Capital Markets Manager

The role

The Capital Markets Manager will own the day-to-day management and reporting of debt facilities. This role involves running monthly lender reporting cycles, maintaining compliance with facility covenants, and managing funding. You will work at the intersection of Capital Markets, Credit, and Finance reporting to the CFO.

What you will do

• Own the monthly and periodic reporting cycle including borrowing base certificates and compliance certificates.
• Deliver reports accurately and on time with documented review controls.
• Prepare ad hoc analyses for lenders on portfolio performance and credit trends.
• Test eligibility criteria, concentration limits, advance rates, and performance triggers.
• Track excess spread, delinquency, and loss triggers.
• Maintain a covenant calendar for reporting deadlines and notice requirements.
• Manage draws, paydowns, and the pledging of eligible receivables.
• Reconcile facility balances, interest, and fees.
• Forecast borrowing base availability and liquidity.
• Act as day-to-day contact for lenders, backup servicers, verification agents, and auditors.

Required qualifications

• 2–4 years in capital markets, structured finance, or lender finance.
• Direct experience preparing borrowing base certificates, covenant tests, and portfolio tapes for a credit facility.
• Working knowledge of warehouse or asset-based facility mechanics: eligibility, advance rates, concentration limits, and triggers.
• Advanced Excel / Google Sheets skills, including building and maintaining facility models.
• Solid grasp of GAAP financial statements and how lending activity flows through them.
• Exceptional attention to detail.
• Clear communicator, comfortable working directly with lenders and the CFO.
• Bachelor's degree in Finance, Accounting, Economics, or a related field.

Nice to have

• SQL or Python for pulling and reconciling loan-level data.
• Experience with revolving credit, receivables, or card products.
• Exposure to a facility raise or amendment from term sheet to close.
• Familiarity with credit agreements and the ability to translate legal terms into reporting logic.
• CPA, CFA (or progress toward), or MBA.
• Experience working in fintech, AI or early-stage startups

Benefits

• Competitive salary and meaningful equity
• Comprehensive health & benefits package
• Generous PTO
• $1K/year stipend to purchase our customers' products
• $100/mo wellness stipend
• Yearly offsite
• Commute covered
• $20/day lunch stipend

About the company

Highbeam is a banking and lending platform built for e-commerce and consumer packaged goods (CPG) brands. The platform combines AI agents, automated financial workflows, and integrated financial products.