Head of Credit

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 risk management, ensuring that our lending practices align with regulatory requirements and industry best practices while maximizing profitability.

Responsibilities:

• Head the Risk Policy, Credit Underwriting and Collection functions of corporate card, credit line, and working capital loans.
• 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.

Requirements:

• 5-7 years of experience in the Banking/NBFC/Fintech space with at least 3-4 years of experience at management level.
• In depth knowledge of Web debt fund, Structured debt, corporate financing and 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 CFA, FRM, or similar credentials are a plus.

Benefits:

• Competitive salary and performance-based bonuses.
• Flexible remote work.
• Flexible working hours.
• Opportunities for professional development and career growth within a dynamic fintech company.