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
Shubham Vishwakarma
Full Stack Developer - Averlon
About Qiro Finance
About
Qiro is an institutional private credit protocol with robust credit underwriting infrastructure. Qiro leverages DeFi rails with regulatory standings, connecting institutional on-chain lenders to emerging market borrowers for higher net yield.
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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Follow CutshortShubham Vishwakarma
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