OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through best-in-class customer service, transparency, responsible lending, and financial inclusion, we support consumers, who are turned away by mainstream options, to build better financial health.

We are a team of caring, innovative, and inclusive individuals who thrive in being immersed in diverse talents, expertise, perspectives, and backgrounds. Our employees approach every new challenge with an unparalleled ability to see what could be rather than settle for what is. Our business principles guide us and create an open and collaborative culture where we improve 1% every day, and the best ideas always win! We welcome individuals who want to make an impact in the financial system by facilitating credit access, expanding financial inclusion, promoting financial health, and delivering exceptional customer service.

A few other fun facts about us. OppFi is one of the top consumer-rated financial platforms online, maintaining a 4.5/5.0-star rating on Trustpilot. We are a 2023 Crain’s Fast 50™ company and were named on Built In's 2024 Best Places to Work in Chicago.

What you get to do:

The Capital Markets Senior Associate is an essential member of the Finance team to support our management of liquidity and working capital. Given that cash is our "inventory," you will help lead the long-term financial trajectory of the firm. You will focus on other essential functions, including covenant compliance reporting for our best in class lending partners, modeling cash flow projections under several capital structure scenarios, and funding allocation optimization.

Key Responsibilities:

• Develop financial models for liquidity and cash flow management.
• Analyze cash capacity and guide the strategy for loan originations.
• Partner with senior management in leading our capital market strategy.
• Responsible for relationship management with our lenders.
• Evaluate criteria for new deals with lenders and be able to provide counter proposals.
• Monitor and own covenant forecasting and related communication to upper management.
• Plan short-term and long -term liquidity. Make decisions and suggestions to management surrounding cash and debt management.
• Work with various teams to develop/build reporting related to new deals.
• Present business updates to capital markets counterparts externally.
• Prepare investor, Board and management presentations.
• Prepare borrowing bases/monthly servicing reports.
• Automate/improve manual processes.
• Develop internal dashboards to track performance metrics.
• Assist in project management for corporate development transactions.

What you will bring to the team:

• Minimum 3+ years of work experience, with a strong preference for a role focused on finance, data analysis, and operations
• Advanced Excel - Pivot Tables/VLookups, experience working with large datasets. There will be a timed test.
• BA/BS in Finance, Economics, Mathematics, or other quantitative degree
• Familiarity with accounting/forecasting concepts
• Great organizational skills/ability to keep up with multiple deadlines
• Detail-oriented with a critical degree of accuracy regarding data entry and analysis
• Ability to clearly communicate and organize analysis to present to senior management
• Adaptability to changes and ability to work in a fast-paced, high growth environment
• A natural curiosity to think critically, to ask questions, and to evolve our business
• A team-oriented mentality and a positive attitude

Bonus points:

• Experience with ABS, securitization, asset-based lending, debt capital markets a plus
• Experience with SQL/any other programming language a plus
• Experience with prior fintech or specialty finance experience a plus

Reports to: Manager, Capital Markets

Job Level: Senior Associate

Total Rewards and Benefits

The starting base salary for this position is $85,600/year. Actual compensation may vary from posted base salary depending on the candidate’s job-related skills and experience. The total compensation package includes eligibility for performance-based bonuses as well as a 1-time equity grant based on level.

The actual offer, reflecting the total compensation package and benefits, will be at the company’s sole discretion and determined by a myriad of factors including, but not limited to, years of experience, depth of experience, and other relevant business considerations.

OppFi offers a flexible remote environment, 401(k) matching program, and generous paid time off. Other benefits include medical plans, dental and vision coverage, and tuition reimbursement. To support wellness, growth, and legal support, we provide additional benefits, including DoorDash DashPass, Figo pet insurance, Rocket Lawyer, and access to LinkedIn Learning. We also offer Fringe, which is a lifestyle benefits platform that lets you decide how to spend your rewards from dozens of vendors like Uber, DoorDash, and UrbanSitter. #LI-Remote

EEOC Statement:

OppFi is an equal opportunity employer and does not discriminate based on any actual or perceived legally recognized protected bases under local, state, or federal law or regulations. Our goal as a company is to build an equitable workplace that actively works to dismantle systems of oppression in our processes, procedures, and interactions. We aim to help our employees thrive where they work and beyond. Check out our Culture page here.

OppFi is committed to the full inclusion of all qualified individuals. As part of this commitment, OppFi will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact our People team at recruiting@oppfi.com.

Pursuant to the requirements of the California Consumer Privacy Act, OppFi is providing the "OppFi California Employee Privacy Policy", which details the categories of personal information collected and your rights under the policy. If you are a California resident, please review the policy here: https://www.oppfi.com/careers/