---
title: 'Underwriting & Funding Manager at inKind'
canonical: 'https://feeny.ai/job/underwriting-funding-manager-inkind-austin-xnps6a1td3yr'
type: 'job'
last_seen: '2026-11-06'
---

# Underwriting & Funding Manager at inKind

- **Company:** inKind
- **Location:** Austin, TX
- **Posted:** 2026-10-20
- **Last confirmed live:** 2026-11-06
- **Apply:** https://job-boards.greenhouse.io/inkind/jobs/5458249008

## Job description

Underwriting & Funding Manager

## About the role

inKind is looking for an Underwriting & Funding Manager to evaluate restaurant funding opportunities and make disciplined, timely funding decisions. You’ll own the review process from initial diligence through final recommendation or approval, helping inKind fund strong restaurant partners while managing risk.

This role requires financial judgment, attention to detail, and the ability to understand the business behind the numbers. You should be comfortable making decisions with incomplete information, asking thoughtful questions, and explaining your conclusions clearly.

## What you’ll do

- Review new funding opportunities. Assess applications, financial statements, sales trends, bank activity, existing obligations, and other supporting materials for completeness and accuracy.
- Underwrite restaurant businesses. Evaluate operating performance, cash flow, liquidity, ownership experience, and the restaurant’s ability to support the proposed funding structure.
- Determine appropriate funding terms. Recommend funding amounts, structures, conditions, and risk mitigants based on your analysis and inKind’s underwriting guidelines.
- Make funding decisions. Approve or decline requests within your delegated authority and present exceptions or larger transactions to the appropriate decision-makers.
- Document your judgment. Prepare concise underwriting summaries that explain the opportunity, key risks, assumptions, and rationale for each decision.
- Lead diligence. Work with restaurant owners and internal teams to resolve questions, verify information, and identify material discrepancies or potential fraud.
- Coordinate funding readiness. Confirm that required approvals, documentation, and funding conditions are complete before funds are released.
- Improve the process. Help refine underwriting standards, approval workflows, and reporting to make decisions more consistent and efficient.
- Learn from performance. Partner with the team monitoring funded restaurants to compare actual results with underwriting assumptions and improve future decisions.

## Minimum Experience

- 4+ years of experience in commercial underwriting, small business financing, fintech lending, credit analysis, investment analysis, or a related field.
- Strong financial statement analysis and modeling skills, including the ability to evaluate cash flow, liquidity, leverage, repayment capacity, and unit-level economics.
- Experience independently evaluating transactions, assessing financial and operational risks, and making or recommending funding decisions.
- Experience building, implementing, or improving underwriting processes, with a focus on automation, operational efficiency, and scalable decision-making.
- Ability to translate underwriting policies, financial thresholds, risk indicators, and approval requirements into structured business rules and automated workflows.
- Strong analytical and technical aptitude, with the ability to work with financial datasets, identify patterns, validate information, and support data-driven underwriting decisions.
- Strong Excel or Google Sheets skills, including financial modeling, scenario analysis, and working with transaction-level data.
- Familiarity with underwriting systems, financial data platforms, automated decisioning tools, or workflow automation technologies.
- Ability to partner effectively with Product, Engineering, and Data teams to define requirements, test solutions, and implement improvements to underwriting systems and processes.
- Sound commercial judgment and the ability to balance funding opportunities, speed of execution, and disciplined risk management.
- Clear written and verbal communication skills, including the ability to explain complex financial findings, underwriting decisions, and technical requirements to financial and nonfinancial stakeholders.
- Strong organization, attention to detail, and follow-through, with the ability to manage multiple funding reviews and process improvement initiatives without sacrificing quality.

## Preferred Experience

- Restaurant, hospitality, or multiunit business underwriting experience.
- Familiarity with restaurant point-of-sale (POS) data, payment processing systems, seasonality, food and labor costs, and location-level profitability.
- Experience with alternative financing structures, including revenue-based financing or merchant cash advances.
- Hands-on experience implementing automated underwriting workflows, rules-based decision engines, risk-scoring models, or automated approval processes.
- Experience integrating or analyzing financial data from banking platforms, POS systems, payment processors, or third-party data providers.
- Working knowledge of SQL and experience with Snowflake, Sigma, Tableau, or similar data and business intelligence platforms.
- Experience using AI, machine learning, or automation tools to improve financial analysis, document processing, risk assessment, or underwriting efficiency.
- A track record of building or refining underwriting policies, approval frameworks, and risk management processes in a high-growth fintech or lending environment.

What success looks like

You deliver timely, well-supported funding decisions; identify material risks before funding; maintain clear and complete approval records; and help inKind grow a healthy portfolio of restaurant partners.

Compensation and benefits: $120,000 - 155,000 base salary + Benefits Who we are:

inKind connects passionate diners with exceptional restaurants across the country. inKind partners with thousands of restaurants and has millions of users who want to discover great places, dine confidently, and earn meaningful rewards.

Through the inKind app, guests earn 20% back every time they dine, turning everyday meals into something more rewarding. From celebrated restaurant groups like José Andres and Michael Mina to beloved neighborhood favorites, inKind helps diners explore the best restaurants in town while supporting the restaurants and chefs who shape how their cities eat.

