Mission
Own the credit and underwriting foundation for OWN's first mortgages. You will create the underwriting framework, apply it to the first real mortgage files, and work directly with the dev team to automate the process into repeatable tools, workflows, and decision systems.
Crypto interest is useful, but real TradFi credit, mortgage, secured lending, or bank risk experience is mandatory.
Core Responsibilities
- Build OWN's underwriting framework for borrower eligibility, collateral, LTV, loan duration, amortization, default triggers, cure periods, recoveries, and exception handling.
- Translate that framework into clear underwriting rules, risk models, checklists, credit memo templates, and approval workflows.
- Underwrite the first mortgage files manually, then identify which parts of the process can be automated.
- Work directly with product and engineering to automate borrower intake, collateral analysis, LTV monitoring, credit memo generation, approval flows, and portfolio reporting.
- Define the data inputs, model assumptions, risk flags, and decision logic needed for an internal underwriting engine.
- Build lender-facing risk materials for DeFi capital providers and family offices.
- Establish portfolio limits, monitoring rules, stress scenarios, and governance for credit decisions.
- Work with legal/compliance on enforceability, disclosures, default process, and lender protections.
Must Have
- 5+ years in credit risk, mortgage underwriting, secured lending, housing finance, private credit, structured lending, collateral valuation, or bank risk.
- Direct experience reviewing, approving, or challenging real credit exposures.
- Strong understanding of LTV, collateral valuation, amortization, recoveries, defaults/cures, and credit committee materials.
- Ability to convert underwriting judgment into repeatable rules and workflows.
- Comfortable working with developers to automate credit/risk processes.
Nice To Have
- Digital assets, crypto lending, DeFi, tokenized RWAs, stablecoins, custody, or smart-contract collateral experience.
- Prior work on credit process automation, underwriting engines, risk dashboards, or loan origination systems.
- Czech/CEE mortgage, bank credit, or private credit experience.
Compensation
50,000-80,000 EUR base + performance per deal.
Equity/options may be included for candidates who materially help build OWN's underwriting and credit risk infrastructure.