Capital Markets Manager (hybrid)

Harley-Davidson Financial Services, a wholly-owned subsidiary of Harley-Davidson, provides financial products and services to motorcycle enthusiasts and dealerships. The Capital Markets Manager supports capital markets strategy through funding economics, investor partnerships, portfolio profitability, consumer pricing, structured finance analytics, and executive decision support.

Responsibilities:

• Develop pricing analyses and recommendations supporting forward-flow transactions, institutional investor negotiations, and strategic funding decisions
• Evaluate investor return requirements, funding costs, and transaction structures, and market conditions to optimize asset sale economics
• Assess the impact of interest rate movements, capital markets conditions, and portfolio performance on investor pricing and funding strategies
• Identify opportunities to improve profitability, execution, and scalability of funding programs and institutional partnerships
• Evaluate new investor relationships, funding structures, and capital markets opportunities
• Analyze consumer pricing competitiveness and profitability
• Quantify financial impacts of APR and promotional pricing changes
• Assess profitability trade-offs across volume, margin, and risk objectives
• Provide data-driven recommendations supporting pricing governance and strategic pricing decisions
• Translate capital markets economics into consumer pricing strategies
• Develop and enhance portfolio cash flow, profitability, and performance models
• Analyze key portfolio performance drivers, including credit losses, recoveries, prepayments, yield, and portfolio mix
• Conduct scenario and sensitivity analyses to evaluate the impact of economic, interest rate, and performance assumptions
• Monitor transaction performance, investor reporting metrics, eligibility, concentration limits, and covenant compliance
• Identify emerging portfolio trends, risks, and opportunities impacting portfolio performance and profitability
• Support transaction structuring and ongoing performance evaluation through data-driven analyses
• Develop and present analyses and recommendations supporting strategic capital markets, funding, and pricing decisions
• Prepare executive and investor materials that communicate portfolio performance, transaction economics, and strategic opportunities
• Support board, executive, and investor discussions through data-driven insights
• Influence strategic decision-making through clear communication of complex analytical findings
• Partner with Treasury, Finance, Risk, Operations, Accounting, Legal, Strategy, and institutional investors
• Lead analytical workstreams supporting strategic initiatives, leveraging known industry software and pricing tools
• Improve reporting automation and modeling capabilities
• Serve as subject matter expert on portfolio economics and capital markets analytics

Requirements:

• Bachelor's Degree Required
• 5-8+ years of experience in structured finance, capital markets, treasury, institutional portfolio management, consumer lending, or related financial services disciplines
• 5+ years of experience providing strong financial modeling and analytical skills, including experience evaluating funding economics, portfolio performance, and pricing strategies
• Experience analyzing loan portfolios, funding structures, forward-flow transactions, warehouse facilities, or asset-backed financing transactions
• Demonstrated ability to work independently, anticipate business needs, and drive analytical initiatives
• Proven track record translating complex financial data into actionable business decisions for senior leadership
• Strong communication and presentation skills
• Experience influencing executive-level decisions through actionable analytical insights and recommendations
• Proficiency in handling large datasets and conducting ad-hoc analysis
• Knowledge of consumer lending economics, interest rate risk, portfolio performance metrics, and structured finance concepts
• Travel: 10%-25%
• Applicants must be currently authorized to work in the United States
• This position is not eligible for visa sponsorship or visa transfer
• This position is not eligible for relocation assistance
• MBA, CFA, or advanced degree preferred
• Preferred location: Dallas, TX