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FinTech, Financial Services, Automotive

Capital Markets Associate

New York, NYHybridFull Time$130,000–$160,000 /yrPosted 23 days ago

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Required skills

  • Capital Markets
  • Warehouse Financing
  • Asset Backed Securitizations
  • Loan Sale Programs
  • Financial Modeling
  • SQL
  • Excel
  • Quantitative Analysis
  • Relationship Management
  • Financial Reporting

Nice to have

  • Python
  • Investment Banking
  • Consulting
  • Corporate Finance
  • Fintech
  • Financial Services

Role summary

Octane is seeking a Capital Markets Associate for its NYC-based team. Reporting to the VP of Capital Markets, this role involves maintaining existing capital partner relationships and assisting in developing new ones. Key responsibilities include streamlining financial reporting, conducting daily analyses, and troubleshooting issues. The associate will be heavily involved in structuring, executing, and managing warehouse financing facilities and asset-backed securitizations, as well as supporting loan sale and forward flow programs. Building and maintaining financial models to evaluate funding costs and capital efficiency is crucial. The role requires strong analytical skills, proficiency in Excel and SQL, and the ability to collaborate across departments. A Bachelor's degree in Finance, Economics, Data Analytics, or a related quantitative field, with 3-5 years of relevant experience, is required. Python proficiency is a plus.

Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value.

Octane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.

Founded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co.

Octane is hiring a Capital Markets Associate to join our NYC based team. You will be reporting into the VP of Capital Markets and working closely with the rest of our team, including the CFO, to maintain our existing capital partner relationships and assist in forging new ones. You will be heavily involved in streamlining financial reporting, including simplifying data integration, conducting daily analyses, and troubleshooting issues as they arise. You should be hyper collaborative, open to challenge, and have the ability to work across the organization with people in finance, engineering, credit, and operations.

This position is hybrid 4 days a week in our NYC office.

Responsibilities:

  • Assist in the structuring, execution, and ongoing management of warehouse financing facilities, including borrowing base analysis, covenant compliance, collateral eligibility, lender reporting, and amendments or renewals.
  • Support asset backed securitizations across the deal lifecycle, including transaction structuring, collateral analysis, cash flow modeling, rating agency processes, investor diligence, legal documentation, and settlement.
  • Support the execution and ongoing management of loan sale and forward flow programs, overseeing pricing analysis, collateral selection, purchase mechanics, investor reporting, and performance monitoring.
  • Build and maintain financial models to evaluate funding costs, advance rates, excess spread, cash flows, returns, liquidity, and capital efficiency across existing and prospective financing alternatives.
  • Assist in evaluating and onboarding new financing partners, including banks, insurance companies, asset managers, and private credit funds, while driving ongoing relationship management and fundraise execution.
  • Analyze originations, credit characteristics, delinquencies, losses, and prepayments to track collateral performance, fulfilling ongoing lender, investor, and rating agency diligence requests.
  • Partner directly with Finance, Credit, Accounting, Legal, Engineering, and Data teams to align portfolio management initiatives and inform strategic capital markets decision making.
  • Leverage AI and automation tools to optimize financial modeling, data integrity, reporting, and diligence workflows, continuously improving the scalability of Octane's capital markets infrastructure.

    • Requirements:

  • Bachelor’s degree in Finance, Economics, Data Analytics, or a related quantitative field; an advanced degree (e.g., Master’s or MBA) is a plus.
  • 3–5 years of professional experience, ideally in investment banking, capital markets, fintech, financial services, consulting, or corporate finance.
  • Advanced mastery of Excel, strong SQL skills for querying large and disparate datasets, and proven experience constructing data-driven financial reports. Python proficiency is a plus.
  • Exceptional critical thinking capabilities and quantitative rigor, with a sharp attention to detail in complex data analysis.
  • Ability to operate independently with high ownership while collaborating effectively in a fast-paced team environment.
  • Excellent verbal and written communication skills, with the ability to distill complex financial and data insights for diverse cross-functional audiences.
  • Strong organizational agility and time-management skills, with a track record of balancing multiple competing priorities and delivering high-quality work across functional teams.

    • Compensation: In addition to salary, Total Rewards include a stock option package, and benefits as outlined below. The role described above offers a base salary of $130,000 to $160,000. Your offer will be based on location, the alignment of your qualifications with the requirements of the job and internal equity.

    Benefits:

  • Robust Health Care Plans (Medical, Dental & Vision)
  • Generous Parental Leave
  • Flexible Time Off (FTO) Policy - Time Off When You Need It
  • Retirement Plan (401k) with company match!
  • Educational Assistance/Tuition Reimbursement up to $3K/year
  • Life Insurance (Basic, Voluntary & AD&D)
  • Short Term / Long Term Disability
  • Robust Ancillary benefits including accident insurance, hospital insurance, etc
  • Wellhub (Gympass) Wellness Benefit
  • Recreational Safety Benefit

    • Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

    Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.

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