Senior Manager, Capital Markets

Location: New York, NY; Salt Lake City, UT; San Francisco, CA Flex is a growth-stage, NYC headquartered FinTech company that is building the payment layer for life's financial obligations, giving households one place to see, split, and pay their bills around how they live and get paid. By offering greater choice over how and when payments are made and allowing eligible on time payments to help build a positive credit history, Flex puts households back in control of their cash flow. That work brings together people with different perspectives who challenge the status quo and take ownership of solving difficult problems. For you, that means doing the best work of your career next to people who make you better, and together bringing ideas to life that make a real impact for the people we serve. About the Role The Senior Manager, Capital Markets will be a core member of the Capital Markets team, owning deal execution across warehouse facilities, securitization preparation, and lender relationship management. This is a high-autonomy role — you'll run transactions end-to-end, manage workstreams with counsel and counterparties, and bring your manager in for strategic decisions and escalations. The right candidate thrives in a fast-moving environment, communicates well with sophisticated lenders, and has the judgment to know when to move independently and when to escalate. What You'll Do Execute capital markets transactions including warehouse facility closings, amendments, upsizes, and extensions — managing legal documentation, due diligence, and closing logistics Own day-to-day lender relationships for assigned facilities: reporting packages, borrowing base certificates, compliance certificates, and periodic calls Support preparation of the securitization program, including working with rating agencies, structuring counsel, and underwriters Build and maintain transaction models, term sheet analyses, and lender comparison frameworks Partner cross-functionally with Legal, FinOps, Treasury, Product, and Risk to support deal execution and ongoing facility operations Monitor facility covenants and flag compliance issues proactively Contribute to new lender development — preparing pitch materials, term sheet responses, and due diligence packages Key Qualifications 3–5 years of experience in capital markets, structured finance, or debt funding — at an investment bank, specialty finance company, fintech lender, or asset manager Hands-on experience with warehouse facilities, ABS, or other structured credit products Experience with structured finance transactions, including technical cash flow modeling for warehouse facilities, securitizations, or similar asset-backed structures Strong legal and financial document fluency — comfortable working through credit agreements, term sheets, and intercreditor arrangements with counsel Excellent communicator, both internally and with external counterparties Highly organized and self-directed; able to manage multiple transactions simultaneously without close supervision BA/BS required; MBA or CFA a plus Compensation Flex takes a market-based approach to pay, ensuring compensation is commensurate with a candidate's experience and our internal leveling guidelines. For candidates located in our Tier 1 (NYC/Bay Area) and Tier 3 (Salt Lake City) markets, the base salary pay range for this role is below. Flex utilizes a geographic pay differential based on a cost of labor index. If you are located outside of the cities listed below, your starting pay will be adjusted to align with the market conditions of your specific geographic zone. Please speak with your recruiter for additional information regarding the specific range for your location. Tier 1 (NYC/Bay Area) $172,000 — $215,000 USD Tier 3 (Salt Lake City) $146,200 — $182,750 USD Life at Flex Building a successful company takes a diverse team of intelligent, curious, determined, empathetic, and self-aware people. Our headquarters is in New York City, with employees across the US, Australia, Canada, and South America. We’re growing quickly and deliberately, with a focus on building an inclusive culture. We value the perspectives our people bring and take pride in being an equal opportunity workplace. Offices Roles posted in New York, San Francisco, and Salt Lake City are hybrid positions with on-site expectations of 2-3 days per week in our local offices. For candidates outside of these areas, you may be eligible for our relocation assistance program. Benefits View our benefits and more at getflex.com/careers .