VP, Capital Markets

Job Description

Join us and change the world together at Achieve Lending! We're undergoing a massive transformation, fueled by a bold three-year strategy to aggressively grow our lending business. Our mission is to become a digital-first, AI-enabled lending powerhouse - and, with our sister business, Achieve Debt Relief - to solidify our position as the leading platform in Consumer Liability Optimization .

This isn't just growth and transformation; it's a call to exceptional execution.

The Role

Achieve is seeking an experienced, highly analytical, and transformative leader to serve as the Head of Capital Markets. This role will own the strategic multi-year funding roadmap to support our growth at Achieve, reporting directly to the President of Achieve Lending. The ideal candidate is a distinguished talent sitting at the intersection of investor relations, structured finance, and an advanced understanding of credit risk. Your mission is to transform our Capital Markets activities into a world-class, programmatic effort that automatically aligns institutional investor demand with credit risk, origination types, and liquidity targets. You will define the performance plan for loan sales and securitization, maintaining full accountability for these outcomes.

• Forward Flow Agreements: Segment partners by credit boxes and product types to anchor baseline capacity, maintain continuous liquidity, and avoid counterparty over-concentration.
• Warehouse Lines: Expand and diversify a bank roster with staggered maturities and flexible structural terms (advance rates, optimal eligibility criteria, accordion features) to maximize available days of liquidity under stressed scenarios.
• Asset-Backed Securitization (ABS) Program: Maintain a highly predictable, programmatic issuance cadence across macroeconomic cycles to achieve step-down spread compression relative to peers.
• Credit Box Alignment: Partner closely with Credit Risk to ensure credit box alignment with forward flow eligibility, warehouse advance criteria, and ABS structural requirements.

• Systematically route everyday origination volume through algorithmic Best Execution, based on market conditions, funding costs, credit risk factors, and enterprise risk management constraints.
• Sponsor and scale advanced AI capabilities across:
  • Predictive Pricing
  • Investor Allocations
  • Risk/Prepayment Monitoring
  • Automated Deal Structuring

• Oversee the construction of an institutional-grade unified loan data warehouse and a self-service investor reporting portal that replaces static data tapes with dynamic, granular cohort tracking.
• Extend our capabilities to model credit and stress scenarios - emulating major rating agencies' models - to accurately predict structural implications and tradeoffs.

• Synthesize investor feedback, market intelligence, and shifts in asset preferences.
• Establish operational gates to ensure new product launches and credit expansions have committed funding and to ensure that Capital Markets participates in shaping what Achieve produces.
• Align tightly on revenue recognition policies, corporate cost of capital metrics, and optimal balance sheet deployment.

• Spearhead the capital strategy and structural design for new lending products across diverse categories, including mortgage, auto, and credit cards, to aggressively broaden Achieve's market footprint.
• Partner closely with Credit Risk, Marketing, and Business Unit General Managers (GMs) to co-author product features that simultaneously optimize borrower acquisition, risk-adjusted returns, and investor appetite.
• Serve as the structural anchor for all new product initiatives, ensuring that asset designs, credit boxes, and yield profiles seamlessly integrate with warehouse lines, forward flow agreements, and future ABS programmatic issuance.

• 12+ Years of Senior Experience: Deep tenure within consumer structured finance, investment banking, asset management, or fintech capital markets platforms, including 3-5+ years leading the Capital Markets function.
• Proven Track Record: Tangible history of managing programmatic ABS platforms, negotiating committed forward-flow and warehouse facilities, and managing through complex liquidity environments.
• Educational Background: Bachelor's degree in Finance, Economics, Data Science, Engineering, or a highly quantitative discipline. An MBA, CFA, or advanced degree in quantitative finance is highly preferred.

• Distinguished Expert: Equal parts Wall Street transaction experience and modern data-driven strategist. You possess deep familiarity with structural waterfalls, stress simulations, and advanced modeling.
• Owner Mindset: Proven ability to manage outcomes, treat investor demand as a managed portfolio, and tie capital markets outcomes directly to long-term enterprise value creation.
• Transparent Communicator: Exceptional relationship-building skills, with a leadership philosophy rooted in proactive transparency to create trust internally and with external partners.
• People & Culture Leader: Experience building high-performing, cross-functional teams across Investor Relations, Structuring, Investor Reporting & Data, Loan Products & Capital Strategy, and Risk & Portfolio Surveillance while fostering a results-oriented culture focused on rapid execution and strategic impact.

• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups