Senior Capital Markets Analyst

🏢 Summary: Strategic leadership role responsible for building and scaling a multi-channel customer acquisition engine to drive profitable loan originations. The position owns end-to-end acquisition strategy, performance marketing, forecasting, and go-to-market initiatives while balancing aggressive growth with disciplined spend. This role combines strategic oversight with hands-on execution, leveraging data, martech, and AI to optimize CAC and unit economics. 🗂️ Requirements: 10+ years in marketing and customer acquisition, 5+ years leading marketing teams, Experience scaling consumer lending or credit products, Proven track record managing acquisition funnels, Experience with affiliate, paid digital, lead generation, direct mail, and email channels, Experience with attribution models and marketing technology platforms, Experience leading martech platform transitions (CDP, lead routing, attribution), Ability to manage large budgets tied to revenue targets, Strong data-driven and test-and-learn approach 📃 Skills: Affiliate, Digital, Email, DirectMail, LeadGeneration, Attribution, Martech, CDP, AI, Forecasting, Analytics 🏢 Description: ABOUT THE ROLE Happy Money seeks a strategic Head of Acquisition Marketing to own and scale customer acquisition capabilities, with a primary focus on driving profitable loan originations. This is a builder's role for a data-driven leader who can set strategy and has a proven track record building a coordinated, multi-channel acquisition engine and scaling it efficiently. The role balances aggressive growth with disciplined spend to optimize customer acquisition costs and anticipate market and channel shifts. You will lead a high-impact team responsible for executing and optimizing multi-channel campaigns (direct mail, digital, lead generation, and affiliate partnerships) using data, experimentation, and rigorous analysis to drive growth while achieving profitability targets. The role owns both performance marketing and brand, with near-term focus weighted toward customer acquisition. This position partners closely with Lifecycle Marketing to maximize lifetime value and lead monetization, and requires a player-coach mindset with both strategic ownership and hands-on execution. RESPONSIBILITIES - Own the end-to-end acquisition strategy and deployment, driving scalable, profitable growth for the personal loan business - Anticipate market trends, competitive dynamics, VOC and channel shifts, translating insights into durable competitive strategies - Develop and scale performance marketing strategy across multi-channel initiatives (direct mail, lead-gen email, affiliate, digital, content) while optimizing CAC and unit economics - Own forecasting, budget pacing, and performance reporting; partner with Finance on monthly forecasts and standardized reporting frameworks - Foster a rigorous test-and-learn culture grounded in experimentation and data analysis - Communicate complex tradeoffs and recommendations clearly to stakeholders across the organization - Build and lead a high-accountability team, hiring and mentoring high-performing growth marketers and leveraging internal, agency, and AI resources - Drive go-to-market, brand, and product marketing for new customer acquisition - Serve as subject-matter expert on martech, AI, attribution, and growth-driving product features - Partner with Strategy and Technology to plan and evolve the marketing engine ABOUT YOU - 10+ years of experience in marketing and customer acquisition, managing significant budgets tied to revenue targets - 5+ years leading marketing teams - Experience in consumer lending or complementary credit products, with a track record of scaling acquisition funnels - Expertise across affiliate marketplaces, paid digital, lead generation, direct mail, and email - Deep understanding of attribution models, marketing technology, and AI applications in marketing - Strong understanding of lending unit economics and performance drivers - Data-focused, analytical, and comfortable operating in complex environments - Experience leading acquisition through martech platform transitions (CDP, lead routing, attribution) BENEFITS & PERKS - Generous medical, dental, and vision insurance options - Eligible for annual bonus and long-term incentives - 401k plan with matching contribution - Generous PTO including sick leave, vacation, and volunteer time - 12 weeks paid parental leave - Company-paid short- and long-term disability and life insurance - Monthly tech stipend for remote work - Fully distributed workforce - Base salary range: $165,000–$220,000 USD

