fundwell - Head of Capital Markets
Requirements
• 7+ years in capital markets, structured finance, or treasury at a specialty lending company, fintech lender, or credit fund - this is a senior role and we expect a senior track record • Directly involved in closing at least one warehouse facility of $50M+ as borrower-side lead or a key member of the deal team - you have been through the full lifecycle from term sheet to closing docs • Deep understanding of receivables-based lending economics: factor rates, MCA/RBF mechanics, payment waterfall structures, and SPV-level cash flow modeling • Expert financial modeler: you have built warehouse facility models and pro forma portfolio projections that were reviewed by lender credit committees and used to set facility terms • Strong relationships with warehouse lenders, credit funds, or institutional capital providers in the SMB lending or specialty finance space - you can pick up the phone and get a meeting • Comfortable operating in an early-stage environment with minimal support staff - you will build the function from scratch and that excites you, not intimidates you • STRONGLY PREFERRED • CFA charterholder or MBA/MS Finance from a top-tier program (Ivy League, Stanford, MIT, Chicago Booth, Wharton, or equivalent) • Prior role as VP/Director of Capital Markets, Treasury, or Structured Finance at an MCA, RBF, or SMB lending platform (OnDeck, Kapitus, Credibly, Libertas, Clearco, Pipe, or similar) • Experience structuring facilities with both bank warehouse lenders and non-bank credit funds • Exposure to credit card receivables funding, interchange economics, or BaaS/prepaid card programs • Understanding of covenant negotiation from the borrower side - DSCR tests, concentration limits, delinquency triggers, and how to build headroom into facility structures • Experience with Column, Evolve, Celtic, or similar bank partnership infrastructure • WHAT SETS THIS ROLE APART • First capital markets hire at a company with live marketplace distribution, existing origination partnerships, and a clear path to $500M+ in annual volume - you are not building a hypothetical business • Direct access to the CEO with no layers of management - you will shape capital strategy, not just execute it • Meaningful equity in a capital-efficient business model with a lean team and outsourced operations - this is a founding-team level opportunity • Dual marketplace structure provides diversified origination that warehouse lenders value - your job is to translate this into best-in-class facility terms
Responsibilities
• Own the company financial model and FP&A function end-to-end: origination projections, portfolio roll-forward, payment waterfall, warehouse mechanics, P&L, cash flow, budgeting, and board reporting - maintaining it as the single source of truth for all capital raise and board discussions • Build and maintain pro forma portfolio projections for each product channel (RBF, Term Loan, Card) including vintage-level performance tracking, collection curves, and chargeoff waterfalls • Lead warehouse facility origination: identify target lenders (banks, credit funds, specialty platforms), build relationships, prepare pitch materials, and manage the full diligence process through commitment letter and closing • Structure and negotiate facility terms: advance rates, interest rates, covenants, concentration limits, eligibility criteria, borrowing base mechanics, and early amortization triggers • Source and close preferred equity subordination: engage family offices and institutional investors, structure terms, and manage ongoing investor communications • Build and maintain lender reporting infrastructure: monthly borrowing base certificates, portfolio performance reports, covenant compliance dashboards, and quarterly investor updates • Monitor facility utilization and capacity planning: forecast when facilities need upsizing, negotiate accordion features, and manage facility scaling as origination volume grows • Partner with the CEO on capital strategy: equity raise timing, balance sheet optimization, securitization pathways, and credit facility diversification • Lead ABS takeout planning: build the analytical framework for term securitization, evaluate timing and execution strategy, and position the portfolio for rated deal issuance • Structure economics for channel partner and referral agreements, including commission structures, volume commitments, and holdback terms
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