WeRize - Director - Debt Capital Markets

Wortgage Technologies Private Limited; Mumbai; Sur place; INR 6 000 000 - 9 000 000; Plein temps

Résumé du poste

WeRize in Mumbai seeks a high-impact Director of Debt Raising & Debt Capital Markets to design balance-sheet growth, structure institutional transactions, and expand lender coverage. You will lead end-to-end origination, structuring, and execution across banks, NBFCs, AIFs, and capital markets.

Ideal candidates have 10–12 years in debt markets, MBA/CA credentials, and a proven track record of raising debt with strong negotiation skills and risk awareness.

Qualifications

• Hands-on experience in institutional debt raising within NBFCs, fintechs, or banks.
• Proven ability to raise debt across PSU/Private banks, NBFCs, and capital markets.
• Strong knowledge of credit structures, PTC/DA securitization, NCD issuances, and covenant management.

Responsabilités

• Source institutional debt and mobilize term debt, working capital facilities, and credit lines.
• Structure and place NCDs with a network of lenders and investors.
• Lead securitization deals including PTCs and DAs for retail portfolios.
• Prepare information memorandums and financial models for lenders.
• Negotiate debt documentation and ensure liquidity and covenants are compliant.
• Guide and mentor a team of treasury professionals and managers.

Connaissances

Institutional debt sourcing

Debt capital markets

Treasury management

Financial modelling

Negotiation and deal execution

Formation

MBA in Finance or CA

Description du poste

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).

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

• 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.


• 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.


• 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.


• 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.

(ref:iimjobs.com)