VP – Capital Markets

Company Overview

WeRize is India's first social distribution AI fintech platform serving the underserved aspirational middle-class across 5,000+ small cities in India (referred to as India-2). Founded in 2019, WeRize delivers secured and unsecured loans, insurance, and investment products through a unique three-sided marketplace connecting 17,000+ trained local freelancers with customers and partner financial institutions. Powered by a proprietary AI operating layer, WeRize fosters trust among distributors, customers, and manufacturers, enabling strong network effects and sustainable growth.

Job Summary

The VP – Capital Markets is a high-impact executive leadership role responsible for driving the debt capital-raising mandate and building a resilient, diversified, and institutional-grade debt pipeline for WeRize’s in-house Non-Banking Financial Company (NBFC). This role involves formulating balance-sheet growth strategies, structuring complex institutional transactions, expanding lender and investor coverage, and optimizing the overall cost of capital. The VP will lead end-to-end deal origination, structuring, negotiation, execution, and long-term relationship management with key stakeholders.

Responsibilities

• Institutional Debt Sourcing & Capital Mobilization: Independently mobilize term debt, working capital facilities, and credit lines from private sector banks, public sector banks, large NBFCs, financial institutions, and Alternative Investment Funds (AIFs) to support aggressive loan book growth.
• Credit Rating & Market Positioning: Drive capital mobilization strategies aligned with growth-stage credit ratings, particularly focusing on raising institutional debt and structuring transactions within the BBB rating band.
• Capital Market Instruments: Originate, structure, and place Non-Convertible Debentures (NCDs) and Commercial Papers (CPs) with institutional investors, family offices, and High Net Worth Individuals (HNIs).
• Securitization & Structured Finance: Architect and execute retail portfolio securitization transactions, including Pass-Through Certificates (PTCs), Direct Assignment (DA) routes, and co-lending/First Loss Default Guarantee (FLDG) frameworks.
• Deal Structuring, Execution & Stakeholder Management: Oversee preparation of Information Memorandums (IMs), rating agency presentations, financial models, and lender pitches; lead due diligence, credit appraisals, and risk evaluations; manage commercial and legal negotiations for facility agreements and security creation.
• Treasury Strategy, Asset-Liability Management (ALM) & Portfolio Compliance: Formulate strategic liability management plans to optimize liquidity, reduce borrowing costs, and manage interest rate risk; direct ALM, cash-flow forecasting, Liquidity Coverage Ratio (LCR), and debt covenant compliance; resolve operational bottlenecks to ensure timely debt disbursements.
• Leadership & Ecosystem Networking: Build and maintain trusted relationships with C-suite and senior leaders across banks and financial institutions; mentor and lead a high-performing team across debt syndication, documentation, and compliance functions.

Qualifications

• Experience: Minimum 15+ years of hands-on experience in institutional debt raising, debt capital markets (DCM), or treasury leadership.
• Industry Background: Mandatory experience in NBFCs; additional exposure to Financial Services or FinTech sectors is a strong advantage.
• Credit Rating Expertise: Proven track record of raising and syndicating debt for entities rated in the BBB credit rating band across PSU/private banks, NBFCs, and capital markets.
• Education: Chartered Accountant (CA) or MBA in Finance from a premier institute is mandatory.
• Technical Knowledge: Deep understanding of credit underwriting norms, securitization guidelines (PTC/DA), Reserve Bank of India (RBI) regulatory frameworks, NCD issuances, and covenant structures.
• Location: Based in Mumbai headquarters with willingness to travel and coordinate with Bengaluru HQ.

Preferred Skills

• Strong negotiation skills in commercial and legal contexts.
• Expertise in preparing detailed financial models and strategic lender presentations.
• Ability to manage complex due diligence processes and address lender risk committee queries.
• Leadership skills to mentor and develop a team of directors and managers.
• Networking capabilities to cultivate relationships with senior stakeholders in financial institutions.

Experience

• 15+ years in institutional debt raising, debt capital markets, or treasury leadership roles.
• Demonstrated experience in NBFC sector is mandatory.
• Experience working with PSU and private sector banks, NBFCs, and capital markets in raising debt within the BBB rating band.

Environment

• The role is headquartered in Mumbai with frequent interactions and coordination with the Bengaluru office.
• The position requires travel and engagement with external stakeholders including banks, financial institutions, and investors.
• Work environment is corporate and fast-paced, involving strategic decision-making and leadership responsibilities.