VP Associate capital market

Kiwi Financial

6d • Remote

About The Position

Kiwi is a Series B consumer lending fintech serving the US Hispanic market, with a focus on underbanked consumers. We've raised more than $120MM across debt and equity, with material room to scale our facilities and loan book. We're looking for a seasoned capital markets professional to work directly with the CEO and Finance teams.

Requirements

• 5–15 years in investment banking, private credit, private equity, or capital markets; structured finance, specialty finance, or consumer lending coverage strongly preferred.
• Hands-on experience preparing borrowing bases, financial projections, and other detailed lender-facing reporting.
• Advanced financial modeling skills in Excel and comfort working with loan-level data; experience using SQL to query data and build automated reports.
• Exposure to forward-flow agreements, warehouse facilities, and mezzanine debt.
• Experience interacting directly with lenders, investors, or credit committees.
• Strong written and visual communication — you can turn a model into a Board-ready story.
• Self-starter who thrives in a lean team with high ownership.
• Bilingual English/Spanish required.

Responsibilities

• Own the borrowing base process end-to-end: weekly and monthly borrowing base certificates, eligibility testing, covenant compliance tracking (advance rates, concentration limits, minimum liquidity, leverage caps), and lender reporting across our warehouse and subordinated facilities.
• Source and manage lender relationships: cultivate new potential lenders — credit funds, banks, forward-flow buyers, and warehouse providers — including preparing data rooms, fielding diligence requests, and running processes through to term sheet.
• Build and maintain the company's core financial models: loan-level cash flow and vintage models, facility-level advance rate and returns models, the corporate three-statement model, and scenario and sensitivity analysis.
• Prepare Board and investor materials: Board presentations, lender updates, and analysis supporting equity and debt fundraising.
• Support negotiation of credit agreements and amendments alongside management and outside counsel — advance rate tiers, eligibility criteria, covenants, and intercreditor terms.
• Partner with the data, credit, and finance teams to turn portfolio performance into strategic decisions.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed