Sr. Manager, Capital Markets & Treasury (R14350)

The Opportunity

We're looking for a Senior Manager, Capital Markets & Treasury to support Oportun's funding strategy, liquidity management, and capital planning. You'll play a key role in managing warehouse facilities, securitizations, whole loan sales, lender reporting, covenant compliance, and corporate cash forecasting.

This role combines transaction execution, financial modeling, liquidity planning, and external partner management. You'll work closely with Finance, Treasury, Legal, Accounting, Data, and external financing partners to strengthen funding capabilities, improve forecasting, and support informed capital decisions.

Success in this role means maintaining strong access to funding, improving visibility into liquidity and cash needs, strengthening reporting and controls, and helping the business make sound decisions across financing, capital, and growth priorities.

At Oportun, we move fast and we hold each other to a high bar. If you care about doing your best work while actually moving the needle for real people, you'll fit right in.

Your day-to-day

• You'll support the execution and ongoing management of asset-backed securitizations, warehouse facilities, whole loan sales, and other financing transactions.
• You'll manage borrowing base calculations, collateral eligibility, concentration limits, lender reporting, and covenant compliance across funding facilities.
• You'll support whole loan sale programs, including investor relationships, transaction execution, due diligence, and contract negotiations.
• You'll develop and maintain corporate cash forecasts, liquidity models, and short- and long-term funding plans.
• You'll integrate data from financial systems and business forecasts to improve visibility into sources and uses of cash.
• You'll perform cash flow modeling, portfolio analysis, funding cost evaluations, scenario analysis, and liquidity stress testing.
• You'll monitor liquidity and help optimize cash management, funding mix, and capital efficiency.
• You'll support interest rate risk management and hedging activities in partnership with internal and external stakeholders.
• You'll coordinate with lenders, investors, rating agencies, trustees, legal counsel, banks, and internal teams to support financing activities and ongoing facility management.
• You'll identify emerging funding, liquidity, and capital risks and communicate recommendations to senior leadership.
• You'll improve financial models, automate recurring reporting, and strengthen controls, documentation, and operational processes.
• You'll help evaluate and implement tools or processes that improve Treasury and Capital Markets efficiency, transparency, and scalability.
• You'll bring ideas for how we can strengthen funding strategy, liquidity planning, and capital management across the organization.
• You'll look for practical ways to use AI and automation to improve forecasting, analysis, reporting, documentation, and decision-making.

Who You Are

• The right fit looks like this
• You're an analytical and commercially minded finance professional who understands how funding, liquidity, capital, and portfolio performance connect to broader business strategy.

You're comfortable working through complex transactions, detailed models, and tight deadlines while maintaining a clear view of the bigger picture. You communicate clearly with senior leaders and external partners, take ownership of outcomes, and know how to move work forward across multiple stakeholders.

You're detail-oriented without losing sight of business impact, and you consistently look for ways to improve processes, controls, and decision-making.

Skills & experience

Required

• 6+ years of experience in capital markets, treasury, structured finance, investment banking, corporate finance, or a related financial services field.
• Experience with securitizations, warehouse financing, whole loan sales, liquidity management, or other structured funding activities.
• Strong financial modeling, cash flow forecasting, and analytical skills.
• Experience managing borrowing bases, covenant compliance, collateral eligibility, or lender reporting.
• Strong understanding of liquidity management, funding structures, capital planning, and financing economics.
• Experience working with large datasets and translating financial information into clear business insights.
• Advanced Excel skills and strong presentation capabilities.
• Strong written and verbal communication skills, including experience working with senior leaders and external financing partners.
• Strong organizational and project management skills with the ability to manage multiple priorities independently.
• Strong problem-solving skills and attention to detail in a fast-paced environment.

Nice to Have

• Experience in consumer lending, fintech, banking, specialty finance, or another asset-backed lending environment.
• Experience with asset-backed securitizations or structured finance transactions.
• Experience managing whole loan sale programs or investor relationships.
• Experience with interest rate hedging, liquidity stress testing, or cash-management optimization.
• Experience with SQL, Python, or similar tools for financial analysis, automation, or data querying.
• Experience working with rating agencies, trustees, banks, or institutional investors.
• Bachelor's degree in Finance, Accounting, Economics, Business, or a related field.
• MBA, CFA, CPA, or other relevant advanced credential.
• Experience using AI-enabled tools to improve analysis, forecasting, reporting, or productivity.

• Our AI Mindset
• We build with AI. We lead with judgment.
• AI isn't a feature here. It's how we work.

• We're excited about what AI makes possible, and we're looking for people who share that curiosity.
• You don't need to be an expert.
• You need to be open to experimenting, willing to learn, and able to apply new tools in ways that actually move the needle.

In this role, you'll be encouraged to explore AI tools, find practical use cases for your function, and bring ideas for working smarter. We believe the best outcomes come when human judgment and AI capability work together.

What's in it for you

Oportun offers a competitive compensation and benefits package designed to support your physical, financial, and professional well-being. Benefits vary by country of employment.

Benefits

Some of the benefits available to eligible employees include:

US Benefits

• Medical, Dental & Vision Insurance
• 401(k) including company match
• Flexible PTO and Parental Leave
• Company-paid Life & Disability Insurance

• Eligibility and plan details vary by location and employment status. To learn more about Oportun and our benefits, visit oportun.com/careers
• The US salary range for this full-time position is $ 112,500 - $ 180,000
• Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects a national minimum and maximum range for new hire salaries for this position.

Within this range, individual pay is determined by work location and additional factors, such as job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range that meets your criteria during the hiring process.

Please note that the compensation range listed in this posting reflects only the base salary for this position and does not include other compensation elements or benefits. R1 #LI-REMOTE #LI-RR1

• We will never request personal identifiable information (bank, credit card, etc.) before you are hired.
• We do not charge you for pre-employment fees such as background checks, training, or equipment.
• If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI's Internet Crime Complaint Center (IC3).