Capital Markets Lead – Small Business Lending at Parafin

San Francisco, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, LendingIndustries

Requirements

3+ years of experience in capital markets, structured finance, or lending platforms (fintech, investment banking, specialty finance, or asset management)
Strong understanding of warehouse facilities, forward flow arrangements, and securitizations
Excellent quantitative and analytical skills, with demonstrated financial modeling experience
Proven ability to negotiate, structure, and close complex financing transactions
Strong communication and stakeholder management skills
Proficient in SQL
Deep interest in small business lending and enabling access to credit
Preferred Background
Experience at leading fintechs or in structured credit roles at top-tier banks or funds
Exposure to small business credit markets, with knowledge of portfolio performance dynamics
A track record of building scalable capital markets solutions in a fast-paced environment
MBA preferred

Responsibilities

Design and implement a capital markets strategy for small business lending, leveraging securitizations, warehouse facilities, and forward flow arrangements
Lead warehouse negotiations and renewals, securing structures that maximize flexibility and optimize cost of capital
Develop innovative financing solutions to expand lending capacity and diversify funding sources
Execute forward flow transactions, managing end-to-end deal processes including modeling, diligence, structuring, and closing
Partner with internal teams to align financing structures with credit, risk, and growth objectives
Build and maintain strong relationships with external capital providers and counterparties

Skills

Key technologies and capabilities for this role

SecuritizationWarehouse LinesForward FlowsUnderwritingCapital MarketsFinancing StrategyRisk ManagementCompliance

Questions & Answers

Common questions about this position

What experience is required for the Capital Markets Lead role?

Candidates need 3+ years of experience in capital markets, structured finance, or lending platforms such as fintech, investment banking, specialty finance, or asset management, along with a strong understanding of warehouse facilities, forward flow arrangements, and securitizations.

What key skills are needed for this position?

The role requires excellent quantitative and analytical skills with demonstrated financial modeling experience, as well as proven ability to negotiate, structure, and close complex financing transactions.

What is the salary or compensation for this role?

This information is not specified in the job description.

Is this a remote position or does it require office work?

This information is not specified in the job description.

What is the company culture like at Parafin?

Parafin is a tight-knit team of innovators from companies like Stripe, Square, Plaid, Coinbase, Robinhood, and CERN, all united by a passion for building tools that help small businesses succeed.

Parafin

Provides embedded financing solutions for businesses

About Parafin

Parafin provides a financing solution designed for online platforms and their merchant partners. The service allows these platforms to offer financing under their own brand, which helps them generate revenue and build loyalty with their merchants. Parafin's offerings include underwriting, funding, go-to-market strategies, servicing, compliance, and customer support. The financing is based on the sales history of the merchants, with no interest, late fees, or credit checks involved. Payments are automated and adjust according to sales, with funds available in as little as one business day. Parafin has partnered with major platforms like Amazon, MindBody, and DoorDash to facilitate quick and flexible financing for various business needs, such as opening new locations or upgrading equipment. The goal of Parafin is to support the growth of businesses by providing accessible financing options that also contribute to the revenue growth of the platforms they partner with.

San Francisco, CaliforniaHeadquarters

2020Year Founded

$184.8MTotal Funding

LATE_VCCompany Stage

Fintech, Financial ServicesIndustries

51-200Employees

Benefits

Competitive salary & equity

Health, dental, & vision

401k plan

Parental leave

Unlimited PTO

Commuter benefits

Daily lunches

Risks

Increased competition in embedded financial services could erode Parafin's market share.

Rapid technological changes may require continuous investment, straining Parafin's resources.

Economic downturns could impact demand for Parafin's services among small businesses.

Differentiation

Parafin offers a full-stack embedded financial infrastructure for small businesses.

The company partners with major platforms like Amazon and DoorDash for financing solutions.

Parafin's model includes underwriting, funding, and compliance, creating a seamless experience.

Upsides

Parafin raised $100M in Series C, boosting its valuation to $750M.

The company has grown volumes by 400% since its Series B in 2022.

Increased demand for embedded finance solutions enhances user engagement and retention.

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