Capital Markets Structurer Manager, Upgrade

• 3+ years of experience in capital markets, securitization, or structured finance. (Consumer ABS experience is strongly preferred). Candidates with additional relevant experience will be considered for the Director title
• Advanced knowledge of Excel for financial modeling is required. Proficiency with Intex, VBA, or similar cashflow modeling tools is a strong plus
• Proven experience analyzing consumer credit portfolios and structuring ABS transactions
• Highly organized, detail-oriented, and resourceful, with the ability to manage complex workstreams independently
• Strong communication skills with the ability to clearly explain technical concepts to internal and external audiences
• Bachelor’s degree is required; a quantitative or finance discipline is preferred
• Travel: Willingness to travel 6–8 times per year for investor conferences and meetings

Desirable

• We are seeking an experienced and highly analytical Structurer to join our dynamic Capital Markets team
• This high-impact role is at the center of our funding strategy, responsible for the execution of financing and ABS transactions across our entire suite of consumer credit products: Personal Loans, Card, Home Improvement, Indirect Auto, and BNPL Travel
• The position reports directly to the Head of Capital Markets Structured Solutions
• You will be a key player in a fast-paced environment, working closely with senior leadership, internal teams, and external partners to bring innovative structured solutions to market
• Structure and analyze ABS securitizations and loan sale transactions backed by consumer credit collateral
• Build, audit, and run complex cashflow models (Intex/Excel/VBA) to evaluate structures, optimize economics, and meet investor needs
• Drive forward flow, warehouse, and term securitization transactions from term sheet through closing, working closely with legal, finance, and rating agencies
• Perform in-depth collateral analyses, pool stratifications, and economic scenarios to inform deal structure and investor discussions
• Partner with internal teams (credit, finance, legal) and external stakeholders (banks, underwriters, rating agencies) to ensure smooth and timely execution
• Draft and review investor materials, offering documents, and structural term sheets with accuracy and attention to detail
• Own communications with prospective and existing investors on collateral performance, structure, and transaction updates