Associate Director
2 weeks ago
Who We Are :
At Qiro, we are a dynamic team united by a mission to foster a fair, transparent, and decentralized global lending market. Headquartered in Singapore, we focus on credit underwriting infrastructure that seamlessly connects with lending protocols / marketplaces where on-chain stablecoin investors invest in off-chain fintech asset originators. We leverage DeFi rails with regulatory standings, connecting institutional stablecoin investors to emerging market asset originators for higher net yield.
What Are We Looking For:
We are seeking a highly skilled and experienced Associate Director - Credit Underwriting and Risk (Global) to lead our credit department and drive our underwriting strategies. As the Associate Director - Credit Underwriting and Risk, you will play a pivotal role in underwriting and managing credit risk for a diverse portfolio of fintech asset originators, including NBFIs across emerging economies such as SEA and LATAM. You will be instrumental in building our credit underwriting infrastructure and developing comprehensive credit policies. Your expertise in underwriting fintech asset originators and your knowledge of securitization (DA, PTC, True Sell, etc.) and CLO / CDO will ensure that our underwriting network is robust and our credit decisions are data-driven. This is a role with significant global exposure, connecting various markets and financial institutions.
Job Location :
Bangalore, India
Responsibilities:
- Lead the Credit Underwriting and Risk Assessment of fintech asset originators such as NBFIs and fintech lenders from SEA, Europe, LATAM, etc.
- Facilitate the development and constant update of credit policies and related frameworks.
- Proactively assess the risk of the existing portfolio on a regular basis, identifying weak accounts.
- Constantly monitor and evaluate Early Warning Signals and deploy/amend the limits structure for managing the risk concentration across a broad range of parameters.
- Evaluate the creditworthiness and financial stability of global fintech asset originators.
- Assess risks in underwriting pools and make informed decisions.
- Maintain up-to-date knowledge of lending regulations.
- Build, review, update, and maintain the Credit Policy.
- Use and enhance Qiro’s underwriting infrastructure, supporting the distributed underwriting network.
- Coordinate with different service providers such as auditors, custodians, rating agencies, etc., globally.
Requirements:
- Minimum 6 years of experience in the Banking/NBFC/Fintech space with at least 2-3 years of experience at the management level.
- Minimum Bachelor’s degree in finance, economics, or related field.
-- Professional certifications such as CA, CFA, FRM, or similar credentials are a plus & will be preferable.
- Expertise in credit analysis or underwriting of NBFCs/fintech asset originators/financial institutions.
- Strong analytical and decision-making skills.
- Excellent communication and interpersonal abilities, especially to manage global financial institutions (NBFIs, NBFCs, fintech lenders, debt funds, etc).
- Must possess knowledge of securitization (DA, PTC, True Sell, etc.), CLO (Collateralized Loan Obligations), CDO (Collateralized Debt Obligations), and structured debt. Preference will be given to those who were involved in securitization and CLO / CDO transactions in the past.
- Exceptional skills in understanding data, trend analysis, scorecards, and behavior scores are a must.
- Ready to dive in and wear multiple hats at an early-stage DeFi startup? It’s an intrapreneur role with lots of room to grow and innovate.
What qualities are we looking for :
- Take full ownership of projects, leading them from concept to completion with a hands-on approach and a “get-it-done” attitude, even in a resource-constrained environment.
- Build processes and systems from scratch while bringing structure to an unstructured, fast-paced startup environment, ensuring scalability and efficiency.
- Lead by example, mentor and guide a junior resource in the credit team, and collaborate effectively across teams to achieve shared goals.
- Operate with high integrity, accountability, and a strong problem-solving mindset, thriving in ambiguity and finding resourceful solutions to challenges.
- Demonstrate a research-oriented attitude to uncover insights, stay curious, and adapt to a dynamic environment while continuously learning and improving.
- Excellent communication skills along with strong presentation and data analytics skills.
Benefits:
- Global exposure
- Introduction to DeFi (Decentralized Finance) world
- Competitive salary and performance-based bonuses
- Flexible working hours
- Opportunities for professional development and career growth within a dynamic global DeFi company
Note:
While we are starting with solving for fintech asset originators, future use cases such as embedded financing, DePIN financing, etc, will also fall under the purview of this role.
The role/designation and salary band will be aligned with your current experience, existing designation, and salary bracket.
Qiro’s Pre-seed fund raise news:
Inc42 - Startup News -
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