Kiwi is a Series B consumer lending fintech serving the US Hispanic market, with a focus on underbanked consumers. We've raised more than $120MM across debt and equity, with material room to scale our facilities and loan book. We're looking for a seasoned capital markets professional to work directly with the CEO and Finance teams.
Own the borrowing base process end-to-end: weekly and monthly borrowing base certificates, eligibility testing, covenant compliance tracking (advance rates, concentration limits, minimum liquidity, leverage caps), and lender reporting across our warehouse and subordinated facilities.
Source and manage lender relationships: cultivate new potential lenders — credit funds, banks, forward-flow buyers, and warehouse providers — including preparing data rooms, fielding diligence requests, and running processes through to term sheet.
Build and maintain the company's core financial models: loan-level cash flow and vintage models, facility-level advance rate and returns models, the corporate three-statement model, and scenario and sensitivity analysis.
Prepare Board and investor materials: Board presentations, lender updates, and analysis supporting equity and debt fundraising.
Support negotiation of credit agreements and amendments alongside management and outside counsel — advance rate tiers, eligibility criteria, covenants, and intercreditor terms.
Partner with the data, credit, and finance teams to turn portfolio performance into strategic decisions.
5–15 years in investment banking, private credit, private equity, or capital markets; structured finance, specialty finance, or consumer lending coverage strongly preferred.
Hands-on experience preparing borrowing bases, financial projections, and other detailed lender-facing reporting.
Advanced financial modeling skills in Excel and comfort working with loan-level data; experience using SQL to query data and build automated reports.
Exposure to forward-flow agreements, warehouse facilities, and mezzanine debt.
Experience interacting directly with lenders, investors, or credit committees.
Strong written and visual communication — you can turn a model into a Board-ready story.
Self-starter who thrives in a lean team with high ownership.
Bilingual English/Spanish required.
Our finance team is based in Santo Domingo, Dominican Republic, and that's our preference for this role given the close day-to-day work with the CEO and the rest of the team. That said, we're open to strong candidates working remotely from anywhere in Latin America. Periodic travel to Santo Domingo and the US is expected.
Skills Required
- 5-15 years of experience in investment banking, private credit, private equity, or capital markets
- Experience in structured finance, specialty finance, or consumer lending
- Hands-on experience preparing borrowing bases, financial projections, and detailed lender-facing reporting
- Advanced financial modeling skills in Excel
- Experience working with loan-level data
- Experience using SQL to query data and build automated reports
- Exposure to forward-flow agreements, warehouse facilities, and mezzanine debt
- Experience interacting directly with lenders, investors, or credit committees
- Strong written and visual communication skills
- Self-starter who thrives in a lean, high-ownership team
- Bilingual English and Spanish
What We Do
Kiwi is a leading platform that helps Latinos living in the US, who may have limited credit data and access to capital, build credit history through unsecured lines of credit and alternative credit builder programs. As the fastest-growing minority segment in the US, the Latino market is expected to reach over 100 million in the next few decades. Our mission is to empower Latinos by providing tools and resources to establish credit, access capital and save money.
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