Qiro Finance
https://qiro.fiAbout
Qiro Finance is an institutional on-chain private credit protocol built with robust credit underwriting infrastructure. The platform leverages DeFi rails with regulatory standings to enable structured private credit transactions on-chain. Qiro focuses on creating a reliable and transparent framework that supports institutional participation in decentralized credit markets.
By connecting institutional on-chain lenders with emerging market borrowers, Qiro facilitates access to private credit opportunities designed for higher net yield. Its infrastructure is purpose-built to support compliant, on-chain credit origination and underwriting, positioning Qiro as a marketplace for institutional-grade private credit within decentralized finance.
Candid answers by the company
We are a fintech lending company where we are working with both blockchain based fintech companies as well as traditional companies
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Jobs at Qiro Finance
Python
Amazon Web Services (AWS)About the Role
Qiro is building the infrastructure powering the next generation of underwriting, credit analytics, and tokenized private credit markets.
We are looking for a Tech Lead — Credit & Blockchain Infrastructure to lead the architecture and execution of our core systems — spanning underwriting engines, credit lifecycle workflows, and blockchain-integrated capital markets infrastructure.
This is not a feature delivery role. This is a system ownership role.
You will be hands-on while leading a growing engineering team in a fast-moving, in-office environment.
What You’ll Own
- Define and evolve the long-term technical vision for Qiro’s programmable credit infrastructure — architecting cohesive systems that unify underwriting engines, credit lifecycle workflows, and tokenized capital markets.
- Own the end-to-end architecture of scalable backend platforms (Python and/or TypeScript), establishing clear boundaries between risk logic, platform APIs, and smart contract integrations while ensuring scalability, auditability, and extensibility.
- Build and standardize configurable underwriting and credit lifecycle systems — from onboarding and drawdown orchestration to repayment waterfalls and early closures — ensuring deterministic, traceable financial state transitions at institutional scale.
- Set integration and infrastructure standards across API contracts, data models, validation layers, and event-driven architectures, enabling reliable synchronization between off-chain services and on-chain contracts.
- Architect secure and resilient blockchain integrations, including wallet interactions, capital flow coordination, and observable on-chain/off-chain state reconciliation.
- Lead high-impact, cross-product initiatives from RFC and system design through production launch — validating architectural decisions, aligning stakeholders, and delivering measurable improvements in reliability, performance, and developer velocity.
- Elevate reliability and operational excellence by defining SLOs, strengthening CI/CD and observability practices, reducing latency, and minimizing systemic risk in financial workflows.
- Build and scale the engineering organization — mentoring senior engineers, shaping hiring standards, driving architecture reviews, and fostering a culture of ownership, craftsmanship, and first-principles thinking.
- Partner closely with Product, Design, Security, and Operations to translate complex lending and capital market mechanics into simple, robust platform primitives.
Who You Are
- 6-8+ years of engineering experience, with 3+ years in technical leadership roles.
- Strong backend architecture experience in Python and/or TypeScript.
- Comfortable designing distributed systems and financial workflows.
- Experience building fintech, lending, underwriting, trading, or blockchain-integrated systems.
- Strong understanding of API design, state management, and data modeling.
- Able to navigate ambiguity and build 0→1 infrastructure.
- Hands-on builder who leads by writing production-grade code.
We Value
- Experience with underwriting engines or policy-driven decision systems.
- Exposure to smart contracts and blockchain integrations.
- Familiarity with PostgreSQL and event-driven architectures.
- Experience in early-stage or high-growth startups.
- Strong product thinking and ability to translate complex financial logic into scalable systems.
Why Join Qiro
- Lead the architecture of a programmable credit infrastructure platform.
- Join the founding technical leadership team.
- High autonomy and ownership — your decisions shape the company.
- In-office collaboration in Bangalore for speed and iteration.
- Competitive compensation and meaningful equity.
Our Culture
We operate with:
- First-principles thinking
- Technical craftsmanship
- High ownership
- Fast execution with long-term architectural discipline
The recruiter has not been active on this job recently. You may apply but please expect a delayed response.
