Head of Borrow and Credit Line (Office, Spain) Spain • 5-7 years of experience •

WhiteBIT Group vigo Posted 25 Oct 2026 Closing: 24 Nov 2026

Permanent Hybrid

Competitive

Head of Borrow and Credit Line Product 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.

Qualifications

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.

Benefits