Capital Markets Manager

Sunbit•New York, NY

5h•$160,000 - $185,000•Hybrid

About The Position

Sunbit builds financial technology for real life. Our technology eases the stress of paying for life’s expenses by giving people more options on how and when they pay. Founded in 2016, Sunbit offers a next-generation, no-fee credit card that can be managed through a powerful mobile app, as well as a point-of-sale payment option available at more than 16,000 service locations, including 1 in 3 auto dealerships, optical practices, dentist offices, veterinary clinics, and specialty healthcare services. By introducing a flexible way to pay over time, we are proud of our ability to lift up service providers and retailers while helping consumers when necessary expenses arise... regardless of whether they were expected or unexpected. Sunbit was included on the 2022 Inc. 5000 list. The financial technology company has also been named as a Most Loved Workplace®, Best Point of Sale Company, and as a Top Fintech Startup by CB Insights. We use cutting-edge innovations in financial technology to bring leading data and features that allow individuals to be qualified instantly, making purchases at the point-of-sale fast, fair and easy for consumers from all walks of life. We create value focused on our core values; we work tirelessly to ensure that Sunbit becomes available to everyone, everywhere. We are seeking a Manager to join our Capital Markets team. In this role, you will play a key role in managing the company’s structured finance funding activities, including warehouse facilities, forward flow agreements / whole loan sales, and ABS issuances. You will work cross-functionally with Finance, Risk, Legal, Operations, and external partners to ensure that our funding programs operate smoothly, support business growth, and achieve the company’s financial goals. This high-impact, high-visibility role is at the core of our capital team, ideal for someone who thrives in dynamic environments and is passionate about helping build a best-in-class funding platform from the ground up. This is an excellent opportunity for someone with 4-6 years of relevant experience in capital markets, investment banking, structured finance, or securitized products to take on meaningful responsibility in a fast-paced fintech environment. This position reports to the Director of Capital Markets and will work in a hybrid context in the New York metropolitan area. Travel to industry conferences and the Los Angeles corporate headquarters will be required occasionally.

Requirements

4–6 years of experience in capital markets, structured finance, securitization, or a related field
Capital markets or treasury roles at fintech lenders
Securitized products exposure at an investment bank
Rating agency or credit-focused experience in consumer ABS
Strong analytical and quantitative skills; advanced Excel required (SQL or Python a plus)
Experience working with consumer credit assets, collateral performance analytics, or ABS transaction structures
Excellent project management skills and comfort working with cross-functional stakeholders
Strong written and verbal communication abilities, with an ability to simplify complex topics for internal and external audiences
High attention to detail, strong ownership mindset, and comfort operating in a fast- moving environment

Responsibilities

Support the execution and ongoing management of funding facilities, including warehouse lines, forward flow programs, and securitizations
Assist in transaction structuring, modeling, data preparation, and diligence materials for lenders, investors, and rating agencies
Support investor relations by preparing presentations, data tapes, program updates, and analyses
Monitor market trends in ABS, consumer credit, and fintech funding to inform strategy and pricing
Contribute to long-term funding strategy, capital planning, and cost of funds forecasting and optimization
Coordinate with internal and external legal teams on new transaction documentation and existing facility amendments
Build and enhance internal processes, forecasting tools, and models used to monitor capital markets covenant compliance, asset performance, and capital markets KPIs

Benefits

Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024)
Mission driven + empowered + collaborative
Competitive pay and stock options
Unlimited PTO
Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Parental Leave
Newly added HSA and Pet Insurance
401K Plan with Matching
Cell Phone Stipend
Casual Dress
Team based strategic planning + Team owned deliverables