Head of Capital Markets (Fintech)

TL;DR

Head of Capital Markets (Fintech): Building and leading hirify.global’s multi-year funding strategy for consumer lending with an accent on structured finance, liquidity management, investor alignment, and AI-enabled capital allocation. Focus on designing programmatic ABS and warehouse funding, automating best execution and deal structuring, and expanding capital capabilities across mortgage, auto, and credit card products.

Location: Hybrid in the San Mateo, CA or Phoenix, AZ metro markets; work from home in other locations throughout the United States.

Salary: $340,000–$370,000 annually, plus bonus, equity, and benefits.

Company

hirify.global is a digital personal finance and consumer fintech company providing personal loans, home equity solutions, and debt relief services.

What you will do

• Own the multi-year funding roadmap and optimize hirify.global’s funding stack across cost of capital, takeout certainty, capacity, and resilience.
• Lead forward-flow agreements, warehouse facilities, programmatic asset-backed securitization, and credit-box alignment with Credit Risk.
• Partner with Technology to build an AI-enabled capital allocation engine for best execution, predictive pricing, investor allocations, risk monitoring, and automated deal structuring.
• Oversee a unified loan data warehouse, investor reporting portal, and credit and stress-scenario modeling capabilities.
• Establish cross-functional operating rhythms connecting Capital Markets with Finance, Treasury, Credit Risk, Marketing, and business units.
• Design capital strategies for new lending products, including mortgage, auto, and credit cards.

Requirements

• 12+ years of senior experience in consumer structured finance, investment banking, asset management, or fintech capital markets.
• 3–5+ years leading a Capital Markets function.
• Proven experience managing programmatic ABS platforms, forward-flow agreements, warehouse facilities, and complex liquidity environments.
• Deep knowledge of structural waterfalls, stress simulations, advanced modeling, credit risk, and investor demand.
• Experience building high-performing cross-functional teams across structuring, investor reporting, data, loan products, capital strategy, and risk surveillance.
• Bachelor’s degree in Finance, Economics, Data Science, Engineering, or another quantitative discipline; an MBA, CFA, or advanced quantitative finance degree is preferred.

Nice to have

• MBA, CFA, or an advanced degree in quantitative finance.
• Experience applying AI and modern data-driven methods to capital markets and lending.

Culture & Benefits

• Hybrid and work-from-home options within the United States.
• 401(k) with employer match.
• Medical, dental, and vision coverage with HSA and FSA options.
• Vacation, sick time, dedicated volunteer days, wellness programs, and Employee Assistance Program access.
• Pet care discounts, hardship support through the hirify.global Care Fund, and employee resource groups supporting diversity and inclusion.