VP, Capital Markets
Overview
Achieve is a leader in digital personal finance, offering innovative solutions like home equity and personal loans, and debt relief. Founded in 2002, we have grown into one of the largest private consumer fintech unicorns in the US, with over $40B in enrollments for our debt resolution services and over $11Bn in personal and home loans originations.
About the role
We are currently undergoing a massive transformation to become a digital-first, AI-enabled lending powerhouse. This role is crucial in supporting our growth strategy and transforming our Capital Markets activities into a world-class, programmatic effort.
Responsibilities
Design and guide Achieve's funding stack as a highly diversified asset portfolio, optimizing across four core pillars: Cost of Capital, Certainty of Takeout, Capacity, and Resilience.
Strategically architect and oversee Forward Flow Agreements, Warehouse Lines, and Asset-Backed Securitization (ABS) Program to ensure continuous liquidity and alignment with credit risk, origination types, and liquidity targets.
Transform legacy funding processes to a dynamic, automated Capital Allocation Engine, systematically routing origination volume through algorithmic Best Execution based on market conditions, funding costs, credit risk factors, and enterprise risk management constraints.
Partner with technology teams to implement advanced AI capabilities for predictive pricing, investor allocations, risk/prepayment monitoring, and automated deal structuring.
Build an improved data & analytics foundation to position Achieve as the most transparent, frictionless, and data-forward platform for institutional investors.
Oversee the construction of an institutional-grade unified loan data warehouse and a self-service investor reporting portal, replacing static data tapes with dynamic, granular cohort tracking.
Model credit and stress scenarios using advanced modeling techniques to accurately predict structural implications and tradeoffs.
Drive cross-functional engagement by synthesizing investor feedback, market intelligence, and shifts in asset preferences, establishing operational gates for new product launches and credit expansions, and aligning on revenue recognition policies, corporate cost of capital metrics, and optimal balance sheet deployment.
Lead the strategic formulation and capital design of Achieve’s expanding product suite, driving growth into new asset classes while ensuring absolute alignment between capital markets viability and borrower demand.
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 seamless integration of asset designs, credit boxes, and yield profiles with warehouse lines, forward flow agreements, and future ABS programmatic issuance.
Qualifications
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.
Distinguished Expert: Equal parts Wall Street transaction experience and modern data-driven strategist. 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.
Benefits
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
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
Access to six employee resource groups
Pay
$340,000 - $370,000 + bonus + equity + benefits
Schedule
Hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.