🏢 Summary: Senior Credit Analyst role focused on underwriting complex loan requests, managing loan portfolios, and supporting client growth through credit analysis and compliance oversight. The position involves coordinating the full credit lifecycle, collaborating with Relationship Bankers, and mentoring junior team members in a fast-paced banking environment. Offers competitive compensation, bonus potential, benefits, and professional development support. 🗂️ Requirements: Bachelor's degree in business, finance, or related field, 5–7 years of lending, underwriting, and/or credit experience, Advanced Excel proficiency, Experience with banking and credit software, Experience with CRM systems, Strong mathematical and analytical skills, Ability to work independently and collaboratively, Excellent written and verbal communication skills, Strong organizational and multitasking abilities, NMLS registration upon hire 📃 Skills: Excel, CRM, Microsoft, Banking, Underwriting, Credit, Finance, Lending, Analysis, NMLS 🏢 Description: AVP, Senior Credit Analyst Salary: $77,000 - $108,000/YR *Actual offer will be based on experience, location, education, and/or skills* Applications should be submitted for consideration no later 07/31/2026. Who We're Looking For You're an experienced credit professional with a strong foundation in underwriting, portfolio management, and client servicing. You work efficiently in a fast-paced environment, maintain high standards of credit quality, and support revenue generation through sound analysis and process execution. You bring structure to complex loan requests, mentor junior team members, and uphold compliance across all stages of the credit lifecycle. If you're detail-oriented, disciplined, and skilled at managing both relationships and risk—this role is for you. About the Role The AVP, Senior Credit Analyst supports the Profit Center (PC) by identifying key revenue-generating opportunities across loans, deposits, and investment assets. The role contributes to client growth and retention through accurate underwriting, portfolio oversight, and coordination of the full credit process. Responsibilities include evaluating new loan requests, managing renewals, and ensuring compliance with pricing, credit, and documentation standards. This position plays a critical role in maintaining the health of the loan portfolio—tracking exceptions, covenant requirements, and past dues while supporting Relationship Bankers in delivering complete financial solutions. Success in this role requires strong analytical skills, independent execution, and the ability to operate efficiently in a fast-paced, evolving environment. What You'll Do - Underwrite and analyze complex loan requests, renewals, and modifications, ensuring credit quality, sound structure, and alignment with client needs. - Coordinate all stages of the credit process—from client outreach and document collection to loan application, approval, closing, and onboarding. - Maintain the loan portfolio through proactive administration, including tracking past dues, maturing loans, covenants, exceptions, and annual reviews. - Support cross-selling efforts by identifying new lending opportunities for existing clients and introducing additional bank products. - Collaborate with Relationship Bankers and internal teams to support new business development for both existing and prospective clients. - Provide training and guidance to Credit Analysts and Loan Associates, while ensuring compliance with internal policies and regulatory requirements. What You Bring - Bachelor's degree in business, finance, or a related field - 5–7 years of lending, underwriting, and/or credit experience - Proficiency in Microsoft Office Suite, with advanced Excel skills - Experience with banking and credit software - Experience with CRM systems - Strong mathematical and analytical skills - High initiative and follow-through - Ability to work independently and with a team - Excellent written and verbal communication skills - Strong organizational skills with the ability to prioritize and multi-task - Self-starter with the ability to collaborate across teams and with clients - NMLS registration upon hire What We Offer - Competitive base salary: $77,000 - $108,000/YR, plus strong bonus potential. - 401(k) plan with employer match. - Paid parking and transportation benefits. - Comprehensive health and wellness benefits, including: - Health savings accounts (HSA) - Flexible spending accounts (FSA) - Medical, dental, and vision coverage - Generous paid time off and bank holidays. - Access to training and professional development programs. - Sponsorship and support for obtaining professional certifications. - A culture of collaboration, continuous improvement, and shared success. Equal Opportunity Employer First Western Trust is proud to be an Equal Opportunity Employer. We are committed to creating a diverse, inclusive, and respectful workplace where every team member is valued and given the opportunity to thrive. We welcome applicants of all backgrounds and experiences and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected status.

