Capital Markets Associate

About Cleo

At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating.

About The Company

At Cleo, we're not just building another fintech app. We're embarking on a mission to fundamentally change humanity's relationship with money. Imagine a world where everyone, regardless of background or income, has access to a hyper-intelligent financial advisor in their pocket. That's the future we're creating. Cleo is a rare success story: a profitable, fast-growing unicorn with over $200 million in ARR and growing over 2x year-over-year.

This isn't just a job; it's a chance to join a team of brilliant, driven individuals who are passionate about making a real difference. We have an exceptionally high bar for talent, seeking individuals who are not only at the top of their field but also embody our culture of collaboration and positive impact. If you’re driven by complex challenges that push your expertise, the chance to shape something truly transformative, and the potential to share in Cleo’s success as we scale, while growing alongside a company that’s scaling fast, this might be your perfect fit.

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About The Role

We’re hiring a Capital Markets Associate to join our fast growing Debt Capital Markets team. This is a hands-on, high-responsibility role of vital importance to scaling Cleo’s credit platform. You will take a lead role in structuring and executing new capital solutions, including corporate and asset-backed debt facilities. You will manage investor relationships, support the launch of new credit products, and help Cleo expand into new geographies.

This role sits within the newly established Debt Capital Markets team, you will work for the Director of Debt Capital Markets and partner closely with multiple teams across the business including Strategic Finance, Credit, Legal, product teams and Core Finance.

Key Responsibilities

• Capital Markets Strategy and Execution:
  Take a lead role in developing Cleo’s capital allocation and funding strategy. Execute the strategy by supporting structuring, negotiation and closing of new credit facilities across Cleo’s expanding credit product suite.
• Analytics, modelling and financial analysis:
  Develop and refine performance, collateral and funding models. Partner closely with Credit and product teams to analyse new and existing credit portfolios. Support structuring of borrowing bases, performance triggers and concentration limits. Monitor covenant compliance and provide facility level forecasting, assisting in business wide forecasting.
• New Products and Geographic Expansion:
  Partner across Cleo businesses to ensure capital readiness for all new initiatives. Assist product teams in developing new credit products. Work cross functionally to launch and secure financing for new jurisdictions.
• Investor Relations: manage existing relationships and support growth of new strategic partnerships. Prepare high quality materials for lenders, equity investors and other third parties.
• Debt Facility Management, Compliance & Monitoring:
  Own the management of Cleo’s debt facilities, by building strong external and internal facing relationships. Own reporting for financial covenants, concentration limits, and facility triggers — ensuring complete accuracy, consistency, and proactive monitoring. Lead amendment requests to Lenders as required.
• Operational support:
  Assist in building scalable processes across treasury, capital management and reporting. Take a lead role in onboarding third party vendors as applicable. Own and manage relationships with third parties (collateral auditors, law firms, advisors).

What We're Looking For

• 2-6 years’ experience in structured finance, capital markets, or specialty finance at a bank, fund, Fintech, or other relevant financial services provider.
• Some background in data analytics or a desire to learn (SQL,…