Head of Lending & Capital Markets

Overview

Job Title: Head of Lending & Capital Markets

Location: Paris

Experience: 7+ years of experience

What about us?

INFINIT is a fast-growing fintech scale-up launched in 2023, operating in multiple countries across Europe and the Americas. 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 manage and optimize every aspect of their business with AI agents. By focusing on specific industries, INFINIT delivers tailored, high-value solutions while building innovative AI products to unlock growth opportunities for our customers. INFINIT operates globally with ambitions to 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 Role

As 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, and 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 for credit scoring, portfolio monitoring, risk analytics, market intelligence, and automation to enhance lending and capital markets decision-making
• Demonstrated track record with capital markets, debt issuance, securitizations, or fundraising
• Strong financial acumen: credit modeling, risk assessment, pricing, and capital management
• Experience in building and scaling a lending business
• Excellent leadership and team-management skills
• Strong network with investors, banks, financial institutions, and rating agencies
• Deep understanding of regulatory, compliance, and risk frameworks in finance
• Outstanding communication and negotiation skills
• Relevant 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 are building this together.
• Diverse and Inclusive Team: Join a dynamic and international team with expertise from multiple nationalities, 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 will have a lasting effect on businesses and communities.
• Flexible Benefits: Access Flexible Retribution benefits through a convenient mobile app
• Health and Well-being: Medical & Mental Health Insurance
• Quality Time Together: We foster a sense of community with annual gatherings and bi-weekly office team gatherings. You are welcome to join us for quality time.
• Personal Time Off: Flexible personal time off
• Flexibility and Ownership: Hybrid working 3 days a week in Paris and 2 from home

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.