Head of Capital Markets

PayZen; San Francisco (CA); On-site; USD 235,000 - 275,000; Full time

Job summary

An innovative firm is seeking a strategic Head of Capital Markets to lead and manage warehouse financing and capital markets activities. This pivotal role will involve optimizing the capital structure, enhancing funding access, and driving new capital formation initiatives. You will collaborate closely with various teams, including Finance and Legal, to execute transactions and build relationships with institutional lenders. This is a unique opportunity to join a mission-driven organization focused on improving healthcare access for all, while contributing to a high-growth environment that values your expertise and insights.

Benefits

Competitive Pay

Stock Options

Health Benefits

Collaborative Team Environment

Qualifications

• 5+ years in structured finance or capital markets, ideally with warehouse financing.
• Strong understanding of asset-backed lending and structured credit products.

Responsibilities

• Manage warehouse credit facilities and optimize borrowing base reporting.
• Lead capital markets transactions and maintain lender relationships.
• Support pricing strategy by collaborating with finance teams.

Skills

Structured Finance

Capital Markets

Relationship Management

Model Building

Asset-Backed Lending

Communication Skills

Education

Bachelor's Degree in Finance

Master's Degree in Business Administration

Job description

Join to apply for the Head of Capital Markets role at PayZen

Join to apply for the Head of Capital Markets role at PayZen

We’re seeking a strategic and results-oriented Capital Markets professional to own the strategy, execution, and ongoing management of our warehouse financing and broader capital markets activities. This role is critical to optimizing our capital structure and supporting growth by ensuring efficient access to funding through institutional credit partners and investors. We are looking for team members who are passionate about contributing to the growth of a product that’s improving access to healthcare for all Americans.

In this role, you will report to the Chief Financial Officer on the Finance team, collaborating closely with Accounting, Strategic Finance, Credit and Legal. This role will be based at our headquarters in our San Francisco office. This is an exciting opportunity to be part of a mission-driven organization poised for significant growth.

Responsibilities

• Manage and optimize existing warehouse credit facilities, including ongoing borrowing base reporting, advance rate negotiations, and compliance with covenants.
• Lead deal execution processes across capital markets transactions, including warehouse expansions, loan sales, forward flow arrangements, and securitizations.
• Build and maintain relationships with institutional lenders, ABS investors, and capital partners.
• Support pricing strategy and loan economics by partnering with credit, risk, and strategic finance teams.
• Help drive new capital formation initiatives to diversify funding sources.
• Partner with Legal, Finance, and Operations on transaction structuring and execution.
• Create investor presentations, data rooms, and manage due diligence processes.
• Stay on top of market trends, investor appetite, and macro indicators that impact cost of capital.
  
  

Requirements

• 5+ years of experience in structured finance, capital markets, treasury, or a related field — ideally with exposure to warehouse financing or securitization.
• Strong understanding of asset-backed lending and structured credit products.
• Ability to build and manage models that track borrowing base, cash flows, and waterfall mechanics.
• Exceptional communication and relationship-building skills, especially with external lenders and internal cross-functional teams.
• Experience in high-growth, fast-paced fintech or lending environments is a plus.
• Comfort with ambiguity and a bias toward action.
• Local to the Bay Area - HQ in San Francisco, CA
  
  

Why PayZen?

• An opportunity to positively affect the lives of thousands of patients
• A chance to join a high-growth company at an early stage
• Contribute to the development of a product that revolutionizes medical payments in ways never seen before
• Become a key member of a collaborative, high performing team, shaping its growth and success
• Competitive pay, benefits and stock options
  
  

Compensation Range: $235K - $275K

Seniority level

• Seniority level

  Executive

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Software Development

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