Credit Lead (Underwriter)-fintech & payments expertise

The role

The company Capital is launching a new credit vertical focused on providing short-term liquidity and credit facilities to fintech companies, payment providers, exchanges, and other financial institutions.

We are looking for a Credit Lead (underwriter) focused on institutional lending and liquidity to join this new initiative and help build the credit function from the ground up.

This is a hands-on role for someone with strong experience in credit underwriting and structuring, who is comfortable assessing businesses, making credit recommendations, and developing the policies and processes needed to support a growing lending platform.

Key Responsibilities

• Underwrite and structure credit facilities, including revolving credit facilities, working capital loans, and liquidity facilities.

• Analyse companies' financial statements, cash flows, liquidity position and repayment capacity.

• Determine appropriate lending amounts, terms, covenants, security, and other risk protections.

• Develop credit policies, underwriting guidelines, templates, and concentration limits from scratch.

• Monitor credit risk and borrower performance and establish appropriate risk-monitoring processes.

• Support the development and scaling of the new credit business.

Requirements

• 10+ years of relevant credit experience.

• Strong experience in credit underwriting and structuring , rather than purely credit analysis.

• Previous experience with fintech & payments is mandatory.

• Background in institutional lending, private credit, venture debt, specialty finance, or a similar environment.

• Experience establishing or developing credit policies, processes, or risk frameworks.

• Crypto, digital assets, or stablecoin experience is a plus, but not required .