About Lucia Protocol: Lucia Protocol is a pioneering non-custodial lending and borrowing platform that is transforming the financial landscape. Our AI-powered credit evaluation system offers seamless credit access to individuals and startup enterprises. We are at the forefront of decentralized finance (DeFi), providing innovative solutions to democratize financial services.
Job Overview:
We are seeking an experienced Underwriter to join our team at the co-founder level. The ideal candidate will have extensive experience in underwriting loans within a consumer credit company or credit company. This individual will play a critical role in shaping our credit evaluation processes, ensuring risk management, and contributing to the overall strategic direction of the company.
Key Responsibilities:
- Credit Evaluation: Develop and implement comprehensive credit evaluation processes for loan underwriting. Utilize AI-powered tools to enhance accuracy and efficiency.
- Risk Assessment: Conduct thorough risk assessments to evaluate the creditworthiness of loan applicants. Develop risk mitigation strategies and policies.
- Loan Underwriting: Oversee the underwriting of loans, ensuring adherence to company policies and industry standards. Make informed decisions on loan approvals and rejections.
- Policy Development: Create and refine underwriting policies and guidelines to align with regulatory requirements and industry best practices.
- Data Analysis: Analyze credit data and trends to provide insights and recommendations for improving underwriting processes and reducing risk.
- Collaboration: Work closely with the product, engineering, and AI teams to integrate underwriting criteria into the platform. Ensure seamless operation and user experience.
- Compliance: Ensure all underwriting activities comply with relevant laws, regulations, and internal policies.
- Customer Interaction: Engage with customers to understand their needs and provide clear communication regarding credit decisions. Enhance customer satisfaction and trust.
- Strategic Input: Contribute to the overall strategic direction of Lucia Protocol. Provide insights and recommendations to the leadership team on credit-related matters.
- Client Relationship Management: Manage and oversee existing key client relationships at an executive and corporate level to maintain and grow business.
- Market Intelligence: Ensure that market intelligence is collected, centralized, communicated, and acted upon and develop business opportunities for the company.
Qualifications:
- Experience: 5-10 years of experience in underwriting loans, preferably at a consumer credit company or a credit company.
- Expertise: Strong background in credit evaluation, risk assessment, and loan underwriting processes. Familiarity with Web3 and Crypto is a plus.
- Leadership: Proven leadership abilities with experience in a co-founder or senior management role. Ability to lead and inspire a team.
- Education: Bachelor's degree in Business, Finance, or a related field. An advanced degree or relevant certifications are a plus.
Application Process:
Interested candidates should submit a resume and portfolio outlining your relevant experience and detailing how your skills align with the quantitative metrics mentioned in the job description in a cover letter would be nice to have as well.
Send an email to joseph@ondecentral.com and cc careers@ondecentral.com or reach out to our HR Director on Telegram using the handle @iMasterJoJo, if you have any questions.
Additional Information:
- The salary range for this position is $180k - $200k, with 1%-5% equity compensation.
- Lucia Protocol is a hybrid company with offices in Santa Clara and San Francisco, as well as remote employees.
Note: Lucia Protocol is an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, or disability status.
Job Type: Full-time
Pay: $180,000.00 - $200,000.00 per year
Work Location: Remote