🏢 Summary: Software Engineer role focused on building and scaling backend systems, capital partner integrations, and testing infrastructure for funding automation services. The position involves delivering technical solutions, improving engineering standards, and ensuring reliability and availability of critical systems. The engineer collaborates cross-functionally to design extensible architectures and ship high-quality web applications. 🗂️ Requirements: 4+ years of software engineering experience, Experience designing, developing, and launching backend systems at scale, Experience building web applications with declarative UI frameworks, Experience defining technical plans for significant features or system components, Proficiency working in large codebases and making significant changes safely, Ability to ensure system reliability, monitoring, and operational support, Strong written and verbal technical communication skills 📃 Skills: Python, React, Vue, AWS, MySQL, Kubernetes, Spark 🏢 Description: Our customer's company is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Deal Reporting team is responsible for building our critical capital partner integrations, as well as services to automate funding processes safely and reliably. We are looking for a highly motivated Software Engineer to help with our effort on building integrations, services, and testing infrastructure. Responsibilities: You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery. You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs. You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them. You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts. You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. You will help develop talent on your team by providing feedback and guidance and leading by example. Requirements: You have a total of 4+ years of experience as a software engineer. You are experienced in designing, developing, and launching backend systems at scale technologies like React, Python, AWS, MySQL, and Kubernetes. You have experience shipping web apps using declarative UI frameworks like React or Vue. Familiarity with Spark is a plus. You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple, and extensible design. You write high-quality code that is easily understood and used by others. You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely. Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders. You have strong verbal and written communication skills that support effective collaboration with our global engineering team.

🏢 Summary: The offer is for a Fraud Analyst role focused on investigating and resolving fraud cases across credit card, lending, and investor products within a fintech environment. The position involves analyzing suspicious activities, using AI-driven fraud detection tools, engaging with customers, and ensuring regulatory compliance. The role also contributes to improving fraud controls, policies, and detection strategies. 🗂️ Requirements: High School diploma or GED, 1+ year experience in financial services, Knowledge of fraud detection systems (LexisNexis, Emailage, ThreatMetrix, Sentilink), Basic understanding of AI-driven fraud detection and Machine Learning model scores, Familiarity with credit card and lending regulations (Fair Lending, FCRA), Advanced experience reviewing documents for authenticity, Strong analytical and critical thinking skills, Ability to work independently with limited supervision 📃 Skills: LexisNexis, Emailage, ThreatMetrix, Sentilink, AI, MachineLearning, KYC, FraudDetection, RiskAnalysis, Compliance 🏢 Description: Your role in our mission Prosper is seeking smart, energetic professionals to join our Fraud Team. We are rapidly growing our business and are seeking an individual to help build a best-in-class fraud process. Must be extremely detail oriented. How you’ll make an impact Review and analyze fraud cases across multiple products, including credit cards, lending and investor products. Conduct detailed investigation and analysis of collected information from multiple sources (i.e. database records, KYC documentation, external search engines and open-source websites) to determine level of risk associated with suspicious transactions, applications, and account activity. Engage with customers via phone and/or email to verify application details and/or review transaction activity for accuracy and legitimacy. Make critical decisions on case resolution and actions, including account closure, and/or law enforcement engagement recommendations. Identify patterns and trends in fraudulent activity to develop actionable insights and recommend preventive measures. Monitor and utilize AI fraud detection tools, machine learning model scores, and alert systems to detect potential fraud in real-time. Work closely with internal teams, including risk management, operations, compliance, and customer service, to resolve fraud cases efficiently. Communicate investigation findings and outcomes clearly and concisely to relevant parties, including senior management. Maintain detailed records of investigations, findings, and resolutions in compliance with regulatory and internal standards. Ensure all investigations comply with applicable laws, regulations, and internal standards, including Fair Lending and Fair Credit Reporting Acts. Ensure compliance with industry regulations and company policies when handling information. Support leadership for audit and compliance reviews by providing detailed documentation and insights into fraud cases and trends as needed. Contribute to the development and enhancement of fraud policies and procedures for credit card, lending and investor products. Participate in monthly reviews of fraud controls, processes, and systems to identify gaps and areas for improvement. Stay informed and aware of emerging fraud schemes, industry best practices, and regulatory requirements to strengthen fraud investigation measures. Test and provide feedback on fraud detection strategies to enhance their effectiveness. Proactively learn and adopt AI-enhanced tools to streamline manual reviews and improve accuracy of fraud trend identification. Skills that will help you thrive Strong attention to detail and critical thinking to drive judgement based problem-solving through analytical thinking. Knowledge of fraud detection systems and tools, such as LexisNexis, Emailage, ThreatMetrix, Sentilink. Basic understanding of AI-driven fraud detection and a strong interest in utilizing Machine Learning model scores to prioritize investigation workflows. Familiarity with credit card and lending industry regulations and practices. Excellent communication skills to include verbal and written documentation of customer interactions and investigation findings. Able to work independently with limited supervision in a professional, proactive, and solution-oriented manner to support business objectives. Positive and able to thrive in a dynamic and fast-paced hybrid environment. Advanced experience reviewing documents for authenticity. Detail-oriented with a focus on accuracy and thoroughness in investigations. 1+ years’ experience in financial services industry. 1+ years’ experience as fraud analyst or investigator is a plus. Must have High School diploma or GED. Resources to help you prosper A connected experience: We prioritize high-touch collaboration and flexibility. Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote team member, we provide the digital-first tools and intentional culture to keep you synced and supported. Invested in your future: A competitive salary and a 401(k) with a 5% company match to help you build long-term financial security. Holistic well-being: We provide the resources you need to thrive, from flexible time off and paid parental leave to an annual wellness allowance and comprehensive health coverage. Professional & personal growth: Take advantage of a suite of premium perks, including Udemy access, childcare assistance, pet insurance, and additional savings through Beneplace.

