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Who we are:
Shape a brighter financial future with us.
Together with our members, we’re changing the way people think about and interact with personal finance.
We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role:
The Capital Markets Product Development Lead will be responsible for driving the design, approval, and execution of new financing and structured product initiatives. This role will serve as the central point of coordination between internal teams, ensuring that new capital markets programs are strategically aligned, financially sound, operationally executable, and effectively communicated both internally and externally. The ideal candidate will combine a deep understanding of structured finance with strong project management, cross-functional leadership, and stakeholder engagement skills to deliver scalable funding solutions that support the company’s growth objectives.
What you’ll do:
- Partner with business units to identify and develop products and financing opportunities aligned with strategic funding goals.
 - Evaluate feasibility, market positioning, and structural options to optimize investor appeal.
 - Lead initiatives from concept through execution, coordinating feasibility assessments, governance, data readiness, and implementation.
 - Establish and manage project timelines, milestones, and deliverables to ensure disciplined execution and cross-functional alignment.
 - Serve as the central point of coordination between Capital Markets, Business Units, Finance, Risk, Legal, Data and other internal teams.
 - Collaborate with Finance and Treasury to model product economics, analyze funding efficiency, and assess trade-offs between risk, cost, and complexity.
 - Define data and system requirements to support new products, ensuring infrastructure and reporting are accurate and scalable.
 - Partner with Data Engineering and Operations to validate readiness for investor, regulatory, and management reporting.
 - Support investor education and due diligence processes, developing materials and coordinating discussions with external partners and counterparties.
 - Gather and incorporate investor feedback into product design and future enhancements.
 - Oversee the transition from design to execution and monitor product performance post-launch.
 - Document learnings and build standardized frameworks to streamline future product development efforts.
 
What you’ll need:
- 8+ years of relevant experience desired; capital markets and fintech experience is plus.
 - BS/BA in business, finance, accounting, economics or similar technical field
 - Demonstrated experience leading cross-functional initiatives, managing project timelines, dependencies, and stakeholder communication from concept through implementation.
 - Proven ability to structure and operationalize new financing or capital markets products.
 - Strong organizational discipline and project ownership mindset, with the ability to drive alignment, manage approvals, and ensure timely delivery of complex initiatives.
 - Strong verbal and written communication skills, technical skills, and attention to detail
 - High level of proficiency with Microsoft Office and Google suites (particularly in Excel, PowerPoint, Sheets)
 - Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.
 
Top Skills
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