Manager / Sr. Manager Director Credit Underwriting & BD (Global)

Job Title : Manager / Senior Manager - Credit Underwriting & BD (Global)

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.

Role Overview

This is a senior global credit leadership position that combines:

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.

This is ideal for someone who can handle global founders, investors, and partners and wants to build the company's global credit engine from the ground up.

Key Responsibilities

Global Credit Business Development (BD):

• Source fintechs, lenders, NBFCs, PSPs, and credit-heavy businesses across the USA, UK, EU, SG, UAE, LATAM, and emerging markets.
• Lead CXO-level conversations, identify high-quality borrowers, and convert them into company partners.
• Drive end-to-end lifecycle:
• lead gen qualification, underwriting, structuring, term sheet negotiations, and closing.
• Grow the company's global borrower pipeline across cross-border payments, remittance, merchant settlement, fintech lending, card programs, and other credit-intensive verticals.

Underwriting and 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 and revolving structures, DA/PTC/true sale securitization, and SPV-based structured credit deals.
• Build rating models, scorecards, risk matrices, and early-warning frameworks.

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 and Lead Company 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 the company in global calls with ecosystems, RWA partners, and stablecoin funds.

Requirements:

• 7-12 years of 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, and MBA-Finance preferred.
• Exceptional communication skills to speak with global founders, CFOs, and credit teams.
• Experience in both underwriting and BD/deal origination is a strong advantage.
• Comfortable with the 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 company.
• 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.

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 the Bangalore office, in an early-stage startup where outcomes are greater than excuses, and solutions matter more than problems.