizations, or fund raisingStrong financial acumen: credit modeling, risk assessment, pricing, capital managementExperience in building and scaling a lending business

Excellent leadership and team-management skills

Strong network with investors, banks, financial institutions, rating agencies

Deep understanding of regulatory, compliance, and risk frameworks in finance

Outstanding communication and negotiation skillsRelevant degree (e.g. Finance, Economics, Business); advanced degree (MBA, CFA) preferred

Start-up or young company experience very much preferred

Hands-on, in the detail and excited to build

What will you find working at INFINIT?

Competitive Salary and Equity: We offer highly competitive salaries and a stake in our success with share options because we're building this together.

Diverse and Inclusive Team: Join a dynamic and international team in excess of 8 nationalities. You'll have the chance to work with experienced professionals from around the world, fostering a rich learning environment.

Inspiring Mission: We are dedicated to revolutionising business financing and making a    positive impact on the European economy. Your work at INFINIT will have a lasting effect on businesses and communities.

Flexible Benefits: Access Flexible Retribution benefits through a convenient mobile app

Health and Well-being: Your health matters to us. You will have access to top-quality Medical & Mental Health Insurance.

Quality Time Together: We foster a sense of community with annual gatherings and bi-weekly office team gatherings. You're more than welcome to join us for quality time.

Personal Time Off: Enjoy flexibility with your personal time off.

Flexibility and Ownership: We trust our team and we are goal-oriented. Enjoy the flexibility of hybrid working 3 days a week in our Madrid office and 2 from home.

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