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Capital Market Operations Lead

125k – 150kSan Francisco, CAFinance & AccountingOnsite3+ YOE
Summary

Leads capital market operations including lender funding requests, partner reporting, daily fund flows, reconciliations, and process automation. Requires 3+ years in finance/fintech, proficiency in Excel/SQL/Snowflake, and strong operational controls in high-volume environments.

About the role

Responsibilities

  • Prepare and submit periodic borrowing base certificate and funding requests using external Capital market platform (e.g. Setpoint)
  • Ensure ongoing compliance with lender requirements, covenants and eligibility criteria
  • Own monthly lender reporting packages and support audits and diligence requests
  • Act as the primary point of contact for lender-related operational inquiries
  • Monitor daily changes in the data tape and highlight key performance metric changes
  • Manage monthly reporting deliverables for brand partners
  • Own daily fund flow operations across Cardless and brand partner programs
  • Perform and oversee daily reconciliations, identifying and resolving discrepancies
  • Serve as the primary finance contact for partner reporting and funding-related inquiries
  • Identify and drive automation opportunities across reporting, reconciliations, and funding workflows
  • Partner with Data and Engineering to build scalable reporting infrastructure and resolve data gaps
  • Enhance internal controls and operational processes to reduce risk and improve efficiency

Requirements

  • Bachelor's degree in Finance, Accounting, or related field
  • 3+ years of experience in investment banking, fin-tech, fin-operations, or accounting
  • Experience managing high-volume transaction workflows in a fast-paced environment
  • Strong understanding of reconciliations, reporting, and operational controls
  • Proficiency in Excel and experience working with data tools (e.g., Snowflake, SQL)
  • Ability to manage tight deadlines with a high degree of accuracy and ownership
  • Strong communication skills, including experience interacting with external stakeholders (e.g., lenders, partners)

Preferred

  • Experience working with credit facilities, structured finance, or warehouse lending
  • Familiarity with borrowing base mechanics and collateral reporting
  • Experience with capital markets platforms (e.g., Setpoint) or similar tools
  • Background in fintech or high-growth startup environments

Compensation

Annual starting salary range of $125k-$150k + equity + benefits.

Skills
ExcelSnowflakeSQLSetpointreconciliationsborrowing basecapital markets platformsstructured financewarehouse lendingreporting
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