🏢 Summary: Staff Software Engineer role focused on designing and scaling backend systems that power capital partner integrations and automated funding processes for loans. The position involves setting technical strategy, building distributed systems, and ensuring high availability and operational excellence. The engineer will lead architecture, integrations, and testing infrastructure for critical financial reporting services. 🗂️ Requirements: 7+ years backend development experience, Experience designing and launching scalable distributed systems, Proficiency in Python or Kotlin, Hands-on experience with AWS, Experience with MySQL, Experience with Kubernetes, Strong knowledge of Spark, Experience delivering large system components or major features, Ability to define technical strategy and execution plans, Experience with monitoring, alerting, and operational processes 📃 Skills: Python, Kotlin, AWS, MySQL, Kubernetes, Spark, Airflow, Temporal, DistributedSystems, Backend, Monitoring, Testing 🏢 Description: Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest. The Deal Reporting team is responsible for building our critical capital partner integrations, as well as services to automate funding processes safely and reliably. We partner with Product and Capitals Markets teams to understand and implement complex financial structures, integrations and reporting. We are looking for a highly motivated Staff Software Engineer to help empower Deal Reporting's first international team, and build integrations, services, and testing infrastructure to power the funding of every Affirm loan. What You'll Do: · You will be responsible for setting technical strategy for your team on a year-long time scale, and help your team tie it together with critical, business-impacting projects. · You will collaborate across teams in the product development lifecycle by collaborating with product management, design & analytics to ensure technical sustainability, risks and trade-offs are well understood and managed. · You will act as a force-multiplier for your team through your definition and advocacy of technical solutions and operational processes. · You take ownership of your team’s operations and availability by ensuring you have the right monitoring, triage rotations, playbooks, polcities, testing and alerting in place to support “keep the lights on” & on-call efforts. · You will foster a culture of quality and ownership on your team by setting code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks. · You will help develop talent on your team by providing feedback and guidance, and leading by example. What We Look For: · You have 7+ years of experience designing, developing and launching backend systems at scale using languages like Python or Kotlin. · You have an extensive track record of developing highly available distributed systems using technologies like AWS, MySQL, and Kubernetes. · Knowledge of Spark and it’s inner workings is a must. · Knowledge on task orchestration systems like Airflow or Temporal is a good to have. · You have experience delivering major features, system components or deprecating existing functionality in a system through the definition of a technical and execution plan. You write high quality code that is easily understood and used by others. · You thrive in ambiguity, and are comfortable moving from low level language idioms all the way to the architecture of large systems to understand how they work. · Your growth and impact trajectory demonstrates that you have mastered gathering and iterating on feedback from your engineering and cross-functional peers. · You have strong verbal and written communication skills that support effective collaboration with our global engineering team. Compensation & Benefits Base Pay Grade - P Equity Grade - Poland 5 Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills. Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents). In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company). POL base pay range per year: 358,000 zł - 458,000 zł Additional benefits include: Type of employment: Contract of Employment Flexible Spending Wallets for tech, food and lifestyle Away Days - wellness days to take off work and recharge Learning & Development programs Parental benefits Employee Resource & Community Groups This role is eligible for creative tax benefits, subject to applicable law and company policy. This job description is not a contractual document, and is not intended to have binding force. Location - Remote Poland The majority of our roles can be located anywhere in Poland.