Head of Capital Markets

This is a fully remote position, open to applicants in California.

📋 Description

• Lead Achieve’s strategic multi-year funding roadmap while reporting directly to the President of Achieve Lending.

• Design and manage a diversified funding stack tailored for cost of capital, certainty of takeout, capacity, and resilience.

• Architect and supervise forward flow agreements, warehouse lines, ABS programs, and ensure credit box alignment.

• Collaborate with Finance and Treasury to oversee corporate liquidity and sustain an operational buffer against market risk.

• Revolutionize legacy funding processes into an AI-driven Capital Allocation Engine utilizing algorithmic Best Execution.

• Champion and expand predictive pricing, investor allocations, risk/prepayment monitoring, and automated deal structuring.

• Oversee a sophisticated unified loan data warehouse and a self-service investor reporting portal.

• Create credit and stress scenario models that mirror the methodologies of major rating agencies.

• Enhance cross-functional operating rhythms between Capital Markets and other teams within Achieve.

• Synthesize investor insights, market intelligence, and shifts in asset preferences.

• Establish funding criteria for the launch of new products and credit expansions.

• Align revenue recognition policies, corporate cost of capital metrics, and balance sheet allocation.

• Develop and broaden product capabilities in mortgage, auto, and credit card lending.

• Direct capital strategy and structural design for innovative lending products.

• Collaborate with Credit Risk, Marketing, and Business Unit GMs to enhance borrower acquisition, risk-adjusted returns, and investor interest.

• Ensure that new asset designs, credit structures, and yield profiles are compatible with warehouse lines, forward flow agreements, and ABS issuance.

• Build high-performing cross-functional teams in Investor Relations, Structuring, Investor Reporting & Data, Loan Products & Capital Strategy, and Risk & Portfolio Surveillance.

⛳️ Requirements

• Over 12 years of senior-level experience in consumer structured finance, investment banking, asset management, or fintech capital markets platforms.

• 3-5+ years of experience leading the Capital Markets function.

• Demonstrated history of managing programmatic ABS platforms.

• Experience in negotiating committed forward-flow and warehouse facilities.

• Proven ability to navigate complex liquidity environments.

• Bachelor’s degree in Finance, Economics, Data Science, Engineering, or a highly quantitative field.

• Extensive knowledge of structural waterfalls, stress simulations, and advanced modeling techniques.

• Established ability to manage outcomes and link capital markets results to long-term enterprise value generation.

• Outstanding relationship-building and clear communication skills.

• Experience in creating high-performing, cross-functional teams in Investor Relations, Structuring, Investor Reporting & Data, Loan Products & Capital Strategy, and Risk & Portfolio Surveillance.

• MBA, CFA, or an advanced degree in quantitative finance is highly preferred.

🏝️ Benefits

• 401(k) with employer match.

• Medical, dental, and vision coverage with HSA and FSA options.

• Competitive vacation and sick leave policies.

• Dedicated volunteer days.

• Employee Assistance Program.

• Wellness programs for physical and mental health.

• Discounts for pet care services.

• Financial assistance during difficult times through the Achieve Care Fund.

• Six employee resource groups and a strong commitment to diversity and inclusion.

• Hybrid work options available in the San Mateo, CA, and Phoenix, AZ metro areas.

• Work-from-home opportunities in various locations across the country.

• Bonus opportunities.

• Equity participation.