Head of Borrow and Credit Line (Office, Spain)

We are the creators of a new fintech era!
Our mission is to change this world by making blockchain accessible to everyone in everyday life. WhiteBIT is a global team of over 1,200 professionals united by one mission — to shape the new world order in the Web3 era. Each of our employees is fully engaged in this transformative journey.
We work on our blockchain platform, providing maximum transparency and security for more than 8 million users worldwide. Our breakthrough solutions, incredible speed of adaptation to market challenges, and technological superiority are the strengths that take us beyond ordinary companies. Our official partners include the National Football Team of Ukraine, FC Barcelona, Lifecell, FACEIT and VISA.

The future of Web3 starts with you: join us as a Head of Borrow and Credit Line Product! Requirements:

- 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. 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. Immerse yourself in Crypto & Web3:
— Master cutting-edge technologies and become an expert in the most innovative industry.
Work with the Fintech of the Future:
— Develop your skills in digital finance and shape the global market.
Take Your Professionalism to the Next Level:
— Gain unique experience and be part of global transformations.
Drive Innovations:
— Influence the industry and contribute to groundbreaking solutions.
Join a Strong Team:
— Collaborate with top experts worldwide and grow alongside the best.
Work-Life Balance & Well-being:
— Modern equipment.
— Comfortable working conditions, and an inspiring environment to help you thrive.
— 30 calendar days of paid leave.
— Health insurance.
— Additional days off for national holidays.