Senior Manager, Capital Markets

at CHYM

CA / New York, San Francisco, New York, United States

About the Role

We’re seeking a Senior Manager to join Chime’s Strategic Finance and Capital Markets team. In this role, you’ll help develop our capital strategy and drive capital markets transactions that are foundational to Chime’s growth, including financings for our liquidity products (warehouses, securitizations, forward flow programs) and corporate debt transactions. You’ll own the day-to-day operations of these facilities - from funding and reporting to investor and lender management. You’ll also partner cross-functionally with Product, Risk, and Finance to develop deep knowledge of the operational and financial performance of Chime’s products to optimize our strategy and ensure strong execution of our capital markets transactions. This is a unique opportunity to help shape Chime’s capital markets strategy as we expand into new financing structures and expand our suite of financial products.

The base salary offered for this role and level of experience will begin at $168,570.00 and up to $238,900.00. Full-time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

This is a role based in our offices in either San Francisco, CA or in New York, NY.

In this role, you can expect to:

Develop and execute Chime’s funding strategy across new/existing products and corporate needs; design new structures and optimize existing facilities.
Lead end‑to‑end execution of warehouses, securitizations, forward‑flow programs, and corporate debt transactions from term sheet through close, coordinating internal teams and external partners (banks, underwriters, rating agencies).
Negotiate economics and legal documentation with lenders in partnership with counsel.
Manage investor/lender diligence and communications; prepare offering documents, term sheets, and investor materials; deliver ongoing performance updates.
Analyze collateral and run scenario models to inform structure, pricing, and investor discussions.
Own day‑to‑day operations, funding, and reporting for all facilities; ensure accurate servicer reporting and compliance with lender metrics/covenants.
Build and scale the infrastructure that supports transactions (systems, reporting, treasury cash‑flows, forecasting models), in partnership with Risk, Engineering, and Finance.
Partner with Treasury and Finance to forecast facility utilization, liquidity, and capital structure in support of long‑term plans; support corporate debt, M&A financing, and capital return programs.

To thrive in this role, you will have:

6+ years of relevant experience in capital markets/structured finance at an investment bank, asset manager, lender, or fintech executing warehouses, forward‑flow, and other ABS strategies.
Deep consumer credit expertise (e.g., personal loans, credit cards, EWA) and a track record analyzing loan pools and portfolio performance to inform structure and pricing.
End‑to‑end deal execution experience, including modeling, diligence, documentation review, and closing across product-financing and corporate-level financing structures
Fluency with transaction docs and ability to interpret and negotiate terms with counsel.
Advanced analytical & modeling skills: expert in Excel/Google Sheets (build scalable cash‑flow and scenario models). Preference for comfort with SQL/Looker/Snowflake.
Proven ability to synthesize insights and present to investors and senior leadership; strong writing for investor materials and IC memos.
Demonstrated experience with cross-functional partners such as Treasury, Finance, Risk, Product, and Legal; strong project management to run multiple complex workstreams in parallel.
Exceptional attention to detail and organization; comfort owning reporting, funding ops, and covenant/compliance across facilities.
High integrity, bias to action, curiosity, and comfort operating in a fast‑paced, hyper‑growth fintech.

#LI-Hybrid #LI-MM1

A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank*—on the premise that core banking services should be helpful, easy, and free. Through our user-friendly tools and intuitive platforms, we empower our members to take control of their finances and work towards their goals. Whether it's starting a savings account, purchasing a first car or home, launching a business, or pursuing higher education, we're proud to have helped millions unlock their financial potential.

We're a team of problem solvers, dreamers, and builders with one shared obsession: our members. From day one, Chimers have worked tirelessly to out-hustle and out-execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.

We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.

We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

Because if we don't—who will?

*Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

What we offer for our full-time, regular employees

🏢 Our in-office work policy is designed to keep you connected - with four days a week in the office and Fridays from home for those near one of our offices, plus team and company-wide events depending on location. Whether you’re coming in regularly or are part of our fully remote program, you’ll stay engaged with your work and teammates.**
💻 In-office perks including backup child, elder, and/or pet care, plus a subsidized commuter benefit to support your regular commute**
💰 Competitive salary based on experience**
✨ 401k match** plus great medical, dental, vision, life, and disability benefits
🏝 Generous vacation policy and company-wide Chime Days, bonus company-wide paid days off**
🫂 1% of your time off to support local community organizations of your choice
👟 Annual wellness stipend to use towards eligible wellness related expenses
👶 Up to 24 weeks of paid parental leave for birthing parents and 12 weeks of paid parental leave for non-birthing parents
👪 Access to Maven, a family planning tool, with $15k lifetime reimbursement for egg freezing, fertility treatments, adoption, and more.
🎉 In-person and virtual events to connect with your fellow Chimers—think cooking classes, guided meditations, music festivals, mixology classes, paint nights, etc., and delicious snack boxes, too!**
💚 A challenging and fulfilling opportunity to join one of the most experienced teams in FinTech and help millions unlock financial progress**

**Perks also available to Chime Interns.

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact: benefits@chime.com.

To learn more about how Chime collects and uses your personal information during the application process, please see the Chime Applicant Privacy Notice.