Capital Markets
About Us
We are reinventing consumer credit. We wildly reduce the cost of capital by using technology to easily tap into people’s assets. Our first product is the world's cheapest credit card – backed by home equity. Using many patented technologies, we sped up a process that usually takes 4-6 weeks and thousands of dollars down to as fast as 15 minutes and $0 to get.
The Team
We are a well-capitalized (over $250MM in equity funding) team of technology (Square, Microsoft, Facebook) and finance (Discover, CapitalOne, Goldman Sachs) executives with top-tier investors – Founders Fund, Khosla Ventures, Max Levchin, NYCA, Sequoia, SciFi VC, Caffeinated Capital, etc.
Our team includes people who have built:
Financial products (Square/CashApp, the earliest CapitalOne credit cards)
Consumer products (Internet.org, Xbox)
Technology infrastructure (Visual Studio, Windows & Azure, helped design the C++ & C# languages)
Mathematics & science infrastructure (computational research at NASA’s JPL)
We are missionaries who like to work hard on important problems - and build products that become infrastructure for society. We believe that using technology to lower the cost of capital for consumers is one of these problems - and if we can do it, it could have an infinite impact on people’s lives.
Job Brief
We are looking for a capital markets team member focused on execution, data analytics, and structuring. Table stakes for any capital markets hire is a background in capital markets (at least 5 years of experience), strong analytical skills, advanced proficiency in Excel (SQL and Intex are a big plus), obsessive attention to detail, and demonstrated potential with leadership and client relationship skills. Must be a team player who can also go from A to Z alone when needed, have a strong work ethic, and enjoy solving complex problems (and boring ones too).
Responsibilities:
Execute on 100% clean capital markets operation with all of Aven’s debt capital partners. Includes ownership of deliverables related to:
Tape and performance data analysis
Cash flow modeling
Portfolio allocation & optimization
Reporting and reconciliations
Covenant performance and active portfolio management
Build cash flow modeling and analytics of our receivables for financing purposes across ABS execution, rating agency analysis, and forward flow sales across Intex and Excel.
Lead the structuring and execution of any type of structured financing product, including RMBS and ABS, asset sales, master trust, hedging, etc. This includes driving alignment with external and internal parties, reviewing work done by advisors and lawyers, and prioritization of Aven’s key objectives.
Transform and translate our data into a crisp, efficient, technology-driven, user-friendly, and content-rich analytics platform for capital market participants. Will involve working with engineering to streamline and improve our data reporting framework and reduce human intervention.
Create a medium and reporting that presents our collateral and cash flow performance with accuracy, simplicity and rigor to our investors, warehouse providers, and rating agencies. Assist with internal and external surveillance and reporting of our WH lines, debt financings, and forward flow partnerships.
Create a pricing optimization and portfolio allocation model that optimizes our exit strategies and aligns with our financial goals.
Frontline support services for capital providers, rating agencies, and investors: responding to inquiries; ad-hoc collateral analysis; cash flow modelling; performance metrics and projections; ongoing reporting and surveillance, etc.
Qualifications:
Bachelor's Degree required: JD, MBA, MCS, or relevant advanced degrees preferred
At least 5 years of experience in structured products or debt capital market roles, with demonstrated leadership abilities and execution track record
Prior experience dealing with specialty finance debt structuring and/or securitizations
Reputation for being the fastest/smartest operator in prior teams
Reliable on high-precision work. Strong orientation to deadlines and detail.
Computer Software Skills: expert-level Excel, with Intex preferred
Programming Skills: SQL, Python/R, Writing Algorithms are a plus
Location: SF Bay Area, New York, Remote.
Benefits:
Stock options
Generous health, dental, and vision insurance
3 weeks PTO + holidays
A company with a huge vision, a dynamic work environment, a team of talented, ambitious, and fun-to-work-with colleagues, and weekly team dinners!
Aven is a proud Equal Opportunity Employer. Aven does not discriminate against candidates or employees because of their sex, race, gender identity, disability, age, sexual orientation, religion, national origin, veteran status or any other protected status under the law.
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At Aven, we're on a mission to reinvent consumer credit, and we're excited to welcome a Capital Markets professional to our dynamic team. Imagine working for a company that's not just talking about change but actively creating it – our innovative products, like the world's cheapest credit card backed by home equity, are making waves in the financial landscape. Our talented group boasts experience from top companies like Square, Microsoft, and Goldman Sachs, and we're backed by some of the industry's biggest investors. As a member of our capital markets team, you will play a crucial role in executing and optimizing our capital markets operations. With responsibilities ranging from data analysis and cash flow modeling to structuring complex financing products, you will have the opportunity to work collaboratively while also taking ownership of your projects. We believe in using technology to lower consumer capital costs, and you will be at the forefront of translating our data into actionable insights to impress our investors. If you have at least five years of relevant experience, exceptional analytical skills, and thrive in high-pressure environments, you'll fit right in. Join us as we build financial solutions that not only succeed but also elevate the standards of consumer finance. With a competitive benefits package and a supportive work culture, including stock options and PTO, Aven is where passionate individuals come together to make a real impact. We can’t wait to see how your unique skills can contribute to our vision for a better future in consumer credit!
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Inventing new ways to save people money.
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