Director - Credit BD, Underwriting & Risk Assessment (Global)

Job Title: Director - Credit BD, Underwriting and Risk Assessment

Experience: 8-12 years or more.

Location: Bengaluru, India

The client is a Fintech Company (startup) in the lending space and is also involved in the web3 ecosystem.

Key Responsibilities -

A. Global Credit Business Development (BD)

Source fintechs, lenders, NBFCs, PSPs, and credit-heavy businesses across USA, UK, EU, SG, UAE, LATAM, and emerging markets.

Lead CXO-level conversations, identify high-quality borrowers, and convert them into the client's partners.

Drive end-to-end lifecycle: lead gen qualification underwriting structuring term sheet negotiations closing.

Grow the clients global borrower pipeline across cross-border payments, remittance, merchant settlement, fintech lending, card programs, and other credit-intensive verticals.

B. Underwriting & 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 + revolving structures DA/PTC/True Sale securitization SPV-based structured credit deals

Build rating models, scorecards, risk matrices, and early-warning frameworks.

C. 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 & Lead the client's 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 client in global calls with ecosystems, RWA partners, and stablecoin funds.

Requirements

712 years 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, MBA-Finance preferred.

Exceptional communication skills to speak with global founders, CFOs, and credit teams.

Experience in both underwriting + BD/deal origination is a strong advantage.