Rooted in hospitality and built on a win-win philosophy, inKind exists to help great restaurants thrive while inspiring guests to dine out more often. Every meal creates value on both sides of the table, empowering diners to savor more while strengthening the restaurant community.

inKind is an Equal Opportunity Employer. We believe that diversity is vital to inKind's ability to provide our clients with the best recommendations and are committed to fostering a varied and inclusive work environment. Your race, color, ancestry, religion, gender, gender identity, national origin, sexual orientation, age, marital status, disability status, veteran status, or any other protected category have no bearing on our hiring decisions.

By submitting this application, you acknowledge that inKind Cards, Inc. may share the information you provide with trusted third-party service providers, including fraud detection and application processing partners, to evaluate your application and ensure the integrity of our hiring process. Your information will be handled in accordance with our [Privacy Policy](http://inkind.com/privacy). For California residents and others with applicable rights, please review our privacy notice for information about your rights regarding your personal data.

## About inKind

## Company Overview
- **One-liner**: inKind is a hospitality fintech platform that lets diners earn 20% back at thousands of restaurants while providing growth capital to restaurant operators.
- **Entity Type**: Private (multiple funding rounds; $458.6M total funding)
- **Headquarters**: Austin, Texas, USA
- **Founded**: 2018 (company traces roots to a restaurant incubator started in 2013/2016)
- **Founders**: Not publicly disclosed

## Core Business
- Primary industries: Hospitality, Fintech, Restaurant Technology
- Target customers: B2B (independent restaurants and hospitality groups) and B2C (diners)
- Mission: “Support restaurants and connect consumers with experiences that enrich their everyday moments and commemorate their landmarks.”

## Products & Services
- **inKind App**: A mobile app that allows diners to pay their restaurant bill seamlessly and earn 20% back on every purchase. Users can also link their best dining rewards credit card to double dip. The app offers exclusive access to perks, offers, and events.
- **inKind Funding**: A unique funding model where inKind provides capital to restaurants in exchange for future credit. This model helps restaurants grow while creating a flywheel of diner engagement.
- **Gift Cards & Rewards**: High-dollar gift cards sold to guests, driving traffic to partner restaurants.

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: Total funding of $458.6M across 12 rounds (LinkedIn data)
- **Notable Investors/Partners**: Partners include celebrated restaurant groups like José Andrés and Michael Mina, as well as thousands of independent restaurants nationwide. Specific investors are not publicly listed in available sources.
- **Growth Signals**: Over 4.5 million app store downloads, 75,000+ reviews with a 4.9 rating, $100 million rewarded to guests so far. Headcount grew 27.1% year-over-year to 140 employees. Active job postings increased 300% year-over-year. Expanding sales teams into multiple new cities (Phoenix, Charlotte, Minneapolis, etc.).

## Competitive Advantages
- **Win-Win Model**: Restaurants receive growth capital without traditional debt; diners earn meaningful rewards, creating a self-reinforcing ecosystem.
- **High User Engagement**: Exceptional app store rating (4.9) and large user base indicate strong product-market fit.
- **Curated Restaurant Network**: Partnerships with top-tier chefs and beloved local spots provide a differentiated dining discovery experience.
- **Data & Technology**: A dedicated engineering team (Senior React Native, Platform, Data Engineer AI) building a seamless payment and rewards platform.

## Strategic Focus
- **Geographic Expansion**: Actively hiring Account Executives for new markets (Phoenix, Charlotte, Tampa, San Diego, etc.) to grow the restaurant partner network.
- **Engineering & Product Investment**: Hiring senior software engineers (React Native, Platform) and a Data Engineer (AI) to enhance the app and data capabilities.
- **Security & Compliance**: Adding a Senior Director of Security & Compliance, signaling a focus on enterprise-grade infrastructure and regulatory readiness.
- **Operational Enablement**: A new Senior Director of Partner Operations & Enablement to scale restaurant partnerships.

## Why Work Here
- **Culture**: Collaborative, cross-functional environment with values like “Triple Win,” “Speak Up,” “Share a Meal,” and “Try. Listen. Iterate.” Emphasis on celebrating achievements and continuous learning.
- **Work Model**: Hybrid workspace in Austin, TX – employees typically on-site 3.5 days a week. Remote roles available for some sales positions.
- **Perks**: Daily company-provided lunches, unlimited snacks, dog-friendly office, free parking & fitness center, unlimited vacation policy, 401K plan, childcare policy & paid parental leave, short-term disability insurance, company-provided Apple devices.
- **Engineering Culture**: Modern tech stack (React Native, Braze, data engineering) with a focus on building a high-quality, scalable platform. The team is relatively small (35 product + tech employees), offering significant ownership and impact.

## Sources
1. [inkind.com/careers](https://inkind.com/careers)
2. [inkind.com](https://inkind.com/)
3. [job-boards.greenhouse.io/inkind](http://job-boards.greenhouse.io/inkind)
4. [builtin.com/company/inkind](https://builtin.com/company/inkind)
5. [linkedin.com/company/inkindcapital](https://www.linkedin.com/company/inkindcapital)

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