Who we are:
At Qiro, we are a dynamic team united by a mission to foster a fair, transparent, and decentralized global lending market. Our focus lies in developing an institutional private credit protocol that seamlessly connects on-chain stablecoin lenders with off-chain fintech borrowers.
What are we looking for:
We are seeking a highly skilled and experienced Head of Credit to lead our credit department and drive our lending strategies. As the Head of Credit, you will be responsible for overseeing all aspects of credit underwriting, risk management, credit policy, ensuring that our lending practices align with regulatory requirements and industry best practices while maximizing profitability. The borrowers are NBFIs / NBFCs / Fintech lenders / Debt Funds spread across emerging economies like SEA, LATAM, etc.
Responsibilities:
- Head the Risk Policy, Credit Underwriting and Collection functions of NBFC / NBFI / Fintech lender / Debt fund from SEA, LATAM, etc.
- Facilitate the development and constant update of risk policies and related frameworks.
- Proactive risk assessment of existing portfolio on 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.
- Evaluating creditworthiness and financial stability of global borrowers such as NBFC / NBFI / Fintech Lenders / Debt Funds.
- Assessing risks in lending and making informed decisions.
- Maintaining up-to-date knowledge of lending regulations.
- Provide detailed monthly and weekly reporting for LPs, investors, and management.
- Build, review, update and maintain the Credit Policy.
Requirements:
- Minimum 7 years of experience in the Banking/NBFC/Fintech space with at least 3-4 years of experience at management level.
- Minimum Bachelor’s degree in finance, economics, or related field.
- Experience in credit analysis or underwriting of NBFCs / Fintech lenders / FIs
- Strong analytical and decision-making skills.
- Excellent communication and interpersonal abilities especially to manage global (mostly SEA & LATAM) FIs (NBFC / NBFI / Fintech Lender / Debt Fund)
- In depth knowledge of credit fund, hedge fund, debt fund, structured debt, corporate finance, and fintech lending.
- Strong understanding of regulatory requirements and compliance issues related to lending operations.
- Exceptional skills in understanding data, trend analysis, score cards and behavior scores is must
Nice to have:
- Excellent communication skills along with strong presentation and data analytics skills.
- Professional certifications such as CA, CFA, FRM, or similar credentials are a plus.
Benefits:
- Global exposure
- Intro to Decentralised Finance world
- Competitive salary and performance-based bonuses.
- Flexible remote work.
- Flexible working hours.
- Opportunities for professional development and career growth within a dynamic global fintech company.
Salary Range : 20 LPA to 35 LPA
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About Us
Incubyte is an AI-first software development agency, built on the foundations of software craft, where the “how” of building software matters as much as the “what”. We partner with companies of all sizes, from helping enterprises build, scale, and modernize; to pre-product founders bring their ideas to life.
Incubees are power users of AI across the SDLC for speed and efficiency. Guided by Software Craftsmanship values and eXtreme Programming practices, we bring velocity together with the discipline of quality engineering to deliver high-impact, reliable solutions – fast.
Guiding Principles
- Living and breathing our guiding principles on a daily basis is key to success at Incubyte:
- Relentless Pursuit of Quality with Pragmatism
- Striving for exceptional quality without losing sight of practical delivery needs.
- Extreme Ownership Taking full responsibility for decisions, work, and outcomes.
- Proactive Collaboration Actively seeking opportunities to collaborate and leverage the team’s collective strengths.
- Active Pursuit of Mastery Continuously learning, improving, and mastering the craft, never settling for ‘good enough’.
- Invite, Give, and Act on Feedback
- Creating a culture of timely, respectful, actionable feedback for mutual growth.
- Ensuring Client Success Acting as trusted consultants and focusing on delivering true value and outcomes for clients.
Job Description
This is a remote position
Experience Level
This role is ideal for engineers with 5+ years of total experience, including strong hands-on software development experience and 1+ year of technical leadership experience, with a proven track record of shipping complex projects successfully.
An experienced individual contributor and leader who thrives in large, complex projects with widespread impact.
Role Overview
As a Senior Engineer, you’ll ensure that projects don’t just get built — they get shipped. You’ll be the driving force behind architecture design, technical decision-making, project delivery, and stakeholder communication.
