Working capital finance- lead

Intellectual Capital HR Consulting Pvt. Ltd.; Coimbatore District; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a dynamic leader to build and scale the New Age Business (NAB) vertical focused on working capital solutions for startups and new-age companies.

Location is Gurgaon, with end-to-end ownership of origination, program development, deal execution, DCM distribution, and risk management. The role demands 12–16 years in working capital/trade finance, proven startup/VC deal origination, and strong leadership.

Qualifications

• Deep expertise in working capital products (SCF, invoice discounting, structured lending).
• Strong financial analysis and credit underwriting skills.
• Understanding of DCM structuring and distribution models.
• Experience in portfolio monitoring and risk management.

Responsibilities

• Build a scalable origination engine through VC/VD relationships, founder networks, and ecosystem partnerships.
• Drive consistent deal flow and create a predictable pipeline.
• Design and activate anchor-led SCF programs and ecosystem financing solutions.
• Own end-to-end deal lifecycle: sourcing, structuring, credit evaluation, and closure.
• Build and operationalise DCM distribution channels; co-lending and syndication partnerships.
• Lead a high-performing team of deal managers and analysts; drive pipeline reviews and coaching.

Skills

SCF

Invoice discounting

Structured lending

Credit underwriting

DCM distribution

Portfolio risk

Education

MBA/PGDM (Finance) or CA

CFA/CMA

Job description

Job Description New Age Business (NAB) Lead

Location: Gurgaon

About the Role

We are looking for a dynamic and entrepreneurial leader to build and scale the New Age Business (NAB) vertical, focused on working capital solutions for startups and new-age companies.

This is a high-impact leadership role responsible for creating a structured, scalable business in a segment underserved by traditional lenders. The role involves driving origination through deep engagement with the VC/founder ecosystem, building anchor-led supply chain finance programs, and establishing strong distribution partnerships.

The incumbent will also bridge on-balance-sheet lending and off-balance-sheet (DCM) distribution, ensuring efficient execution and strong portfolio quality.

Key Responsibilities

1. Business Building & Origination

• Build a scalable origination engine through VC/VD relationships, founder networks, and ecosystem partnerships
• Drive consistent deal flow and create a predictable pipeline
• Establish the platform as a preferred working capital partner for startups and new-age companies

2. Anchor & Program Development

• Design and activate anchor-led Supply Chain Finance (SCF) programs
• Build ecosystem-driven financing solutions across vendor, dealer, and channel networks

3. Deal Execution & Structuring

• Own end-to-end deal lifecycle: sourcing, structuring, credit evaluation, and closure
• Structure working capital solutions including invoice discounting, SCF, and structured debt
• Prepare and present credit proposals to internal committees

4. DCM & Distribution

• Build and operationalise Debt Capital Markets (DCM) distribution channels
• Partner with banks and NBFCs for co-lending and syndication
• Ensure effective distribution of larger mandates

5. Team Leadership

• Build and lead a high-performing team of deal managers and analysts
• Drive performance through structured pipeline reviews and coaching
• Develop capabilities across credit, execution, and client management

6. Portfolio & Risk Management

• Ensure portfolio quality through robust underwriting and monitoring
• Track early warning signals and proactively manage delinquencies
• Maintain strong governance across deal structures and documentation

Skills & Competencies

Technical Skills

• Deep expertise in working capital products (SCF, invoice discounting, structured lending)
• Strong financial analysis and credit underwriting skills
• Understanding of DCM structuring and distribution models
• Experience in portfolio monitoring and risk management

Candidate Profile

Education

• MBA/PGDM (Finance) or CA (Mandatory)
• Preferred: Tier 1 MBA or CA with CFA/CMA

Experience

• 12–16 years in working capital, trade finance, or structured lending
• Proven track record in deal origination via startup/VC networks
• Experience in team management and portfolio ownership

Preferred Background

• Fintech / New-age NBFC / Startup-focused lending platforms
• Exposure to DCM, co-lending, or structured partnerships
• Strong network across VCs, venture debt funds, and accelerators

Ideal Candidate Comes From

• Fintech / digital lending platforms
• Private sector banks
• NBFCs
• Venture debt firms