Sr. Manager, Capital Markets & Treasury (R14350)

Oportun is seeking a Senior Manager, Capital Markets & Treasury to support its funding strategy, liquidity management, and capital planning. The role manages financing transactions and facilities, develops cash forecasts and liquidity models, and partners with internal teams and external financing stakeholders to strengthen funding and reporting.

Responsibilities:

• You’ll support the execution and ongoing management of asset-backed securitizations, warehouse facilities, whole loan sales, and other financing transactions
• You’ll manage borrowing base calculations, collateral eligibility, concentration limits, lender reporting, and covenant compliance across funding facilities
• You’ll support whole loan sale programs, including investor relationships, transaction execution, due diligence, and contract negotiations
• You’ll develop and maintain corporate cash forecasts, liquidity models, and short- and long-term funding plans
• You’ll integrate data from financial systems and business forecasts to improve visibility into sources and uses of cash
• You’ll perform cash flow modeling, portfolio analysis, funding cost evaluations, scenario analysis, and liquidity stress testing
• You’ll monitor liquidity and help optimize cash management, funding mix, and capital efficiency
• You’ll support interest rate risk management and hedging activities in partnership with internal and external stakeholders
• You’ll coordinate with lenders, investors, rating agencies, trustees, legal counsel, banks, and internal teams to support financing activities and ongoing facility management
• You’ll identify emerging funding, liquidity, and capital risks and communicate recommendations to senior leadership
• You’ll improve financial models, automate recurring reporting, and strengthen controls, documentation, and operational processes
• You’ll help evaluate and implement tools or processes that improve Treasury and Capital Markets efficiency, transparency, and scalability
• You’ll bring ideas for how we can strengthen funding strategy, liquidity planning, and capital management across the organization
• You’ll look for practical ways to use AI and automation to improve forecasting, analysis, reporting, documentation, and decision-making

Requirements:

• You're an analytical and commercially minded finance professional who understands how funding, liquidity, capital, and portfolio performance connect to broader business strategy
• You're comfortable working through complex transactions, detailed models, and tight deadlines while maintaining a clear view of the bigger picture
• You communicate clearly with senior leaders and external partners, take ownership of outcomes, and know how to move work forward across multiple stakeholders
• You're detail-oriented without losing sight of business impact, and you consistently look for ways to improve processes, controls, and decision-making
• 6+ years of experience in capital markets, treasury, structured finance, investment banking, corporate finance, or a related financial services field
• Experience with securitizations, warehouse financing, whole loan sales, liquidity management, or other structured funding activities
• Strong financial modeling, cash flow forecasting, and analytical skills
• Experience managing borrowing bases, covenant compliance, collateral eligibility, or lender reporting
• Strong understanding of liquidity management, funding structures, capital planning, and financing economics
• Experience working with large datasets and translating financial information into clear business insights
• Advanced Excel skills and strong presentation capabilities
• Strong written and verbal communication skills, including experience working with senior leaders and external financing partners
• Strong organizational and project management skills with the ability to manage multiple priorities independently
• Strong problem-solving skills and attention to detail in a fast-paced environment
• Experience in consumer lending, fintech, banking, specialty finance, or another asset-backed lending environment
• Experience with asset-backed securitizations or structured finance transactions
• Experience managing whole loan sale programs or investor relationships
• Experience with interest rate hedging, liquidity stress testing, or cash-management optimization
• Experience with SQL, Python, or similar tools for financial analysis, automation, or data querying
• Experience working with rating agencies, trustees, banks, or institutional investors
• Bachelor's degree in Finance, Accounting, Economics, Business, or a related field
• MBA, CFA, CPA, or other relevant advanced credential
• Experience using AI-enabled tools to improve analysis, forecasting, reporting, or productivity