Loan Operations

Company Overview

Capchase is the #1 platform for vendor financing in tech. We help software and hardware vendors offer flexible installment payments as part of the sales process, improving conversion rates and cashflow. We provide an awesome buyer experience.

Capchase was founded in 2020 and is headquartered in NYC. We’ve provided over $2.5B in funding to thousands of companies and operate in the US and Europe. We are backed by QED, 01 Advisors, Bling Capital, SciFi, Caffeinated Capital, Thomvest, Invesco and many other leading investors.

Some of our achievements:

• Supporting thousands of software companies and software buyers
• 80 Capchasers representing 15+ nationalities
• Active in 8 markets
• Top Decile Growth
• Ranked #1 across B2B BNPL
• In December 2024 we reached the top of the Installment Payment, BNPL category on G2, #1 in B2B.

Why Work With Us?

Help accelerate an industry! At Capchase, we are transforming how software and tech-enabled hardware equipment gets financed, we move and innovate fast. We’re always looking for the brightest minds to join us. We’re a diverse team of 15+ nationalities with a shared passion for helping innovative companies thrive. Join the climb with us!

About the Job

We are seeking a detail-oriented and process-driven Loan Operations Specialist to manage post-origination loan lifecycle tasks. You will ensure efficient servicing, processing, and compliance across our consumer and/or commercial loan portfolios. This role is ideal for someone with a strong understanding of fintech lending, digital platforms, and evolving U.S. regulatory requirements in 2024.

Responsibilities

• Review approved loans for accuracy, completeness, and compliance before booking.
• Ensure timely disbursement of funds via ACH, wire, or integrated payment partners.
• Handle modifications, payoffs, payment adjustments, and settlements.
• Monitor borrower accounts for delinquencies, prepayments, or changes.
• Maintain loan data in the core lending system (main platforms).
• Reconcile system data with general ledger and banking partners.
• Ensure compliance with relevant federal/state lending laws (e.g., ECOA, TILA, FDCPA, UDAAP).
• Support internal/external audits and regulatory exams.
• Liaise with customer support, credit, risk, legal, and product teams to resolve loan-related inquiries.
• Contribute to process improvements and system automation efforts.
• Supporting colleagues and leaders in large, complex transactions
• Performing all duties with a focus on client relationships and superior customer service

Requirements

• 3–6 years of experience in loan operations, loan servicing, or lending support (preferably in a fintech or digital bank).
• Familiarity with consumer and/or commercial lending products (e.g., term loans, lines of credit, SBA loans).
• Proficiency in modern loan origination/servicing systems.
• Strong understanding of 2024 regulatory environment (CFPB updates, BNPL guidelines, FDIC data requirements).
• Analytical mindset with Excel/Google Sheets proficiency; SQL knowledge is a plus.
• Excellent communication and documentation skills.
• Bachelor's degree in finance, engineering, computer science, or related discipline
• Experience with US commercial lending practices
• Ability to maintain US working hours and holiday schedule

Employment Details

• Location Type: Remote
• Employment Type: FullTime

Equal Opportunity Employer

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.