Head of Borrow and Credit Line

Hace 2 días

santiago de compostela, galicia, España WhiteBIT Group Jornada completa
Head of Borrow and Credit Line Product Responsibilities
  • Own the business performance of the Borrow and Credit Line products, including achieving revenue, profitability, and other target KPIs.
  • Develop and execute the operational strategy for lending products in alignment with the company's business objectives.
  • Design and adjust credit policies, including LTV parameters, liquidation thresholds, borrowing limits, and collateral requirements.
  • Monitor the achievement of financial targets in collaboration with Commercial, Finance, and Product teams.
  • Define and prioritize the product roadmap for the lending direction.
  • Launch new lending products, credit programs, and collateral models.
  • Oversee the efficiency of loan issuance processes, collateral management, liquidations, and debt management activities.
  • Ensure effective monitoring systems for key business, financial, and risk metrics across the lending portfolio.
  • Represent the Borrow and Credit Line business at the executive level, providing justification for investments, strategic changes, and growth initiatives.
  • Develop and align business cases, budgets, and resource requirements for the lending function.
  • Initiate and supervise initiatives aimed at improving capital efficiency and liquidity utilization within lending products.
  • Ensure business readiness for market risk scenarios, periods of high volatility, and crisis events.
Qualifications
  • At least 7 years of experience managing financial, lending, or investment products, including a minimum of 3 years in leadership positions.
  • Strong understanding of liquidity cost management, capital allocation, and lending portfolio profitability.
  • Deep knowledge of cryptocurrency products, lending products, and digital asset markets.
  • Solid understanding of collateral management, liquidation mechanisms, margin requirements, and credit limit frameworks.
  • Strong analytical skills with the ability to make data-driven and financially sound decisions.
  • Proven experience in credit risk management and decision-making.
  • Knowledge of financial modeling, unit economics, and key lending business metrics.
  • Experience launching and scaling lending, margin, or collateralized financial products.
  • Experience collaborating with Finance, Legal, and Product teams at a strategic decision-making level.
  • Ability to develop, present, and defend strategic initiatives to senior management.
  • Strong skills in building KPI frameworks, management reporting systems, and performance monitoring processes.
  • Proficiency in English for effective communication with international teams, partners, and liquidity providers.
Benefits
  • 30 calendar days of paid leave.
  • Health insurance.
  • Additional days off for national holidays.
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