Capital Markets Lead – Small Business Lending

About Us:

At Parafin, we’re on a mission to grow small businesses.

Small businesses are the backbone of our economy, but traditional banks often don’t have their backs. We build tech that makes it simple for small businesses to access the financial tools they need through the platforms they already sell on. 

We partner with companies like DoorDash, Amazon, Worldpay, and Mindbody to offer fast and flexible funding, spend management, and savings tools  to their small business users via a simple integration. Parafin takes on all the complexity of capital markets, underwriting, servicing, compliance, and customer service for our partners. 

We’re a tight-knit team of innovators hailing from Stripe, Square, Plaid, Coinbase, Robinhood, CERN, and more — all united by a passion for building tools that help small businesses succeed. Parafin is backed by prominent venture capitalists including GIC, Notable Capital, Redpoint Ventures, Ribbit Capital, and Thrive Capital. Parafin is a Series C company, and we have raised more than $194M in equity and $340M in debt facilities.

Join us in creating a future where every small business has the financial tools they need.

About the Role
We are looking for a Capital Markets Lead to build and scale the capital markets function supporting our small business lending platform. This role will be at the center of our financing strategy—evaluating various financing solutions such as public and private securitizations, warehouse lines, and forward flows.

This is a high-impact position where you’ll work cross-functionally with finance, risk, and product teams, while building deep relationships with banks, investors, and financing partners. If you’re passionate about empowering small businesses through access to capital and have the technical skills to execute complex transactions, we’d love to meet you.

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.
• 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.

Qualifications

• 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.
• Salary Range: $160k to $250k
• Medical, dental & vision insurance
• Unlimited PTO & work from home flexibility

• Mba Preferred

• 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.
• Salary Range: $160k to $250k
• Medical, dental & vision insurance
• Unlimited PTO & work from home flexibility

What We Offer

• Equity Grant

• Commuter Benefits

• Free Lunches

• Paid Parental Leave

• 401(K)

• Employee Assistance Program

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please contact us.