Capital Markets Associate

Key responsibilities

• Build analytical models to evaluate product, country, and capital structure decisions, including cost of capital, advance rates, and liquidity planning for review with senior leadership. 
• Coordinate with FP&A teams and build and update the company forecast model for investors, gain a deep understanding of the key drivers, and conduct analysis as needed 
• Prepare marketing materials and other presentations and reports as required to run the business, including for equity and debt raises. Support investor relations - investor engagement, manage data rooms and periodic updates with risk teams.
• Support and contribute to PayJoy’s funding strategy of the existing loan book in LatAm and expansion into new markets in Africa and Asia.
• Contribute on projects such as M&A, country expansion planning, new product launches, capital raises, and similar. 
• Assist in acquiring new funding partners, transaction execution, and relationship management
• Assist with preparedness for new funding sources - including corporate debt, securitizations, forward flow arrangements
• Simplify and improve processes, drive standardization and automation, and build scalable solutions to facilitate PayJoy’s future growth
• Synthesize and distill key financial and business insights to senior stakeholders and leadership - identify key financial metrics, analyze results, assess risk, and communicate risks & opportunities.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, or related field. 
• Strong knowledge of accounting principles, capital markets, and financial planning
• 3-5 years experience in capital markets, investment banking, consulting, corporate finance, FP&A or related fields. 
• Strong financial modeling 
• Experience in fintech, banking, or regulated industries is a plus
• Knowledge of consumer lending products and fintech landscape is a plus
• Team player who is able to collaborate across multiple groups internally, work on a variety of projects simultaneously and across multiple geographies.
• Strong analytical aptitude and keen attention to detail
• Excellent written and verbal communication skills in English, with the ability to communicate complex concepts effectively.
• Creative, passionate about problem solving and solution orientation.
• Fluent in Microsoft Office, SQL skills a plus.
• Fluency in Spanish is a plus.

Benefits

• 100% Company-funded health, dental, and vision insurance for employee and immediate family
• Company-funded employee life and disability insurance
• 3% employer 401k contribution
• Company holidays; 20 days vacations; flexible sick leave
• Phone finance, Headphone, home office equipment and fitness perks.
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Commuter benefit