Sr. Director, Capital Markets

Description

Title: Sr. Director, Capital Markets

Reports To: Chief Capital Officer

Location: Jersey City, NJ - Hybrid (On-site 3 Days/ Week)

The Company:

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

The Role:

Sunbit is seeking a highly motivated and experienced Senior Director, Capital Markets to join our growing team. This critical role will be responsible for developing and executing Sunbit's capital markets strategy, including managing existing warehouse facilities, managing and expanding the company’s forward flow loan sale programs, structuring and executing the company’s ABS strategy for both the unsecured loan and credit card products, executing growth capital funding transactions, and optimizing the company's capital structure. This highly visible role will drive the selection, management and expansion of relationships with key external partners and debt investors and lead the successful completion of corporate and portfolio-level transactions supporting Sunbit’s growth across all products (Point of Sale unsecured consumer BNPL loans and Sunbit credit cards), making this a vital role in driving the company’s financial and strategic objectives.

The ideal candidate will be a strategic thinker with strong leadership and communication skills, financial acumen, deep understanding of and experience in the relevant capital markets, and a proven track record of success in a fast-paced, high-growth environment.

This position reports into the Chief Capital Officer, and will be based in our Jersey City, NJ office, but will be required to travel to industry conferences, meetings (often in NYC) with investors, bankers and other key stakeholders, and to the LA headquarters as necessary.

Requirements

What you’ll own:

• Capital Markets Strategy: Develop and execute Sunbit's overall capital markets strategy, aligning it with the company's growth objectives and risk tolerance, including leading an ongoing and dynamic analysis of various financing options (including warehouse facilities, securitizations, private placements, forward flow whole loan sales, etc.).
• Transaction Execution: Lead the processes involving analyzing, structuring, documenting and completing funding transactions through various capital markets channels, serving as the company’s key liaison with external partners (advisors, underwriters, legal counsel, investors, etc.) and driving execution internally in partnership with colleagues across functional areas. Includes understanding, negotiating and completing legal agreements relating to structured finance transactions.
• Capital Management: Oversee the management and monitoring of existing warehouse facilities and whole loan sale programs, ensuring compliance with covenants, reporting requirements and managing utilization across funding channels to optimize borrowing costs. Monitor market conditions and identify opportunities to refinance or restructure debt.
• Securitization Programs: Lead the development and execution of securitization programs for each of the company’s unsecured loan and credit card products, including structuring transactions, working with legal and financial advisors, identifying and executing operational setup, and managing ongoing performance and reporting.
• Financial Modeling & Analysis: Develop and maintain financial models to analyze capital structure, evaluate funding options, and assess the impact of various market scenarios.
• Cross-Functional Collaboration: Work closely with other teams, including finance, accounting, legal, operations, and product, to ensure alignment on capital markets initiatives.
• Market Research & Analysis: Stay abreast of market trends, regulatory changes, and investor sentiment in the capital markets. Provide insights to senior management on potential opportunities and risks.
• Investor Relations (Debt-focused): Cultivate and maintain relationships with investors, rating agencies, and other key stakeholders in the capital markets. Develop a deep understanding of the company’s business strategy and corporate and asset-level financial performance, and work closely with existing and potential investors, including providing standard and ad-hoc analyses. Prepare investor presentations, manage due diligence processes and onboard new investors.
• Team Leadership & Mentorship: Lead, mentor, and develop a high-performing capital markets team. Foster a culture of collaboration, accountability, and continuous improvement.

What You’ll Bring:

• Bachelor's degree in Finance, Accounting, Business, Economics, or a related field. MBA or CFA preferred.
• 10+ years of progressive experience in capital markets, with a focus on structured finance with warehouse facilities, ABS issuance and investor relations.
• Strong understanding of financial modeling, valuation, and risk management.
• Proven ability to execute complex structured finance transactions and/or asset-backed securities (ABS) capital markets transactions.
• Existing relationships with investors and other key players in the debt markets is a plus.
• Excellent communication, writing, presentation, and interpersonal skills.
• Strong analytical and problem-solving skills, with the ability to think strategically and creatively.
• Advanced in MS Suite
• Ability to thrive in a fast-paced, dynamic environment.
• Highly organized, detail-oriented, and strong work ethic, with a commitment to excellence.

How We Pay:

• We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership.
• We are targeting a salary of $270,000 - $300,000 per year for this role
• This role will also be granted company equity via stock options

The Perks:

• Mission driven, empowered, and collaborative culture
• Competitive pay and stock options
• Unlimited PTO
• Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
• Newly added HSA and Pet Insurance
• 401(k) with company match
• Cell Phone Stipend
• Team-based strategic planning and ownership of deliverables

Why Choose Sunbit?

Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.

People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.

Recruitment Fraud Disclaimer

We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at hr@sunbit.com to confirm.

We ask that you contact hr@sunbit.com only about potential instances of fraud. hr@sunbit.com does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to hr@sunbit.com directly, and your email about your application will be deleted from our systems.