Achieve is the leader in digital personal finance, helping everyday people thrive with innovative solutions like home equity and personal loans, and debt relief. We offer personalized financial solutions, blending data, technology, and an empathetic human touch to help members reach a better financial future. Our 2,300+ teammates across hubs in California, Arizona, and Texas collaborate on our mission. Since 2002, we've fostered an inclusive environment, uniting all roles under core values: Care (For Everyone), Get Better (Every Day), Act With Integrity (Every Time), and Collaborate (With Everybody).

Since 2002, Achieve has grown into one of the largest private consumer fintech unicorns in the U.S., with over $40B in enrollments for our industry-leading, tech-enabled debt resolution services business, and over $11Bn in personal and home loans originations via our banking-as-a-service partner.

Join us and change the world together at Achieve Lending! We're undergoing a massive transformation, fueled by a bold three-year strategy to aggressively grow our lending business. Our mission is to become a digital-first, AI-enabled lending powerhouse - and, with our sister business, Achieve Debt Relief - to solidify our position as the leading platform in Consumer Liability Optimization.

This isn't just growth and transformation; it's a call to exceptional execution.

The Role

Achieve is seeking an experienced, highly analytical, and transformative leader to serve as the Head of Capital Markets. This role will own the strategic multi-year funding roadmap to support our growth at Achieve, reporting directly to the President of Achieve Lending. The ideal candidate is a distinguished talent sitting at the intersection of investor relations, structured finance, and an advanced understanding of credit risk. Your mission is to transform our Capital Markets activities into a world-class, programmatic effort that automatically aligns institutional investor demand with credit risk, origination types, and liquidity targets. You will define the performance plan for loan sales and securitization, maintaining full accountability for these outcomes.

Overview of Key Responsibilities:

1. Management of the Funding Stack

You will design and guide Achieve's funding stack as a highly diversified asset portfolio. You will intentionally optimize across four core pillars: Cost of Capital, Certainty of Takeout, Capacity, and Resilience. You will strategically architect and oversee:

• Forward Flow Agreements: Segment partners by credit boxes and product types to anchor baseline capacity, maintain continuous liquidity, and avoid counterparty over-concentration.
• Warehouse Lines: Expand and diversify a bank roster with staggered maturities and flexible structural terms (advance rates, optimal eligibility criteria, accordion features) to maximize available days of liquidity under stressed scenarios.
• Asset-Backed Securitization (ABS) Program: Maintain a highly predictable, programmatic issuance cadence across macroeconomic cycles to achieve step-down spread compression relative to peers.
• Credit Box Alignment: Partner closely with Credit Risk to ensure credit box alignment with forward flow eligibility, warehouse advance criteria, and ABS structural requirements.

In addition, you will partner with our Finance and Treasury teams to prudently manage overall corporate liquidity through our capital markets activities, ensuring a self-funded operational cushion to withstand market risk.

2. Drive the AI-Enabled Capital Allocation Engine

Partner with our technology team to transform legacy funding processes to a dynamic, automated Capital Allocation Engine.

• Systematically route everyday origination volume through algorithmic Best Execution, based on market conditions, funding costs, credit risk factors, and enterprise risk management constraints.
• Sponsor and scale advanced AI capabilities across:
  • Predictive Pricing
  • Investor Allocations
  • Risk/Prepayment Monitoring
  • Automated Deal Structuring

3. Build Improved Data & Analytics Foundation

Position Achieve as the most transparent, frictionless, and data-forward platform for institutional investors in the consumer finance industry.

• Oversee the construction of an institutional-grade unified loan data warehouse and a self-service investor reporting portal that replaces static data tapes with dynamic, granular cohort tracking.
• Extend our capabilities to model credit and stress scenarios - emulating major rating agencies’ models - to accurately pred