Head of Capital Markets

About Unlock

Unlocks mission is to unleash the power of home equity to enrich peoples lives. We do this through a financial solution called a Home Equity Agreement or HEA an entirely new way to access and utilize home equity. Were not a lender so there are no interest charges or monthly payments and homeowners with poor credit or high levels of debt can still qualify. Were beyond passionate about helping our customers build greater financial resiliency. We are mission driven consumer centric and our products are designed for the way homeowners want to live their lives today - with flexibility and control.

About Unlock

Unlocks mission is to unleash the power of home equity to enrich peoples lives. We do this through a financial solution called a Home Equity Agreement or HEA an entirely new way to access and utilize home equity. Were not a lender so there are no interest charges or monthly payments and homeowners with poor credit or high levels of debt can still qualify. Were beyond passionate about helping our customers build greater financial resiliency. We are mission driven consumer centric and our products are designed for the way homeowners want to live their lives today with flexibility and control.

About the role

The Head of Capital Markets provides strategic leadership across all facets of capital markets activities with a focus on supporting Unlocks growth through effective funding and investment strategies. This role oversees capital raising warehouse financing securitization structuring investor relations and asset management for home equity investmentsan emerging asset class within consumer finance. This position is responsible for managing and optimizing warehouse lines structuring and executing securitization transactions engaging with rating agencies and securing forward flow agreements with institutional investors. It also plays a critical role in managing capital and liquidity risk pricing strategies and ensuring effective communication and relationships with capital partners. The Head of Capital Markets serves as a key driver in scaling the financial infrastructure and long-term funding capabilities.

What youll do

• Drive all equity and debt capital raising efforts including investor sourcing marketing materials due diligence support term negotiation and investor relations.
• Structure and execute rated securitization transactions manage warehouse financing and oversee strategic capital initiatives to support asset growth.
• Build and maintain strong relationships with institutional investors rating agencies and financial partners to expand funding capacity and optimize pricing.
• Design and implement forward flow agreements and other funding solutions that align with growth objectives and capital efficiency goals.
• Shape pricing credit and underwriting strategies in collaboration with operations and finance teams to meet investor requirements and enhance portfolio performance.
• Provide strategic leadership in the development of new financial products funding structures and market expansion opportunities.
• Oversee portfolio performance and reporting.
• Maintain governance for all investor-facing documents and artifacts.
• Collaborate with legal compliance and regulatory teams to manage documentation mitigate risk and ensure adherence to evolving regulatory standards.
• Represent the company publicly through PR efforts conferences and thought leadership to strengthen company presence in the home equity and capital markets space.
• Hire coach develop and manage performance of all team members. Ensure Unlock values are adhered to and consistently demonstrated. Effectively manage budget and resources.

What were looking for

• Bachelors degree in finance economics or related field.
• 10 years in capital markets real estate finance or fintech with a focus on home equity products securitization and investor relations.
• Proven ability to raise significant capital and negotiate complex financial structures with top-tier investors.
• Strong proficiency in cashflow modeling valuation credit analysis and asset performance.
• Exceptional leadership communication and relationship-building skills with investors rating agencies and internal stakeholders.
• Deep understanding of regulatory frameworks risk management and macroeconomic trends impacting mortgage and real estate industries.
• Track record of developing innovative funding structures and driving new product growth in emerging asset classes.
• Expertise in rated securitization structuring warehouse negotiation and forward flow agreements.
• Proficiency in managing investor due diligence data rooms and marketing materials.
• Strong network of investors rating agencies and financial partners.
• PC skills including working knowledge of the Microsoft environment and the ability to access manipulate organize and relay information in a meaningful way.
• Ability to work in a high-growth dynamic environment.

Preferred Qualifications

• MBA or CFA preferred

What we offer

• A dynamic work environment with opportunities for learning and professional development
• Competitive compensation and benefits package
• Collaborative and inclusive company culture
• Flexible work arrangements and a focus on work-life balance

Target base compensation is $275000-$300000 annually. Actual base salary varies based on factors including but not limited to relevant skill prior experience education base salary of internal peers demonstrated performance and geographic location. Additionally Unlocks Total Rewards package is highly competitive designed to support your success at work at home and at play such as 401K matching health benefits employee stock options and paid time off.

Unlock is an equal opportunity employer. We evaluate qualified applicants without regards to race color religion national origin age sex marital status ancestry physical or mental disability veteran status sexual orientation gender identity or other protected status under all applicable laws regulations and ordinances.