Capital Markets Manager

Highbeam Research; New York (NY); On-site; USD 180,000 - 240,000; Full time

Benefits offered by this job

Competitive salary and meaningful0equ

Comprehensive health & benefits

Generous PTO

$1K/year stipend to purchase products

$100/mo wellness stipend

Yearly offsite

In-office perks: commute covered and $

Great NYC NoHo office with easy train

Job summary

Highbeam is hiring a Capital Markets Manager in New York to own day-to-day debt facility management, lender reporting, and funding activities. You will work across Credit and Finance, coordinating with lenders and auditors while ensuring compliance with covenants and reporting schedules.

The role requires 2–4 years in capital markets, strong Excel/GAAP skills, and the ability to push data through a scalable reporting process. This is a hands-on, finance-lead position at a growing fintech.

Qualifications

• 2–4 years in capital markets, structured finance, or lender finance.
• Direct experience preparing borrowing base certificates, covenant tests, and portfolio tapes for a credit facility.
• Working knowledge of warehouse or asset based facility mechanics: eligibility, advance rates, concentration limits, and triggers.
• Advanced Excel/Google Sheets skills, including building and maintaining facility models.
• Solid grasp of GAAP financial statements and how lending activity flows through them.
• Exceptional attention to detail; you treat a lender report like a legal document.
• Clear communicator, comfortable working directly with lenders and the CFO.
• Bachelor's degree in Finance, Accounting, Economics, or a related field.

Responsibilities

• Own the monthly and periodic reporting cycle: borrowing base certificates, loan level portfolio tapes, servicing reports, and compliance certificates.
• Deliver every report accurately and on time, with a documented close checklist and review controls.
• Prepare ad hoc analyses for lenders on portfolio performance, concentrations, and credit trends.
• Test eligibility criteria, concentration limits, advance rates, and performance triggers each cycle.
• Track excess spread, delinquency, and loss triggers, and flag any approaching breach to the CFO early.
• Keep a covenant calendar covering every reporting deadline, certification, and notice requirement.
• Manage draws, paydowns, and the pledging of eligible receivables into the facility.
• Reconcile facility balances, interest, and fees against the loan ledger and bank accounts.
• Forecast borrowing base availability and liquidity so the lending book never outruns its funding.
• Act as day-to-day contact for lenders, backup servicers, verification agents, and auditors.
• Coordinate data requests, field exams, and audits.
• Support facility raises, amendments, and upsizes: data room prep, diligence responses, and document review alongside counsel.
• Build and maintain the facility model.
• Automate data pulls and report production as the portfolio scales.

Skills

Capital markets

Advanced Excel

Attention to detail

Clear communication

GAAP knowledge

Education

Bachelor's degree in Finance, Accounting, Economics

Tools

Excel/Google Sheets

Facility model

SQL or Python

Job description

Highbeam is building the future of business banking and cash management.

Our platform combines AI agents, automated financial workflows, and integrated financial products that save brands time and money.

Customers have generated billions in sales and include well-known brands such as Cuts, Tushy, Rocco, Sabah, Still Here, Alice Mushrooms, Original Grain, birddogs, and more.

Our team includes alumni of Shopify, Square, Toast, Rippling, and McKinsey.

We’ve raised $42M in equity from Acrew, FirstMark, Mayfield, and Two Sigma Ventures.

About Highbeam Highbeam is a banking and lending platform built for e-commerce and consumer packaged goods (CPG) brands. We give founders and finance teams one place to manage cash, pay bills, and access capital - including revolving lines of credit, working capital loans, and card products designed around how product businesses actually operate. Our lending book is funded in part through institutional debt facilities. As the portfolio grows, so does the need for rigorous facility management and lender reporting. The Role We're hiring a Capital Markets Manager to own the day-to-day management and reporting of Highbeam's debt facilities. You'll run the monthly lender reporting cycle, keep us in compliance with facility covenants, manage funding into the facility, and be the first point of contact for our lenders. This is a hands-on role at the intersection of Capital Markets, Credit, and Finance. You'll work closely with the Credit and Portfolio Management team and report directly to the CFO.

• Title: Capital Markets Manager
• Reports to: Chief Financial Officer
• Location: New York, NY
• Type: Full-time

What You'll Do

Debt Facility Management & Reporting

Lender reporting

• Own the monthly and periodic reporting cycle: borrowing base certificates, loan level portfolio tapes, servicing reports, and compliance certificates.
• Deliver every report accurately and on time, with a documented close checklist and review controls.
• Prepare ad hoc analyses for lenders on portfolio performance, concentrations, and credit trends.

Covenant and eligibility monitoring

• Test eligibility criteria, concentration limits, advance rates, and performance triggers each cycle.
• Track excess spread, delinquency, and loss triggers, and flag any approaching breach to the CFO early.
• Keep a covenant calendar covering every reporting deadline, certification, and notice requirement.

Funding and cash management

• Manage draws, paydowns, and the pledging of eligible receivables into the facility.
• Reconcile facility balances, interest, and fees against the loan ledger and bank accounts.
• Forecast borrowing base availability and liquidity so the lending book never outruns its funding.

Lender and stakeholder relationships

• Act as day-to-day contact for lenders, backup servicers, verification agents, and auditors.
• Coordinate data requests, field exams, and audits.
• Support facility raises, amendments, and upsizes: data room prep, diligence responses, and document review alongside counsel.

Process and tooling

• Build and maintain the facility model.
• Automate data pulls and report production as the portfolio scales.

What We're Looking For

Required

• 2-4 years in capital markets, structured finance, or lender finance, ideally at a specialty lender, fintech, or warehouse lender.
• Direct experience preparing borrowing base certificates, covenant tests, and portfolio tapes for a credit facility.
• Working knowledge of warehouse or asset based facility mechanics: eligibility, advance rates, concentration limits, and triggers.
• Advanced Excel / Google Sheets skills, including building and maintaining facility models.
• Solid grasp of GAAP financial statements and how lending activity flows through them.
• Exceptional attention to detail; you treat a lender report like a legal document.
• Clear communicator, comfortable working directly with lenders and the CFO.
• Bachelor's degree in Finance, Accounting, Economics, or a related field.

Nice to Have

• SQL or Python for pulling and reconciling loan-level data.
• Experience with revolving credit, receivables, or card products.
• Exposure to a facility raise or amendment from term sheet to close.
• Familiarity with credit agreements and the ability to translate legal terms into reporting logic.
• CPA, CFA (or progress toward), or MBA.

You’ll thrive at Highbeam if...

• You love working in-person with a high-performing team
• You enjoy working in an idea-meritocratic, low-ego environment
• You are proactive and self-directed, and you excel in ambiguous, fast moving environments
• You care about delivering a polished customer experience
• Bonus: You have experience working in fintech, AI or early-stage startups

What we offer

• Competitive salary and meaningful equity
• Comprehensive health & benefits package
• Generous PTO
• $1K/year stipend to purchase our customers' products
• $100/mo wellness stipend
• Yearly offsite-last year we went to Mexico City!
• In-office perks: Commute covered and $20/day lunch stipend
• Great location: Our NYC office is in NoHo, a short walk from the A,C,E, B,D,F,M, N,Q,R,W, 1, 6 trains. Our Toronto office is downtown near St. Andrew Station.