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
on-chain private credit marketplace
Role Overview
senior global credit leadership position
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.
global founders, investors, and partners
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)
.
