Capital Markets Principal

About the role

Our Capital Markets Team is looking for a Principal to support the lending and financing activities of the Toast Capital Loan Program. This is a key role that will help us continue to grow and scale the lending business effectively. Reporting to the Senior Director of Capital Markets, you will play a pivotal role in shaping the future of the Capital Markets team, while working cross-functionally with stakeholders across the Fintech business line.

The ideal candidate will have strong analytical skills, an ability to navigate complex data driven decisions, and a keen attention to detail. This role is open to remote candidates across the US, with a preference for the East Coast (EST).

A day in the life (Responsibilities)

• Perform analysis and build financial models to help inform data-driven capital markets decisions, gathering inputs from various stakeholders
• Create and manage ongoing ABS-style reporting and audit cadences to uphold various types of financing relationships
• Establish and maintain relationships with external capital teams to ensure compliance with contractual obligations
• Help negotiate and execute on new capital commitments in the form of private credit arrangements
• Collaborate with the Risk, R&D, Strategic Finance, Accounting, Product, Legal, Compliance, and Operations teams to evaluate and address capital markets impacts of new initiatives
• Drive operational efficiencies across all capital markets functions
• Build presentations to explain complex concepts, and deliver key information to a variety of audiences

What you'll need to thrive (Requirements)

• 7+ years of professional experience, including 3+ years specifically within capital markets, corporate treasury, or investment banking
• Bachelor's Degree Finance, Economics, or a related quantitative field.
• SQL, Advanced Excel, and financial modeling skills, with the ability to build robust financial models analyze opportunities and build business cases for pursuit
• Experience building and producing reporting for warehouse facilities, securitizations, or forward-flow programs
• Strong communication skills and stakeholder management skills, with the ability to interface with both internal and external stakeholders

What will help you stand out (Nonessential Skills/Nice to Haves)

• Experience working within the Financial Technology (Fintech) or Saas space
• A background in capital markets operational support for a large-scale lending program, with exposure various financing structures
• Big data analytics skill sets, including the use of Python and other data programming languages
• Experience managing bank and investor relationships
• Ability to assess and negotiate complex legal documents