Capital Markets Associate

First Circle is one of the fastest-growing fintechs in South-East Asia providing globally excellent financial services to under-served SMEs. We have already transformed access to credit for thousands of small businesses in the Philippines, and we are now building a full-stack SME Neobank that will include multi-currency bank accounts, payments, FX, corporate credit cards, and payroll.

We raised a Series B led by the World Bank last year, are growing at 90% year on year, and are hiring exceptional talent to play a pivotal role in the next chapter.

We are looking for a Capital Markets Associate to join our high-performing team. This role will sit at the intersection of capital markets, finance, legal structuring, and operations, creating value by building the infrastructure that underpins First Circle’s credit and investment platform.

You will work closely with senior leadership across Finance, Legal, and Product (particularly the Corporate Credit Cards product), supporting initiatives around debt and equity funding, funding structures, relationship building, business intelligence, investor reporting, and compliance frameworks. This is a hands-on, problem-solving role ideal for someone who wants to meaningfully contribute and grow within a high-growth fintech environment.

You will report to the VP Finance, Josh O’Donnell. Your role will require a significant amount of meetings with external parties and some travel across SEA to meet prospective investors.

• Maintain and build a funnel of debt and equity investors
• Prepare clear, concise marketing materials to communicate with internal decision-makers and external counterparties.
• Negotiate term sheets and deal documents and execute the deal in record time
• Systematise investor reporting obligations to require minimal human execution
• Design and execute funding and cash management structures
• Provide input into Group financial planning, particularly as it relates to funding needs in different scenarios

• 3–5 years total experience, ideally with 2+ years in investment banking, debt capital markets, structured finance, private credit or an investment role.
• Strong analytical and financial modelling skills; highly fluent in credit, leverage, and cash flow mechanics.
• Sharp commercial instincts and ability to navigate complex financial and legal topics.
• Excellent communicator - persuasive, composed, and relationship-oriented.
• Entrepreneurial mindset and willingness to build processes from the ground up in a fast-growing fintech.
• Highly competent with excel and powerpoint. Eager to learn SQL for independent data analysis

• The opportunity to shape the capital markets function of a fast-scaling fintech with regional ambitions.
• Exposure to senior leadership and strategic projects across debt, finance, and infrastructure.
• A dynamic, collaborative culture that values initiative and problem-solving.
• Competitive compensation with equity component and long-term career growth opportunities.
• Macbooks, health insurance, training budgets and more!
• Flexible working arrangements including remote work