Head of Capital Markets

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

📋 Description

• Take ownership of Achieve’s strategic multi-year funding roadmap and report directly to the President of Achieve Lending.

• Elevate Capital Markets activities into a top-tier, programmatic initiative that aligns institutional investor demand with credit risk, origination types, and liquidity targets.

• Establish and uphold accountability for the performance plan related to loan sales and securitization.

• Create and direct a diversified funding stack that encompasses forward flow agreements, warehouse lines, ABS programs, and credit box alignment.

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

• Spearhead the transformation of outdated funding processes into an AI-driven Capital Allocation Engine utilizing algorithmic Best Execution.

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

• Manage a consolidated loan data warehouse and a self-service reporting portal for investors.

• Create credit and stress scenarios that reflect major rating-agency models.

• Enhance cross-functional operating rhythms, synthesize investor and market intelligence, and establish funding gates for product launches and credit expansions.

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

• Develop capital strategy and structural design for new lending products, including mortgages, auto loans, and credit cards.

• Collaborate with Credit Risk, Marketing, and business-unit GMs to optimize borrower acquisition, risk-adjusted returns, and investor interest.

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

⛳️ Requirements

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

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

• Demonstrated track record in managing programmatic ABS platforms.

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

• Experience navigating 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.

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

• Outstanding relationship-building abilities and a commitment to proactive transparency.

• Experience in building high-performing cross-functional teams across 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 plans 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.

• Financial support during hardships through the Achieve Care Fund.

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

• Bonus opportunities.

• Equity options.