Credit Lead (Underwriter)-fintech & payments expertise

Tether; Genf; Hybrid; CHF 180,000 - 280,000; Full time

Job summary

Tether is launching a new credit vertical focused on short-term liquidity and credit facilities for fintechs and financial institutions. We seek a Credit Lead to build the credit function from scratch, hands-on with underwriting, structuring, and policy development.

The role requires 10+ years in credit, fintech experience, and a track record of establishing risk frameworks. Crypto knowledge is a plus.

Qualifications

• 10+ years of relevant credit experience.
• Strong experience in credit underwriting and structuring.
• Experience in fintech & payments is mandatory.
• Background in institutional lending, private credit, venture debt or similar.
• Experience establishing or developing credit policies and risk frameworks.
• Crypto/digital assets experience is a plus but not required.

Responsibilities

• Underwrite and structure credit facilities, including revolving facilities and liquidity facilities.
• Analyse financial statements, cash flows, liquidity, and repayment capacity.
• Determine lending amounts, terms, covenants, and security.
• Develop credit policies, underwriting guidelines, templates, and concentration limits.
• Monitor credit risk and borrower performance and establish risk-monitoring processes.
• Support the development and scaling of the new credit business.

Skills

Credit underwriting

Credit structuring

Financial analysis

Cash flow analysis

Job description

The role:

Tether 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 liquidityto 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.

• Team :