FinTech & Financial Infrastructure1008 Studio Cohort
Active for next 54 days

Technical Co-Founder for Trade Credit Underwriting Infrastructure

TARGET ROLETechnical Co-Founder (CTO)
EQUITY RANGE20% - 30%
COMPENSATIONCompetitive founder equity package
LOCATION Mumbai

Domain Originator Profile

Vikram K.15 Years Industry Depth
Ex-Credit Risk Head (SME Lending), HDFC Bank / Kotak

15 years underwriting ₹3,000Cr+ in MSME trade credit, working capital facilities, and factoring lines.

The Venture Thesis & Market Bottleneck

Structural Thesis:

Real-time GST-to-Bank reconciliation engine providing instantaneous unsecured invoice discounting limits for distributors with ₹5Cr-₹50Cr turnover.

The Financial Bleed:

Traditional NBFCs take 12-18 days to verify invoice sanctity and bank trail, leaving FMCG distributors with severe working capital blockages.

Ideal Candidate Profile

  • Ex-Lead / Staff Engineer at top FinTech (Razorpay, CRED, Perfios, Cashfree).
  • Deep understanding of Account Aggregator framework, GSTN APIs, and banking integration protocols.
  • High security consciousness with SOC2 and RBI data localization compliance.

Core Day-1 Responsibilities

  • Architect the core underwriting ingestion engine and banking API bridge.
  • Build real-time fraud detection and circular invoice detection graph algorithms.
  • Own product roadmap and engineering culture.
Interested in partnering on this venture?

Applications go directly to the founder for confidential mutual review.

Apply to Partner with Vikram K.