About Column
For companies building financial technology and transforming the financial services space, the biggest bottleneck to their growth and innovation is often the underlying banks and infrastructure stack they rely on. We have spent our careers founding and scaling companies like Plaid, Square, SoFi, Blend, and Affirm, and have seen this problem firsthand — builders and developers needing to partner with traditional banks, and creating API and abstraction layers over the patchwork that is the bank, its core, and many other vendors. All of this results in a complex (and often expensive) banking supply chain involving a user, fintech, BaaS middleware provider, bank, core and the Federal Reserve.
At Column, we set out to simplify and fix this. We are a bank and a software company built from the ground up, offering builders and developers technology-forward banking solutions that cut out the hundreds of vendors, middleware providers, and abstraction layers. This means a safer, more transparent, and less costly banking supply chain. Come build with us!
The opportunity
Column is seeking an experienced credit professional to join as the second employee on the next major business line we’re investing in. This role will build a high-quality credit portfolio without all of the red tape and manual processes of legacy financial institutions. This is a unique opportunity to be mentored directly by an excellent fintech credit executive who’s been in fintech credit since the beginning, and a founder who helped build the fintech industry. Instead of updating slide decks and models on a traditional finance team, this is a chance to have a large scope that spans investments, partner programs, loan acquisitions, process improvement, and critical business-moving decisions.
This role will work alongside our high-caliber team, coming from the world’s largest banks and fintechs, in our beautiful Presidio-based San Francisco office and will have a meaningful impact on shaping Column’s lending business and strategy.
What you’ll do
Underwrite and evaluate various types of consumer and small business credit portfolios in the context of lending, whole loans, ABS, partnership, and platform investments
Drive diverse transaction execution processes, including managing underwriting, due diligence, and contract negotiation across strategic credit partnerships, loan purchases, and financings
Be the face of Column in the lending industry by building and managing relationships with borrowers
Manage funded transactions, including new portfolio purchases or borrowings
Develop top-down themes to pursue within specialty finance and structured credit
Along with the rest of the team, assist in sourcing new lending opportunities
Collaborate with technical team to build out bespoke tools to improve risk management, monitoring, oversight, and operations functions
What you’ll need to be successful
Experience: 3 - 5 years of finance experience working at a bank, asset manager, or balance sheet-focused fintech on structured products, warehouse lending, or other financial institution transactions
Open-mindedness: Ability to think critically and creatively about investment opportunities to determine attractiveness across asset classes
Grittiness: Willingness to roll up your sleeves as an individual contributor and do whatever is needed to help push the business forward
Self Starter: Able to execute in a fast-paced environment without needing meaningful oversight
Executive presence: This individual will engage regularly with the leadership team of the Bank, thus experience and skill in presenting to senior-level audiences is preferred
Must be highly skilled in Microsoft Excel; experience with Intex software, SQL, Python, or other data analytics tools/programming languages is a plus
What you’ll get from us
🏥 Comprehensive health, dental, and vision plans, including options that are 100% covered by Column for you and 50% covered for your dependents
💳 FSA and HSA account options to enable use of pre-tax money for medical and dependent care expenses
📈 401k plan, including self-directed brokerage options
🌴 Flexible time-off policy - take the time off that you want and need to relax and recharge
👶 100% paid parental leave
🍽️ Catered lunches and dinners for SF employees
🚆 Commuter benefits
🎉 Regular team building events, including annual offsite
We look forward to hearing from you
Column is committed to working with the best and brightest people from the broadest talent pool possible. We value bringing together a team with different perspectives, educational backgrounds, and life experiences, and believe a diversity of ideas is what allows us to develop the best solutions. All qualified individuals are encouraged to apply.
If you need assistance or a reasonable accommodation during the application and recruiting process, please reach out to [email protected].
We participate in the E-Verify program in certain locations as required by law. Learn more about the E-Verify program here.
