Fintonia Group is building a tech-enabled digital assets financial services platform, with offices in Singapore and Kuala Lumpur, combining a strong background in traditional finance with disruptive technology.
You will be joining a fun and fast-paced environment and will be working with a small team of seasoned industry professionals with experience working at top tier global investment banks and industry leaders.
The Role:
This is a senior leadership role responsible for building and scaling Fintonia's BTC- collateralised lending business from the ground up. You will own the full lending platform — from credit policy and loan structuring architecture through to funding strategy, portfolio management, and product development for future borrow/lend and structured yield products.
You will sit on the Fintonia Leadership Team (FLT), reporting directly to the CEO, and will be the primary driver of the firm's institutional credit and structured products agenda. You will work closely with the Portfolio Management team, Client Solutions, Legal & Compliance, and Operations to build a durable, scalable, and well-governed lending franchise.
This role suits a senior structured credit or institutional markets professional who is motivated by building — someone who combines institutional discipline with the entrepreneurial energy to create a business within a regulated, growth-stage firm.
Key Responsibilities:
Lending Platform Architecture & Credit Governance
- Design and own the end-to-end BTC lending credit framework: LTV policy, margining mechanics, collateral concentration limits, liquidation protocols, and stress governance.
- Establish and maintain the lending credit policy, underwriting standards, and loan approval frameworks.
- Develop the options-based hedging framework for collateral protection, working with the Portfolio Management team on execution.
- Ensure all lending activity is conducted within Fintonia's regulatory requirements and risk governance standards.
Loan Origination & Institutional Client Coverage
- Lead origination of BTC-collateralised loans with institutional clients including proprietary trading firms, Bitcoin miners, corporates, family offices, asset managers, and hedge funds.
- Build and manage a qualified institutional borrower pipeline through direct outreach, network-driven sourcing, and referral channels.
- Act as a senior client relationship manager for key borrower and funder relationships.
- Lead commercial negotiations on loan terms, pricing, and documentation.
Funding Strategy & Balance Sheet Management
- Develop and execute Fintonia's funding strategy for the lending book — warehouse facilities, term funding, and institutional funder relationships.
- Manage advance rate structures, funder covenants, and concentration management across the portfolio.
- Build relationships with specialist credit providers, prime brokers, and institutional funders.
- Oversee portfolio-level economics and balance sheet discipline as the book scales.
Structured Product Development
- Lead the design and development of new lending and structured yield products, including future borrow/lend facilities and BTC-backed deposit structures.
- Work with Client Solutions to translate borrower demand and market opportunity into structured financing solutions.
- Collaborate with Legal & Compliance on product documentation, regulatory classification, and MAS alignment.
- Evaluate and develop alternative hedging and yield structures as the product suite expands.
Portfolio Risk & Stress Management
- Actively monitor collateral levels, portfolio LTV, and concentration risk across the lending book.
- Own the stress-event management framework: triage protocols, cure mechanics, escalation procedures, and liquidation execution.
- Provide regular portfolio reporting to the FLT and Investment Committee.
- Identify and manage wrong-way risk, funding liquidity risk, and counterparty behavioural risk.
Leadership & Cross-Functional Contribution
- Sit on the Fintonia Leadership Team (FLT) as the senior representative of the investment and lending function.
- Work closely with the Portfolio Management team on execution, hedging, and collateral management.
- Partner with Client Solutions on product positioning, borrower onboarding, and client experience.
- Collaborate with Operations on custody, settlement, margining workflows, and loan lifecycle management.
- Contribute to Investment Committee discussions on loan approvals, credit policy, and portfolio risk.
Requirements:
- Degree in Finance, Economics, or a related discipline; postgraduate qualification preferred.
- Minimum 10 years of experience in institutional credit, structured finance, secured lending, or traded credit risk management, ideally within an investment bank, asset manager, or specialist lender.
- Deep technical expertise in collateralised lending structures: LTV frameworks, margining mechanics, collateral perfection, stress testing, and liquidation protocols.
- Familiarity with BTC and digital asset markets is an advantage. Candidates with strong collateralised lending and structured credit foundations who are motivated to develop expertise in digital asset markets are encouraged to apply.
- Experience designing or evaluating options-based hedging structures for principal protection or yield enhancement.
- Track record of cross-functional delivery in a regulated financial services environment — working across risk, legal, compliance, and operations.
- Demonstrated ability to build and manage institutional relationships at senior level.
- Entrepreneurial mindset with the discipline and judgment to operate within a regulated, governance-driven firm.
- Excellent communication skills — able to engage credibly at board, investor, and counterparty level.
- Kuala Lumpur-based. Open to Malaysian citizens and permanent residents.
