Achieve
1001 - 5000 employees
Founded 2002
💸 Finance
💳 Fintech
💰 $50M Debt Financing on 2023-06
Finance • Fintech
Achieve is a leader in digital personal finance, dedicated to helping individuals achieve better financial futures. The company provides a wide range of services focused on managing and reducing debt, including debt resolution, debt consolidation, and various loan options such as personal and home equity loans. Achieve also equips its users with tools like the Debt Payoff Calculator and educational resources to enhance financial literacy. With a mission to reduce debt-related stress, Achieve offers personalized solutions, innovative technology, and expert guidance to improve clients' financial health. Rated TrustScore 4. 8/5, Achieve has resolved over $19 billion in debt and funded over $11 billion in loans, positioning itself as a reliable partner in personal finance management.
Head of Capital Markets
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Achieve
1001 - 5000 employees
Founded 2002
💸 Finance
💳 Fintech
💰 $50M Debt Financing on 2023-06
Finance • Fintech
Achieve is a leader in digital personal finance, dedicated to helping individuals achieve better financial futures. The company provides a wide range of services focused on managing and reducing debt, including debt resolution, debt consolidation, and various loan options such as personal and home equity loans. Achieve also equips its users with tools like the Debt Payoff Calculator and educational resources to enhance financial literacy. With a mission to reduce debt-related stress, Achieve offers personalized solutions, innovative technology, and expert guidance to improve clients' financial health. Rated TrustScore 4. 8/5, Achieve has resolved over $19 billion in debt and funded over $11 billion in loans, positioning itself as a reliable partner in personal finance management.
📋 Description
• Own Achieve’s strategic multi-year funding roadmap and report directly to the President of Achieve Lending • Design and guide a diversified funding stack optimized for cost of capital, certainty of takeout, capacity, and resilience • Architect and oversee forward flow agreements, warehouse lines, ABS programs, and credit box alignment • Partner with Finance and Treasury to manage corporate liquidity and maintain an operational cushion against market risk • Transform legacy funding processes into an AI-enabled Capital Allocation Engine using algorithmic Best Execution • Sponsor and scale predictive pricing, investor allocations, risk/prepayment monitoring, and automated deal structuring • Oversee an institutional-grade unified loan data warehouse and self-service investor reporting portal • Develop credit and stress scenario models emulating major rating agencies’ models • Improve cross-functional operating rhythms between Capital Markets and other Achieve teams • Synthesize investor feedback, market intelligence, and asset preference shifts • Establish funding gates for new product launches and credit expansions • Align revenue recognition policies, corporate cost of capital metrics, and balance sheet deployment • Formulate and expand product capabilities across mortgage, auto, and credit card lending • Lead capital strategy and structural design for new lending products • Partner with Credit Risk, Marketing, and Business Unit GMs to optimize borrower acquisition, risk-adjusted returns, and investor appetite • Ensure new asset designs, credit boxes, and yield profiles integrate with warehouse lines, forward flow agreements, and ABS issuance • Build high-performing cross-functional teams across Investor Relations, Structuring, Investor Reporting & Data, Loan Products & Capital Strategy, and Risk & Portfolio Surveillance
🎯 Requirements
• 12+ years of senior experience in consumer structured finance, investment banking, asset management, or fintech capital markets platforms • 3–5+ years leading the Capital Markets function • Proven history managing programmatic ABS platforms • Experience negotiating committed forward-flow and warehouse facilities • Experience managing through complex liquidity environments • Bachelor’s degree in Finance, Economics, Data Science, Engineering, or a highly quantitative discipline • Deep familiarity with structural waterfalls, stress simulations, and advanced modeling • Proven ability to manage outcomes and connect capital markets outcomes to long-term enterprise value creation • Exceptional relationship-building and transparent communication skills • Experience building high-performing, cross-functional teams across Investor Relations, Structuring, Investor Reporting & Data, Loan Products & Capital Strategy, and Risk & Portfolio Surveillance • MBA, CFA, or advanced degree in quantitative finance highly preferred
🏖️ Benefits
• 401(k) with employer match • Medical, dental, and vision with HSA and FSA options • Competitive vacation and sick time off • Dedicated volunteer days • Employee Assistance Program • Physical and mental health wellness programs • Pet care discounts • Financial support in times of hardship through the Achieve Care Fund • Six employee resource groups and commitment to diversity and inclusion • Hybrid work options in the San Mateo, CA and Phoenix, AZ metro markets • Work-from-home opportunities in other locations throughout the country • Bonus • Equity
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