Director - Debt Capital Markets

About WeRize:

India's first social distribution AI fintech platform for the underserved aspirational middle-class delivering Secured & Unsecured loans, Insurance, and Investment products across 5,000+ small cities of India (referred as India-2).

Founded in 2019, WeRize is at an annualized-run-rate of $60 Mn (Gross revenues) and $32 Mn (Net) and $7 Mn+ of net profits before taxes (3x Y-o-Y growth) with ROE > 20%.

We are projecting ~2x growth in topline and ~3x growth in profits over the next 12 months.

WeRize operates as a category creator three-sided marketplace connecting 17,000+ trained local freelancers with India-2 customers and partner financial institutions, all powered by a full-stack AI operating layer that creates a flywheel of trust with self-reinforcing network effects.

- Distributor trust: Freelancers are empowered through AI-led tools that help them act in the long-term best interests of their customers.

- Customer trust: End customers rely on WeRize's assisted distributor, data-driven recommendations across both asset and liability products.

- Manufacturer trust: Financial Institutions rely on WeRize's data, risk management and distribution intelligence to reach small city customers that they can't serve on their own.

Key highlights: What do we do:

- Large, underpenetrated market opportunity: India's 300 Mn+ aspirational middle-class captures ~30% of GDP, yet remains financially underserved across credit, insurance, and investments. Pure-digital models lack the required trust, while physical branches are economically unviable.

- Differentiated, asset-light social distribution: WeRize leverages 17,000+ financially literate freelancers across 5,000+ small cities. This branchless, zero-sales-team model delivers high-trust human touchpoints, superb unit economics, and strong freelancer retention through a broad product suite.

- Proprietary AI driven tech stack: Trained on 20 Bn+ data points across 4 Mn+ households, WeRize's AI powers end-to-end operations. For distribution, it optimizes lead gen, selling, and engagement - turning freelancers into professional advisors. For manufacturing, it sharpens risk management, underwriting, and product structuring for high-margin expansion.

About the role:

This is a high-impact leadership role responsible for driving the debt capital-raising mandate and building a resilient, diversified debt pipeline for the in-house NBFC.

As Director - Debt Raising & Debt Capital Markets, you will design balance-sheet growth strategy, structure institutional transactions, expand lender coverage, and lower the overall cost of capital.

You will lead end-to-end deal origination, structuring, execution, and ongoing relationship management across Private Banks, PSU Banks, NBFCs, AIFs, and capital market investors.

Key Responsibilities:

1. Institutional Debt Sourcing & Capital Mobilization:

- Mobilize term debt, working capital facilities, and credit lines from Private Sector Banks, PSU Banks, financial institutions, and AIFs to support growth.

- Drive the strategy, structuring, and placement of Non-Convertible Debentures (NCDs) by building and nurturing an active network of institutional and HNI investors.

- Execute portfolio securitization transactions, including Pass Through Certificates (PTCs) and Direct Assignments (DAs) across retail credit portfolios.

2. Deal Execution & Stakeholder Management:

- Lead the preparation of Information Memorandums (IMs), detailed financial models, and pitch for prospective lenders.

- Manage prospective lender due diligence and address complex credit, risk, and operational queries from financial partners.

- Lead commercial, financial, and legal negotiations for debt documentation, including sanction letters, facility agreements, and security creation.

3. Treasury Strategy & Portfolio Management:

- Formulate long-term capital supply strategies to optimize the cost of funds and balance sheet liquidity.

- Monitor Asset-Liability Management (ALM), cash flow projections, and debt covenant compliance to guarantee continuous liquidity.

- Solve operational and structural bottlenecks to ensure seamless, uninterrupted debt drawdown schedules.

4. Leadership & Team Management:

- Nurture high-trust, long-term senior relationships with Business Heads, Chief Credit Officers, Credit and Debt Capital Market teams across institutional lenders.

- Guide, mentor, and build a high-performing team of managers and senior managers in day-to-day treasury execution and deal closing.

Required Qualifications & Experience:

- Experience: 10 - 12 years of hands-on experience in institutional debt raising, debt capital markets, or treasury leadership within an NBFC, FinTech, or Investment Bank.

- Education: MBA in Finance from a top-tier business school or Chartered Accountant (CA) credentials are mandatory.

- Technical Expertise: Comprehensive understanding of credit structures, PTC/DA securitization routes, NCD issuances, and financial covenant management.

- Track Record: Proven capability to independently raise debt across PSU/Private banks, NBFCs, and capital markets.

- Leadership & Drive: Exceptional negotiation skill, analytical precision, project management discipline, and strong stakeholder management capabilities.