Achieve is the leader in digital personal finance, helping everyday people thrive with innovative solutions like home equity and personal loans, and debt relief. We offer personalized financial solutions, blending data, technology, and an empathetic human touch to help members reach a better financial future. Our 2,300 teammates across hubs in California, Arizona, and Texas collaborate on our mission. Since 2002, we've fostered an inclusive environment, uniting all roles under core values: Care (For Everyone), Get Better (Every Day), Act With Integrity (Every Time), and Collaborate (With Everybody).

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner.

Join us and change the world together at Achieve Lending! We're undergoing a massive transformation, fueled by a bold three-year strategy to aggressively grow our lending business. Our mission is to become a digital-first, AI-enabled lending powerhouse - and, with our sister business, Achieve Debt Relief - to solidify our position as the leading platform in Consumer Liability Optimization.

This isn't just growth and transformation; it's a call to exceptional execution.

The Role

Achieve is seeking an experienced, highly analytical, and transformative leader to serve as the Head of Capital Markets. This role will own the strategic multi-year funding roadmap to support our growth at Achieve, reporting directly to the President of Achieve Lending. The ideal candidate is a distinguished talent sitting at the intersection of investor relations, structured finance, and an advanced understanding of credit risk. Your mission is to transform our Capital Markets activities into a world-class, programmatic effort that automatically aligns institutional investor demand with credit risk, origination types, and liquidity targets. You will define the performance plan for loan sales and securitization, maintaining full accountability for these outcomes.

Overview of Key Responsibilities:

1. Management of the Funding Stack

You will design and guide Achieve's funding stack as a highly diversified asset portfolio. You will intentionally optimize across four core pillars: Cost of Capital, Certainty of Takeout, Capacity, and Resilience. You will strategically architect and oversee:

• Forward Flow Agreements: Segment partners by credit boxes and product types to anchor baseline capacity, maintain continuous liquidity, and avoid counterparty over-concentration.
• Warehouse Lines: Expand and diversify a bank roster with staggered maturities and flexible structural terms (advance rates, optimal eligibility criteria, accordion features) to maximize available days of liquidity under stressed scenarios.
• Asset-Backed Securitization (ABS) Program: Maintain a highly predictable, programmatic issuance cadence across macroeconomic cycles to achieve step-down spread compression relative to peers.
• Credit Box Alignment: Partner closely with Credit Risk to ensure credit box alignment with forward flow eligibility, warehouse advance criteria, and ABS structural requirements.

In addition, you will partner with our Finance and Treasury teams to prudently manage overall corporate liquidity through our capital markets activities, ensuring a self-funded operational cushion to withstand market risk.

2. Drive the AI-Enabled Capital Allocation Engine

Partner with our technology team to transform legacy funding processes to a dynamic, automated Capital Allocation Engine.

• Systematically route everyday origination volume through algorithmic Best Execution, based on market conditions, funding costs, credit risk factors, and enterprise risk management constraints.
• Sponsor and scale advanced AI capabilities across:
  • Predictive Pricing
  • Investor Allocations
  • Risk/Prepayment Monitoring
  • Automated Deal Structuring

3. Build Improved Data & Analytics Foundation

Position Achieve as the most transparent, frictionless, and data-forward platform for institutional investors in the consumer finance industry.

• Oversee the construction of an institutional-grade unified loan data warehouse and a self-service investor reporting portal that replaces static data tapes with dynamic, granular cohort tracking.
• Extend our capabilities to model credit and stress scenarios - emulating major rating agencies’ models - to accurately predict structural implications and tradeoffs.

4. Drive Cross-Functional Engagement Model

Improve organizational collaboration between the Capital Markets team and the rest of Achieve by overseeing cross-functional operating rhythms:

• Synthesize investor feedback, market intelligence, and shifts in asset preferences.
• Establish operational gates to ensure new product launches and credit expansions have committed funding and to ensure that Capital Markets participates in shaping what Achieve produces.
• Align tightly on revenue recognition policies, corporate cost of capital metrics, and optimal balance sheet deployment.

5. Formulate and Expand Product Capabilities

Lead the strategic formulation and capital design of Achieve’s expanding product suite, driving growth into new asset classes while ensuring absolute alignment between capital markets viability and borrower demand.

• Spearhead the capital strategy and structural design for new lending products across diverse categories, including mortgage, auto, and credit cards, to aggressively broaden Achieve's market footprint.
• Partner closely with Credit Risk, Marketing, and Business Unit General Managers (GMs) to co-author product features that simultaneously optimize borrower acquisition, risk-adjusted returns, and investor appetite.
• Serve as the structural anchor for all new product initiatives, ensuring that asset designs, credit boxes, and yield profiles seamlessly integrate with warehouse lines, forward flow agreements, and future ABS programmatic issuance.

Experience & Education

• 12 Years of Senior Experience: Deep tenure within consumer structured finance, investment banking, asset management, or fintech capital markets platforms, including 3-5 years leading the Capital Markets function.
• Proven Track Record: Tangible history of managing programmatic ABS platforms, negotiating committed forward-flow and warehouse facilities, and managing through complex liquidity environments.
• Educational Background: Bachelor’s degree in Finance, Economics, Data Science, Engineering, or a highly quantitative discipline. An MBA, CFA, or advanced degree in quantitative finance is highly preferred.

Technical & Leadership Competencies

• Distinguished Expert: Equal parts Wall Street transaction experience and modern data-driven strategist. You possess deep familiarity with structural waterfalls, stress simulations, and advanced modeling.
• Owner Mindset: Proven ability to manage outcomes, treat investor demand as a managed portfolio, and tie capital markets outcomes directly to long-term enterprise value creation.
• Transparent Communicator: Exceptional relationship-building skills, with a leadership philosophy rooted in proactive transparency to create trust internally and with external partners.
• People & Culture Leader: Experience building high-performing, cross-functional teams across Investor Relations, Structuring, Investor Reporting & Data, Loan Products & Capital Strategy, and Risk & Portfolio Surveillance while fostering a results-oriented culture focused on rapid execution and strategic impact.

All your information will be kept confidential according to EEO guidelines.

Achieve well-being with:

• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options  
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, physical and mental health wellness programs
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

We are proudly offering hybrid options in the San Mateo, CA and Phoenix, AZ metro market. In other locations throughout the country, we offer work from home.

Salary Range: $340,000 - $370,000 bonus equity benefits. 

This information represents the expected salary range for this role. Should we decide to make an offer for employment, we'll consider your location, experience, and other job-related factors.

Join Achieve, change the future.

At Achieve, we’re changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve’s Talent Acquisition leader.

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