Senior Capital Markets Associate, Americas

Tilt Finance • São Paulo, São Paulo, Brazil

Há 4 dias

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Join the Tilt team

At Tilt we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond credit scores using over 250 real-time financial signals to recognize real potential. With millions of customers worldwide were not just changing how people access financial products were creating a new credit system that backs the working whatever theyre working toward.

The Opportunity: Senior Capital Markets Associate Americas

Tilt is hiring a Senior Capital Markets Associate to own and scale our funding strategy across the Americas Brazil Mexico and the United States. This is a high-visibility high-impact role that sits at the intersection of strategy structured finance and treasury operations.

Based in São Paulo you will serve as Tilts primary capital markets presence in the Americas. Youll build and manage the institutional relationships that fund our loan origination growth structure facilities suited to each local market and own the treasury function that keeps day-to-day liquidity running smoothly from cash forecasting and FX management to funding draws paydowns and bank operations. This role reports to Tilts Head of Capital Markets.

How Youll Make an Impact

Own Americas Funding Strategy

Develop and execute Tilts end-to-end capital markets strategy for Brazil Mexico and the U.S. ensuring sufficient and cost-efficient funding to support loan origination growth across all three markets
Structure negotiate and close debt facilities including FIDCs warehouse lines forward flow agreements debentures and other secured financing vehicles with banks credit funds and institutional investors
Maintain a robust pipeline of lender relationships from local Brazilian banks (Itaú Bradesco BTG Nubank) and LatAm development finance institutions to U.S. and global credit funds
Design the right funding vehicle for each market accounting for local regulations currency dynamics tax structure and investor appetite

Lead Investor Relations & Market Development

Serve as the face of Tilt to capital markets counterparties across the Americas building trust credibility and long-term partnerships
Prepare and present credit decks portfolio performance data and investor materials that communicate Tilts risk model and growth trajectory with clarity
Track market conditions and benchmark Tilts cost of capital; proactively identify opportunities to diversify or optimize the funding mix
Represent Tilt at industry conferences and investor events in the region

Manage Treasury & Liquidity

Own day-to-day cash and liquidity management for the Americas region including cash flow forecasting liquidity buffers and working capital optimization
Manage funding draws and paydowns across active debt facilities ensuring timely execution and accurate reconciliation against facility borrowing bases
Oversee FX exposure management across BRL MXN and USD including hedging strategies where appropriate
Maintain and deepen banking relationships across the region managing operating accounts payment rails and bank service agreements
Build and maintain treasury reporting including daily liquidity dashboards and variance analysis against forecast
Establish and enforce treasury controls and operational procedures as Tilt scales its Americas footprint

Drive Cross-Functional Partnership

Work closely with Credit Data Science Legal and Finance teams to structure facilities aligned with portfolio performance and risk appetite
Partner with regional GMs in Brazil and Mexico to translate local origination plans into funding requirements
Collaborate with Tilts global Capital Markets team to ensure consistency of approach and leverage shared infrastructure

Why Youre a Great Fit

5 years of capital markets structured finance or investment banking experience with significant exposure to consumer lending or fintech
Deep expertise in Brazilian capital markets including hands-on experience structuring and closing FIDC transactions and other Brazilian securitization vehicles
Proven track record of managing institutional investor relationships and leading the end-to-end execution of debt facilities
Hands-on treasury experience including cash flow forecasting funding operations (draws/paydowns) and FX management in a multi-currency environment
Strong quantitative foundation comfortable modeling portfolio economics understanding loss curves and speaking the language of credit investors
Executive presence and communication skills able to build relationships with institutional counterparties and present complex structures to leadership
Fluency in Portuguese and English is required; Spanish is a plus
Preference for candidates based in São Paulo with willingness to travel as required

Dont meet every qualification We care about potential over your past. If youre bringing ambition and drive to what were building we want to hear from you.

What youll get at Tilt

Virtual-first teamwork: The Tilt team is collaborating across 14 countries 12 time zones and counting. Youll get started with a WFH office reimbursement.
Competitive pay: Were big on potential and its reflected in our competitive compensation packages and generous equity.
Complete support: Find flexible health plans at every premium level and substantial subsidies that stand up to global standards.
Visibility is yours: You can count on direct exposure to our leadership team were a team where good ideas travel quickly.
Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (Weve visited Vail San Diego and Mexico City to name a few.)
Impact is recognized: Growth opportunities follow your contributions not rigid promotion timelines.

The Tilt Way

Were looking for people who chase excellence and impact. Those who stand behind their work celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable brilliant jerks need not apply. Were in this together working to expand access to fair credit and prove that people are incredible. When you join us its not just another day at the virtual office youre helping millions of hardworking people reach better financial futures.

Youre pushing ahead in your career We can get behind that. Join us in building the credit system that people deserve.

Required Experience:

Senior IC