FinTech & Financial Infrastructure1008 Studio Cohort
Active for next 54 daysTechnical 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.