Qiro Finance

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

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