Capital Markets Analytics Lead, Wisetack
$120.8-169.1k
+ Equity
Provides buy-now-pay-later services
Be an early applicant
Provides buy-now-pay-later services
101-200 employees
Be an early applicant
$120.8-169.1k
+ Equity
101-200 employees
Company mission
To build financial products that empower people.
Role
Who you are
- We are seeking an individual with strong analytical acumen and knowledge of structured / asset-backed finance
- 3+ years of experience in ABS capital markets, loan portfolio analytics, consumer finance industry, strategic finance, or a closely related role required
- Bachelor’s degree preferred, ideally in finance, business, or a quantitative discipline
- Advanced analytical acumen required - Advanced Excel skills and direct experience working with large data sets
- SQL programming abilities
- Direct experience with loan portfolio modeling
- Strong partnership skills and an ability to work cross-functionally
- Self-directed and self-motivated with an ability to work independently and handle ambiguity
Desirable
- Experience in earlier-stage / startup environments helpful
- More advanced programming abilities (Python, VBA) helpful
- Experience with data visualization tools (i.e. Tableau) a plus
What the job involves
- The finance team at Wisetack plays an essential role in making decisions and managing the company’s performance
- We’re also at the forefront of sourcing capital
- We influence the company’s strategy and operations, not just “keep score.” Wisetack is a fast-growing business and you’ll enter a dynamic finance team that always has something new happening, unique challenges to think through, and professional growth opportunities
- Led by our VP of Capital, the Capital Markets function handles all facets of relationships with loan capital providers, including our partner banks and forward flow loan buyers
- As a rapidly-scaling financing platform, we’re constantly in conversations with existing and prospective capital providers
- The Capital Markets Analytics Lead will report to our VP of Finance while maintaining a dotted-line relationship with our VP of Capital
- In this role, you’ll be at the forefront of analytics that progress conversations into term sheets and partnerships, as well as help maintain and deepen capital relationships
- You will also work closely with the broader finance team to continuously refine our loan portfolio analytics
- This role offers significant growth potential in asset finance analytics and corporate finance, with front-end exposure to leading capital players in the market
- Be a critical part of all facets of capital markets transactions
- Provide reporting, relationship management, and analytics support for all existing capital partnerships
- Provide loan performance analysis and ideas to optimize Wisetack’s asset returns, loan inventory and capital allocation
- Build, refine, and own product-level IRR models
- Partner with strategic finance and treasury to develop portfolio cash models that will roll into our corporate model
- Partner with accounting and treasury to maintain loan fair value models
- Assist with stakeholder engagement activities, including partner meetings, calls, and events
- Consult with credit risk analytics to set product-level prices
- Assist with our annual planning and quarterly re-forecasting processes
- Support the business by handling a variety of ad hoc requests
Our take
The point-of-sale finance market is rapidly expanding, with well known unicorns such as Affirm and Klarna.
Whilst "buy now, pay later" options are becoming increasingly popular with online merchants, many in-person businesses still lack good options to offer their potential customers. Wisetack is finding its own niche by focusing on services such as plumbers, home renovators, and landscapers.
Wisetack's API-led solution embeds financing options within popular software platforms businesses are already using, making it easy for their customers to apply for financing within minutes.
Freddie
Company Specialist at Welcome to the Jungle
Insights
Few candidates hear
back within 2 weeks
18% employee growth in 12 months
Company
Funding (last 2 of 5 rounds)
Mar 2024
$20.4m
LATE VC
Sep 2021
$45m
SERIES B
Total funding: $103.4m
Company benefits
- Competitive equity packages
- 401(k) plan
- Comprehensive health plans
- Flexible PTO
- FSA/HSA
- One Medical, Kindbody, Talkspace memberships
- Learning and development stipends
- Commuter benefits
Company values
- Customers first - Everything starts with the customer. Solving customer problems is what makes us successful. We spend time with customers so we understand them and meet their needs. If we can’t tie something back to customers, we question whether it’s worth doing.
- Act. Fast. - Get things done. Take initiative. Speed is paramount and a crucial advantage. Most decisions are small and reversible and should be quick. It’s OK to make a mistake and learn from it.
- Ownership and accountability - Be an owner. People who succeed here set ambitious goals and hold themselves accountable for hitting them, even if it means grinding through discomfort. They do what's right for the company and put the company and the team above oneself.
- Pursue excellence - Be great at what you do. Set a high bar for quality for yourself and for others and continuously push to raise the bar for delivering great work.
- Deliberate and open communication - Collaboration is what allows groups of people to accomplish extraordinary things. We have a globally distributed team, which raises the bar for how we work. We pay close attention to how we communicate, collaborate, and run meetings. These are the guidelines for how we engage, which we constantly strive to improve.
- Operate with conviction - We make decisions that are best for the company’s long-term success. When rooted in passion about our success, disagreeing makes us better. Bringing different perspectives and intellectual curiosity results in better outcomes. However, we don’t make decisions by consensus and we don’t block ourselves into indecision and inaction.
- Act with respect and humility - Don’t assume you’re right and know better, question your information. Actively look to disprove your point of view and assumptions. Having a different point of view is never an excuse to be an asshole. Earn the right to have say by knowing customer needs and understanding the business.
- Push hard and have fun - A startup is an obstacle course, not a stroll. There is a level of intensity needed to make a startup successful and every one of us needs to carry a lot of weight so a small team can accomplish a lot. We thrive on the adrenaline of solving tough problems to accomplish something meaningful - and like to keep our sense of humor while at it.
Company HQ
China Basin, San Francisco, CA
Articles
Leadership
Bobby Tzekin
(CEO)Earned an MBA from University of California. Started his career as a strategy consultant at Bain & Co. Previously held VP of Product positions at YapStone, Lending Club and Mosaic.
Liz O'Donnell
(COO)Earned an MBA from Stanford University Graduate School of Business. Background in Marketing and Growth with senior leadership positions across Paypal and LinkedIn.
Mykola Klymenko
(CTO)Studied Automation and Control in Engineering Systems at National Technical University of Ukraine 'Kyiv Polytechnic Institute'. Previously Director of Engineering at ClairMail for 7 years and VP of Technology at Lending Club for 3 years.
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