Affirm, Capital Markets Associate

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WHAT YOU’LL DO

  • Work on a small (but growing!) team as an integral part of capital markets strategy decision-making

  • Lead diligence processes to help financing counterparties understand Affirm’s assets and business in order to receive, evaluate, and provide feedback on term sheet proposals

  • Build detailed asset analyses from robust data sets (Python, R or SQL) to compile diligence materials for potential and existing investors

  • Build financial models to analyze and interpret the impact of various debt funding strategies while working in the context of the broader corporate model

  • Collaborate with internal and external counsel to structure and negotiate definitive documentation with financing counterparties

  • Partner cross-functionally with our Engineering, Product, Sales and Marketing, Servicing, and Risk teams to drive strategy and optimize tactics as it relates to capital markets

  • Help build relationships with existing and potential investors through introductory meetings (phone/conferences), due diligence sessions, and data requests

  • Keep up with the consumer lending industry through research reports and issuer pricing releases  

WHAT WE LOOK FOR

  • 1-2 years of relevant industry experience with financial modeling (e.g. investment banking, private equity, hedge funds) or legal negotiation/documentation ("recovering" lawyers)

  • Asset-backed financing, FIG / Fintech coverage and/or credit experience is a plus

  • BA/BS degree in a quantitative discipline or equivalent work experience

  • Basic understanding of a lending P&L and various capital structures

  • Experience using SQL, Python, R or another statistical programming language

  • Ability to think creatively and critically and thrive in a fast-paced, dynamic, and often ambiguous work environment

  • Intelligence + Humility. Hubris is the fastest way to blow up a bank!