Director – Credit BD, Underwriting

Top 5 Must-Have Qualities Deep experience underwriting NBFCs, fintechs, lenders, or financial institutions (Preferably India + global, particularly developed markets). End-to-end Credit BD + Underwriting executor — sourcing fintech borrowers globally, evaluating, structuring, negotiating, and closing deals. Expertise in structured credit, LOCs, term loans, True Sale, DA/PTC , securitization, and SPV-based lending. High-ownership operator who thrives in global time zones and high-pressure environments. Comfortable working from Bangalore office , in an early-stage startup where outcomes > excuses , and solutions matter more than problems. About Qiro Qiro is an on-chain private credit marketplace built using enterprise-grade credit underwriting infrastructure . We cater to fintechs and lenders across developed markets including the USA, UK, EU, Singapore, and UAE , as well as emerging markets. On the supply side, Qiro partners with: Stablecoin funds, Crypto credit & RWA funds, On-chain private credit protocols, RWA ecosystems & L1/L2 chains to enable institutional-grade, transparent, real-world yield. Qiro bridges global fintech credit demand with stablecoin capital using verifiable, data-driven underwriting rails. Role Overview This is a senior global credit leadership position that combines: 1. Credit Business Development (Global) Sourcing, evaluating, negotiating, and onboarding fintechs from developed markets (USA/UK/EU/SG/UAE). 2. Underwriting & Risk Leadership Leading the credit evaluation, structuring, risk assessment, and governance process globally. You will handle the complete credit lifecycle: Sourcing → Underwriting → Deal Structuring → Negotiation → IC Approval → Disbursement → Monitoring. This is ideal for someone who can handle global founders, investors, and partners and wants to build Qiro’s global credit engine from the ground up. Key Responsibilities A. Global Credit Business Development (BD) Source fintechs, lenders, NBFCs, PSPs, and credit-heavy businesses across USA, UK, EU, SG, UAE, LATAM, and emerging markets. Lead CXO-level conversations, identify high-quality borrowers, and convert them into Qiro partners. Drive end-to-end lifecycle: lead gen → qualification → underwriting → structuring → term sheet → negotiations → closing. Grow Qiro’s global borrower pipeline across cross-border payments, remittance, merchant settlement, fintech lending, card programs, and other credit-intensive verticals. B. Underwriting & Deal Structuring Underwrite fintechs/lenders using global best practices, analyzing financials, risk models, bank statements, cohorts, and loan book metrics. Structure facilities such as: Committed / Uncommitted LOCs Term Loans Bullet + revolving structures DA/PTC/True Sale securitization SPV-based structured credit deals Build rating models, scorecards, risk matrices, and early-warning frameworks. C. Global Risk Management Set credit covenants, exposure limits, market caps, and monitoring cadence. Evaluate concentration risks across geographies, lenders, and asset classes. Continuously track portfolio performance and flag weak accounts. D. Build & Lead Qiro’s Credit Infrastructure Create global credit policy, underwriting frameworks, risk guidelines, and reporting structures. Mentor junior underwriting analysts. Work closely with legal, tech, partnerships, operations, and external service providers. Represent Qiro in global calls with ecosystems, RWA partners, and stablecoin funds. Requirements 7–10 years underwriting fintechs or financial institutions across India and global markets (USA/UK/EU/SG/UAE strongly preferred). Strong grounding in credit analysis, structured credit, securitization, LOCs, and portfolio monitoring . CFA, CA, FRM, MBA-Finance preferred. Exceptional communication skills to speak with global founders, CFOs, and credit teams. Experience in both underwriting + BD/deal origination is a strong advantage. Comfortable with Bangalore office , global time zones, and startup-level speed. Ability to manage large workloads and maintain a solution-first, no-excuses mindset. What We’re Really Looking For A builder / intrapreneur , not just an underwriter. Someone who can bring global fintechs / marketplaces to the Qiro. Someone who thrives under ambiguity, pressure, and global coordination. Someone who can convert feedback into action and build systems from scratch. Someone who prefers speed, ownership, and outcomes over comfort. Benefits Global exposure across USA, UK, EU, SG, UAE, Africa, LATAM. Work with top stablecoin funds, DeFi / RWA protocols, and on-chain ecosystem partners. Competitive salary + Performance-based incentives + ESOPs Direct work with founders on global strategy, market expansion, and deal execution. Fast growth trajectory toward Head of Credit or Chief Risk Officer (Global) .