Credit Risk & Underwriting Lead

OWN; Central (LA); Hybrid; USD 58,000 - 93,000; Full time

Benefits offered by this job

Equity/options

Job summary

OWN is seeking a Credit Risk & Underwriting Lead to establish the underwriting foundation for its first fixed-rate onchain mortgage files. You will build repeatable rules and workflows, underwrite initial mortgages manually, and work with product and engineering to automate processes for scalable risk management.

The role requires strong TradFi credit, mortgage underwriting, or secured lending experience, with a preference for exposure to crypto lending or DeFi collateral.

Qualifications

• 5+ years in credit risk or mortgage underwriting or related fields.
• Direct experience reviewing or approving real credit exposures.
• Strong understanding of LTV, collateral valuation, amortization, recoveries, defaults/cures, and credit committee materials.
• Ability to convert underwriting judgment into repeatable rules and workflows.
• Comfortable working with developers to automate credit/risk processes.

Responsibilities

• Build the underwriting framework for borrower eligibility, collateral, LTV, loan duration, amortization, default triggers, cure periods, recoveries, and exception handling.
• Translate framework into underwriting rules, risk models, checklists, templates, and approval workflows.
• Underwrite first mortgage files manually and identify automation opportunities.
• Collaborate with product and engineering to automate borrower intake, collateral analysis, LTV monitoring, credit memo generation, approval flows, and portfolio reporting.
• Define data inputs, model assumptions, risk flags, and decision logic for internal underwriting engine.
• Create lender-facing risk materials for DeFi capital providers and family offices.
• Establish portfolio limits, monitoring rules, stress scenarios, and governance for credit decisions.
• Coordinate with legal/compliance on enforceability and disclosures.

Skills

Credit risk

Mortgage underwriting

LTV analysis

Credit memo templates

Automation collaboration

Job description

# Credit Risk & Underwriting LeadBuild the credit and underwriting foundation for OWN's first fixed-rate onchain mortgage files.LocationCEE + remoteCompensation50,000-80,000 EUR base + performance per dealFocusCredit Risk & Underwriting## MissionOwn the credit and underwriting foundation for OWN's first mortgages. You will create the underwriting framework, apply it to the first real mortgage files, and work directly with the dev team to automate the process into repeatable tools, workflows, and decision systems.Crypto interest is useful, but real TradFi credit, mortgage, secured lending, or bank risk experience is mandatory.## Core Responsibilities* Build OWN's underwriting framework for borrower eligibility, collateral, LTV, loan duration, amortization, default triggers, cure periods, recoveries, and exception handling.* Translate that framework into clear underwriting rules, risk models, checklists, credit memo templates, and approval workflows.* Underwrite the first mortgage files manually, then identify which parts of the process can be automated.* Work directly with product and engineering to automate borrower intake, collateral analysis, LTV monitoring, credit memo generation, approval flows, and portfolio reporting.* Define the data inputs, model assumptions, risk flags, and decision logic needed for an internal underwriting engine.* Build lender-facing risk materials for DeFi capital providers and family offices.* Establish portfolio limits, monitoring rules, stress scenarios, and governance for credit decisions.* Work with legal/compliance on enforceability, disclosures, default process, and lender protections.## Must Have* 5+ years in credit risk, mortgage underwriting, secured lending, housing finance, private credit, structured lending, collateral valuation, or bank risk.* Direct experience reviewing, approving, or challenging real credit exposures.* Strong understanding of LTV, collateral valuation, amortization, recoveries, defaults/cures, and credit committee materials.* Ability to convert underwriting judgment into repeatable rules and workflows.* Comfortable working with developers to automate credit/risk processes.## Nice To Have* Digital assets, crypto lending, DeFi, tokenized RWAs, stablecoins, custody, or smart-contract collateral experience.* Prior work on credit process automation, underwriting engines, risk dashboards, or loan origination systems.* Czech/CEE mortgage, bank credit, or private credit experience.## Compensation50,000-80,000 EUR base + performance per deal.Equity/options may be included for candidates who materially help build OWN's underwriting and credit risk infrastructure.Applications## Apply by emailSend a short note, CV or profile, and relevant deal or capital formation track record to [e-mail].