Senior Manager, Capital Markets

We’re seeking a Senior Manager to join Chime’s Strategic Finance and Capital Markets team. In this role, you’ll help develop our capital strategy and drive capital markets transactions that are foundational to Chime’s growth, including financings for our liquidity products (warehouses, securitizations, forward flow programs) and corporate debt transactions. You’ll own the day‑to‑day operations of these facilities – from funding and reporting to investor and lender management. You’ll also partner cross‑functionally with Product, Risk, and Finance to develop deep knowledge of the operational and financial performance of Chime’s products to optimize our strategy and ensure strong execution of our capital markets transactions. This is a unique opportunity to help shape Chime’s capital markets strategy as we expand into new financing structures and expand our suite of financial products.

The base salary offered for this role and level of experience will begin at $168,570.00 and up to $238,900.00. Full‑time employees are also eligible for a bonus, competitive equity package, and benefits. The actual base salary offered may be higher, depending on your location, skills, qualifications, and experience.

This is a role based in our offices in either San Francisco, CA or in New York, NY.

In this role, you can expect to :

• Develop and execute Chime’s funding strategy across new / existing products and corporate needs; design new structures and optimize existing facilities.
• Lead end‑to‑end execution of warehouses, securitizations, forward‑flow programs, and corporate debt transactions from term sheet through close, coordinating internal teams and external partners (banks, underwriters, rating agencies).
• Negotiate economics and legal documentation with lenders in partnership with counsel.
• Manage investor / lender diligence and communications; prepare offering documents, term sheets, and investor materials; deliver ongoing performance updates.
• Analyze collateral and run scenario models to inform structure, pricing, and investor discussions.
• Own day‑to‑day operations, funding, and reporting for all facilities; ensure accurate servicer reporting and compliance with lender metrics / covenants.
• Build and scale the infrastructure that supports transactions (systems, reporting, treasury cash‑flows, forecasting models), in partnership with Risk, Engineering, and Finance.
• Partner with Treasury and Finance to forecast facility utilization, liquidity, and capital structure in support of long‑term plans; support corporate debt, M&A financing, and capital return programs.

To thrive in this role, you will have :

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A little about us

At Chime, we believe that everyone can achieve financial progress. We created Chime—a financial technology company, not a bank

We're a team of problem solvers, dreamers, and builders with one shared obsession : our members. From day one, Chimers have worked tirelessly to out‑hustle and out‑execute competitors to bring our mission to life. Their grit and determination inspire us to work harder every day to deliver the very best experience possible. We each bring an owner's mindset to our work, refusing to be outdone and holding ourselves accountable to meet and exceed the highest bars for our teams, our company, and our members.

We believe in being bold, dreaming big, and taking risks, while also working together, embracing our diverse perspectives, and giving each other honest feedback. Our culture remains deeply entrepreneurial, encouraging every Chimer to see themselves as stewards of our mission to help everyday Americans unlock their financial progress.

We know that to achieve our mission, we must earn and keep people's trust—so we hold ourselves to the highest standards of integrity in everything we do. These aren't just words on a wall—our values are embedded in every aspect of our business, serving as a north star that guides us as we work to help millions achieve their financial potential.

Because if we don't—who will?

What we offer for our full‑time, regular employees

We know that great work can’t be done without a diverse team and inclusive environment. That’s why we specifically look for individuals of varying strengths, skills, backgrounds, and ideas to join our team. We believe this gives us a competitive advantage to better serve our members and helps us all grow as Chimers and individuals.

Chime is proud to be an Equal Opportunity Employer. We consider qualified applicants without regard to race, color, ancestry, religion, sex, national origin, sexual orientation, gender identity, age, marital or family status, disability, genetic information, veteran status, or any other legally protected basis under provincial, federal, state, and local laws, regulations, or ordinances. We will also consider qualified applicants with criminal histories in a manner consistent with the requirements of state and local laws, including the San Francisco Fair Chance Ordinance, Cook County Ordinance, NYC Fair Chance Act, and the LA City Fair Chance Ordinance, and consistent with Canadian provincial and federal laws. If you have a disability or special need that requires accommodation during any stage of the application process, please contact : benefits@chime.com.

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