Principal, Fintech Innovation Banking

Fifth Third Bank • San Francisco, CA

1d

About The Position

The Principal supports growth across three strategic pillars: corporate banking for fintech companies, embedded banking and fintech infrastructure, and asset-backed finance and structured capital solutions. The role provides comprehensive banking, treasury, lending, and capital markets solutions to venture-backed and growth-stage fintech companies; delivers banking and funds-flow capabilities for fintech products, with emphasis on adoption and strategic value of the Newline platform; and originates and executes structured financing solutions for fintech lenders and specialty finance companies. The position also supports client origination, credit analysis, integrated financing solutions, and coordination with Capital Markets and Treasury partners.

The role requires 5–7 years of experience in banking, corporate finance, or capital markets, strong credit and underwriting skills, advanced analytical and quantitative abilities, and effective communication and priority-management skills. An undergraduate degree is required; a graduate degree is preferred. SIE, Series 79, and Series 63 licenses are required within Fifth Third guidelines.

The position is located in San Francisco, California. Total base pay ranges from $82,100 to $172,500 annually. The role is eligible for incentive compensation based on company, line of business, and/or individual performance. Fifth Third describes its benefits programs as supporting employees’ physical, financial, emotional, and social well-being.

Requirements

• Undergraduate degree required.
• 5–7 years of experience in banking, corporate finance, or capital markets.
• Strong credit, corporate finance, and underwriting skills.
• SIE, Series 79, and Series 63 licenses required within Fifth Third guidelines.
• Advanced analytical and quantitative skills.
• Strong financial modeling and valuation skills.
• Effective communication skills.
• Ability to manage multiple priorities.
• Familiarity with Bloomberg, Capital IQ, or FactSet.

Nice To Haves

• Graduate degree preferred.

Responsibilities

• Build and interpret complex financial models and independently complete credit and financial statement analysis.
• Create high-impact, client-ready presentation materials.
• Apply knowledge of venture capital structures and market trends to identify client needs and relevant solutions.
• Support and help originate venture debt, growth capital, MRR/ARR, treasury, FX, warrant, and capital markets opportunities.
• Coordinate with product partners to develop integrated financing solutions for complex client needs.
• Build strong relationships with peers, product partners, and senior bankers.
• Provide support and oversight to Capital Markets and Treasury partners on product suitability.
• Originate and execute warehouse facilities, forward-flow agreements, securitizations, ABS transactions, and other structured financing solutions for fintech lenders and specialty finance companies.
• Support corporate banking services for venture-backed and growth-stage fintech companies, including banking, treasury, lending, and capital markets solutions.
• Help deliver embedded banking and funds-flow capabilities for fintech clients, with emphasis on expanding adoption and the strategic value of the Newline platform.
• Be accountable for risk by openly exchanging ideas, elevating concerns, and following policies and procedures.

Benefits

• Comprehensive benefits programs designed to support physical, financial, emotional, and social well-being.
• Eligible to participate in an incentive compensation plan, with payment based on company, line of business, and/or individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Principal