Head of Capital Markets

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

📋 Description

• Take ownership of the strategic multi-year funding roadmap to facilitate Achieve’s growth.

• Report directly to the President of Achieve Lending.

• Transform Capital Markets activities into a structured initiative that aligns institutional investor demand with credit risk, origination types, and liquidity goals.

• Define and uphold accountability for loan sales and securitization performance.

• Design and direct Achieve’s diverse funding stack, including forward flow agreements, warehouse lines, ABS, and credit box alignment.

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

• Partner with Technology to develop an AI-enabled Capital Allocation Engine utilizing algorithmic Best Execution.

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

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

• Create credit and stress scenario models that reflect major rating agencies' methodologies.

• Enhance cross-functional operating rhythms with Capital Markets, Credit Risk, Finance, Treasury, Marketing, and various business units.

• Establish funding criteria for new product launches and credit expansions.

• Align revenue recognition, corporate cost of capital metrics, and balance sheet deployment strategies.

• Develop capital strategy and structural design for new lending products, which include mortgage, auto, and credit card offerings.

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

⛳️ Requirements

• 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.

• Ability to manage complex liquidity environments.

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

• In-depth understanding of structural waterfalls, stress simulations, and advanced modeling techniques.

• Proven capacity to manage outcomes and link capital markets results to long-term enterprise value creation.

• Exceptional skills in relationship-building and transparent communication.

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

🏝️ Benefits

• 401(k) plan with employer matching.

• Comprehensive medical, dental, and vision coverage, including HSA and FSA options.

• Competitive vacation and sick leave policies.

• Dedicated volunteer days for community service.

• Access to wellness support through the Employee Assistance Program.

• Programs focused on physical and mental health wellness.

• Discounts on pet care services.

• Financial assistance in times of need through the Achieve Care Fund.

• A commitment to diversity and inclusion, supported by six employee resource groups.

• Performance-based bonuses.

• Equity opportunities.