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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
SoFi is seeking a Manager to join our Capital Markets team. In this role, you will be the structuring point person working with a cross-functional internal team of capital markets, treasury, investor relations, legal and IT team members together with external constituencies including broker-dealers, investors and rating agencies to establish the most efficient structures for proposed Capital Markets’ transactions.
What you’ll do:
- Manage the structuring process for all Securitizations and Loan Sales, including Intex file set up and iteration and Cash Flow model analysis.
- Analyze and understand the economic impact of using different avenues of funding available through the capital markets (execution related to ABS transactions, whole loan sales, warehouse financing, and bulk sales).
- Validate and utilize third-party valuation agent credit assumptions and analytics to run internal analyses related to fair market value of SoFi’s managed pool of loans.
- Monitor dashboards and spreadsheets that track ongoing performance of our securitizations and other transactions.
- In partnership with internal and external counsel, review and negotiate transactional terms through to execution.
- Collaborate and provide strategic support to internal stakeholders such as credit, legal, engineering, product, treasury, accounting, servicing and finance.
- Assist with the content preparation, communication, correspondence, and due diligence processes for external stakeholders including investors, lenders, rating agencies, data systems providers, law firms, trustees, custodians, and accounting firms.
- Other ad hoc support as needed requested relating to whole loan sales, asset backed securitizations, new products, securities financing, unsecured lines of credit, and any other future financing initiatives of the company.
What you’ll need:
- 8+ years of relevant experience desired, primarily in capital markets and ABS execution
- BS/BA in business, finance, accounting, economics or similar technical field
- Excellent work ethic and willingness to contribute broadly to achieve team and company objectives
- Strong verbal and written communication as well as technical and organizational skills
- Strong analytical skills with attention to detail and deep knowledge of Intex Dealmaker and Bloomberg
- Clear understanding of Rating Agency criteria and how they translate into transactional structures
- Strong ability to read and interpret financial contracts and knowledge of core documents and industry standard/best practices in transactional terms
- High level of proficiency with Microsoft Office suite (particularly in Excel, PowerPoint)
- Previous experience with lending or consumer credit products a plus: mortgages, student loans, credit cards, personal loans, etc.
- Previous experience with asset-backed securitization data sets a plus: Bloomberg, Intex, DV01, etc.
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What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions.
Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world.
For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way.
At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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Employees engage in a combination of remote and on-site work.
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