СШАManager, Capital Markets, HELOC
4 нед. назад
СШАMiddleOnsite
securitizationsloan salescapital marketswhole loan salesinstitutional funding
Manager role focusing on execution across capital markets funding programs including warehouse facilities, loan sales, and securitizations for HELOC product.
Обязанности
- We are looking for a Manager to join our Capital Markets team, with a focus on hands-on execution across 's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — focusing on our new HELOC product. This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads.
- This position reports into the VP of Capital Markets and is based in our San Francisco office in a hybrid capacity (Tuesdays, Wednesdays, and Thursdays in office).
- Serve as primary or backup execution support on a subset of 's lending products, partnering with the Institutional and FI Execution Leads on live warehouse, forward flow, and securitization transactions
- Own the day to day mechanics of deal execution: allocation reports, purchase confirmations, loan tape reviews, funding and settlement coordination, and closing checklists
- Support warehouse and ABS reporting as a backup owner — covenant monitoring, borrowing base calculations, and timely delivery of investor reporting deliverables, in partnership with the team's warehouse reporting leads
- Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel
- Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions
- Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank, credit union, and institutional investor counterparties
- Work cross-functionally with investor sales, credit, product, treasury, and engineering teams to support balance sheet management and data integrity across funding channels
- Support onboarding of new institutional investors, warehouse facilities, and securitization counterparties, including operational setup and due diligence
- Take on ownership of ad hoc projects as the team's funding programs scale
- We are looking for a Manager to join our Capital Markets team, with a focus on hands-on execution across 's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — spanning our lending products (personal loan, home improvement, indirect auto, BNPL, Card and more). This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads.
Требования
- 4 + years of experience in capital markets, asset-backed finance, or a related consumer lending function.
- Familiarity with consumer lending and credit underwriting, and asset-based/structured finance more broadly (warehouse facilities, forward flow, and/or ABS)
- Proficient in Excel; SQL and/or Tableau experience a plus
- Execution-oriented — comfortable owning deliverables and deadlines on live transactions in a fast-paced environment
- Strong written and verbal communication skills, with the judgment to work directly with external counterparties
- Highly organized, detail-oriented, and strong client service skills
Условия
- Competitive salary and stock option plan
- Medical, dental and vision insurance with employer paid options
- Flexible PTO
- Competitive 401(k) and RRSP program
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
- The compensation range of this position in San Francisco, CA and New York, NY is USD $140,000 - $160,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.
- Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations.
- Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.
- The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need.
- Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position.
- Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings.
- Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information.
- Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions of the position in accordance with the Americans with Disabilities Act (ADA) and applicable state and local laws.
- does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of without a prior written agreement in place will be considered the property of , and will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from 's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement . English is required for all positions, as it involves interacting with staff at 's offices worldwide.
Другое
- helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.
- We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.
- We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.
- For California residents: 's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.