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Capital Markets Lead – Small Business Lending

United States, San Francisco 160000.00 - 250000.00 USD / Year · Job Posted February 21, 2026
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Job Description

We are looking for a Capital Markets Lead to build and scale the capital markets function supporting our small business lending platform. This role will be at the center of our financing strategy—evaluating various financing solutions such as public and private securitizations, warehouse lines, and forward flows. This is a high-impact position where you’ll work cross-functionally with finance, risk, and product teams, while building deep relationships with banks, investors, and financing partners.

Job Responsibility

  • Design and implement a capital markets strategy for small business lending, leveraging securitizations, warehouse facilities, and forward flow arrangements
  • Lead warehouse negotiations and renewals, securing structures that maximize flexibility and optimize cost of capital
  • Develop innovative financing solutions to expand lending capacity and diversify funding sources
  • Execute forward flow transactions, managing end-to-end deal processes including modeling, diligence, structuring, and closing
  • Partner with internal teams to align financing structures with credit, risk, and growth objectives
  • Build and maintain strong relationships with external capital providers and counterparties

Requirements

  • 3+ years of experience in capital markets, structured finance, or lending platforms (fintech, investment banking, specialty finance, or asset management)
  • Strong understanding of warehouse facilities, forward flow arrangements, and securitizations
  • Excellent quantitative and analytical skills, with demonstrated financial modeling experience
  • Proven ability to negotiate, structure, and close complex financing transactions
  • Strong communication and stakeholder management skills
  • Proficient in SQL
  • Deep interest in small business lending and enabling access to credit

Nice to have

  • Experience at leading fintechs or in structured credit roles at top-tier banks or funds
  • Exposure to small business credit markets, with knowledge of portfolio performance dynamics
  • A track record of building scalable capital markets solutions in a fast-paced environment
  • MBA preferred

What we offer

  • Equity grant
  • Medical, dental & vision insurance
  • Work from home flexibility
  • Unlimited PTO
  • Commuter benefits
  • Free lunches
  • Paid parental leave
  • 401(k)
  • Employee assistance program

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