A Senior Craftsperson is a multiplier for any team:
- Able to independently own ill-defined, highly ambiguous projects.
- Thinks holistically across Product, Design, Platform, and Operations to deliver highly impactful solutions.
- Shapes roadmaps to tackle complex problems incrementally.
- Raises the quality, correctness, and suitability of their team’s work, with visible impact across their business domain and beyond.
- Strong mentor, role model, and coach for other engineers.
If you take pride in shipping high-quality software, mentoring teams, and creating an environment where engineers can thrive, we’d love to hear from you.
What You’ll Do
- Lead projects end-to-end, from architecture to deployment, ensuring timely, high-quality delivery.
- Collaborate with Engineering and Product Managers to plan, scope, and break work into manageable tasks.
- Always know if the project can ship, with clear trade-offs when needed.
- Drive technical decisions with a shipping-first mindset and active participation in key meetings.
- Maintain deep knowledge of your services, identifying risks and creating mitigation strategies.
- Review code for quality and best practices, mentoring engineers to improve their craft.
- Communicate clearly with stakeholders, set realistic expectations, and build trust.
- Support and guide engineers, helping unblock issues and foster collaboration.
- Anticipate challenges, prepare fallback plans, and facilitate problem-solving.
- Keep documentation accurate, up-to-date, and accessible.
You will also:
- Lead highly ambiguous projects of critical business impact, balancing engineering, operational, and client priorities.
- Link technical contributions directly to business impact, helping the team and stakeholders align.
- Contribute meaningfully to team goals, with visibility into business objectives over multiple quarters.
- Ensure safe rollout of new features through incremental releases, monitoring, and metrics.
- Anticipate and mitigate risks across connected systems, ensuring minimal operational impact.
- Proactively improve system quality and longevity while leveling up those around you.
- Shape roadmaps, vision, and practices of the engineering discipline, influencing both your team and the wider business.
Requirements
What We’re Looking For
- 5+ years of software development experience, with strong architectural design skills.
- Strong hands-on experience with Python and PHP (must-have) and react.js (good-have).
- 1+ year in a technical leadership role, managing pods or cross-functional teams.
- Proficiency in system design, service ownership, and technical documentation.
- Strong experience with code reviews and quality assurance practices.
- Proven ability to communicate effectively with technical and non-technical stakeholders.
- Track record of delivering complex projects on time.
You will also bring:
- Ability to own large, complex projects with widespread impact.
- Demonstrated influence beyond the immediate team, shaping outcomes across a business domain.
- Strengths in stakeholder management and navigating complex scenarios.
- Skills in deliberate discovery to uncover unknowns and design solutions that succeed in real-world conditions.
Benefits
What We Offer
Dedicated Learning & Development Budget: Fuel your growth with a budget dedicated solely to learning.
Conference Talks Sponsorship: Amplify your voice! If you’re speaking at a conference, we’ll fully sponsor and support your talk.
Cutting-Edge Projects: Work on exciting projects with the latest AI technologies
Employee-Friendly Leave Policy: Recharge with ample leave options designed for a healthy work-life balance.
Comprehensive Medical & Term Insurance: Full coverage for you and your family’s peace of mind.
And More: Extra perks to support your well-being and professional growth.
Work Environment
- Remote-First Culture: At Incubyte, we thrive on a culture of structured flexibility — while you have control over where and how you work, everyone commits to a consistent rhythm that supports their team during core working hours for smooth collaboration and timely project delivery. By striking the perfect balance between freedom and responsibility, we enable ourselves to deliver high-quality standards our customers recognize us by. With asynchronous tools and push for active participation, we foster a vibrant, hands-on environment where each team member’s engagement and contributions drive impactful results.
- Work-In-Person: Twice a year, we come together for two-week sprints to collaborate in person, foster stronger team bonds, and align on goals. Additionally, we host an annual retreat to recharge and connect as a team. All travel expenses are covered.
- Proactive Collaboration: Collaboration is central to our work. Through daily pair programming sessions, we focus on mentorship, continuous learning, and shared problem-solving. This hands-on approach keeps us innovative and aligned as a team.
Incubyte is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.
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Our Commitment
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