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 $32Mn (Net) and $7Mn+ 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 300Mn+ 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 20Bn+ data points across 4Mn+ 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:
1. 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.
2. 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.
3. 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.
4. 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.
