Global Credit Risk Lead
7 days ago
Overview: Qiro Finance, a dynamic fintech company, seeks an experienced Associate Director - Credit Underwriting and Risk (Global) to lead our credit department and drive underwriting strategies. This role offers significant global exposure, connecting various markets and financial institutions.
Estimated Salary: $120,000 - $180,000 per year based on experience and location in Bangalore, India.
Responsibilities include:
- Leading the credit underwriting and risk assessment of fintech asset originators such as NBFIs and fintech lenders from SEA, Europe, LATAM, etc.
- Facilitating the development and constant update of credit policies and related frameworks.
- Proactively assessing the risk of the existing portfolio on a regular basis, identifying weak accounts.
- Constantly monitoring and evaluating Early Warning Signals and deploying/amending the limits structure for managing the risk concentration across a broad range of parameters.
- Evaluating the creditworthiness and financial stability of global fintech asset originators.
- Assessing risks in underwriting pools and making informed decisions.
- Maintaining up-to-date knowledge of lending regulations.
- Building, reviewing, updating, and maintaining the Credit Policy.
- Using and enhancing Qiro's underwriting infrastructure, supporting the distributed underwriting network.
- Coordinating 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.
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
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