Job Description:

We're looking for a capital markets lead who can own the entire lifecycle: structuring and executing deals, driving secondary trading and marketplace distribution, managing interest rate risk, and uncovering insights through portfolio analytics.

The ideal candidate brings 7+ years of experience in debt capital markets, with a track record of pricing and executing transactions, managing risk, and navigating complex market dynamics. Advanced Excel and SQL skills are expected. You know how to turn data into decisions and decisions into outcomes.

We are looking for someone with obsessive attention to detail and the ability to build productive relationships both inside and outside of Aven. You must thrive in a high-intensity environment while also demonstrating the ability to go from A to Z independently when needed, possess a strong work ethic, and enjoy solving complex problems (and boring ones too).

Responsibilities:

• Lead the structuring and execution of any type of structured financing product, including RMBS and ABS, asset sales, master trust, hedging, etc. This includes driving alignment with external and internal parties, reviewing work done by advisors and lawyers, and prioritization of Aven’s key objectives

• Lead the development of a secondary market trading platform, including:

  • Collateral tape, credit performance data analysis, and cash flow modeling

  • Pricing models

  • Risk management tools, including interest rate hedges and credit risk transfers

  • Setting up scalable infrastructure and third-party documentation

  • Reporting and reconciliations

• Lead the go-to-market financing strategy and execution for new Aven products from end to end

• Build cash flow modeling and analytics of our receivables for financing purposes across ABS execution, rating agency analysis and forward flow sales, across Intex and Excel

• Frontline support services for capital providers, rating agencies and investors: responding to inquiries; ad-hoc collateral analysis; cash flow modelling; performance metrics and projections; ongoing reporting and surveillance, etc.

Qualifications:

• Bachelor's Degree required: MBA, MCS, or relevant advanced degrees preferred

• At least 7 years of experience in structured products or debt capital market roles, with demonstrated leadership abilities and execution track record

• Prior experience dealing with specialty finance debt structuring and/or securitizations

• Reputation for being the fastest/smartest operator in prior teams

• Reliable on high-precision work. Strong orientation to deadlines and detail.

• Computer Software Skills: expert-level Excel, Intex preferred

• Programming Skills: SQL, Python/R are a plus

   

Location: San Francisco Bay Area, New York, remote possibility

Job Description

We are seeking a Solutions Operations, Mortgage Tech professional to serve as the ultimate system subject matter expert (SME) and troubleshooting partner for our Third Party Originations (TPO) channel. As Aven expands from its consumer direct pedigree into TPO, you will be the primary line of defense for external account executives and brokers navigating our proprietary HELOC technology. You aren't just answering FAQs; you are a technical problem-solver capable of diagnosing complex edge cases in our origination flow. You will bridge the gap between our high-powered engineering team and our front-line sales partners, ensuring that "technology-unsavviness" never stands in the way of a successful loan closing. You will report to the Head of Originations Operations.

The ideal candidate is highly analytical, naturally curious, and thrives in fast-paced environments where problem-solving, ownership, and cross-functional collaboration are critical to success. This role reports directly to the Head of Originations Operations.

Responsibilities

• System Troubleshooting: Serve as the "Ace" partner for MLOs, addressing daily inquiries and resolving technical blockers in the origination and notarization stacks.

• Technical Diagnosis: Go beyond surface-level support by reading and interpreting underwriting JSONs and system logs to explain denials or lower-than-expected loan amounts to brokers.

• Edge Case Management: Navigate the "long tail" of mortgage applications where edge cases begin at the 50th percentile, providing high-touch guidance for complex borrower scenarios.

• Product Feedback Loop: Identify and label recurring "bugs" or UI friction points to help engineering and product teams build automated agentic solutions.

• Broker Education: Mollycoddle and train external partners on the "Aven way," helping them utilize our advanced technological weapons to close loans efficiently.

• Efficiency & Scaling: Maintain a high standard of support as we scale toward 1,000+ daily agent messages, utilizing internal tools to maximize individual productivity.

Qualifications

• Mortgage Expertise: Strong understanding of the HELOC and mortgage origination lifecycle, including common friction points in document collection, income verification, and notarization.

• Problem-Solving: A "systems thinker" who can distinguish between actual software bugs and user-error/technology-unsavviness.

• Communication: Exceptional structured communication skills; able to explain technical complexities to non-technical external brokers clearly and patiently.

• Technical Aptitude: Proven ability to navigate complex software systems; experience with JSON, SQL, or technical log analysis is highly preferred.

• Resilience: Disciplined and resilient in a fast-paced environment where you may handle a high volume of high-stakes inquiries.

• Education: Bachelor's Degree.

Job Description

We are looking for Machine Learning Engineers who have built product models from idea to delivery. You are passionate about digging into data, cleaning it, analyzing it, generating ideas, and building models. In this role, you will maintain models in production and build infrastructure to iteratively update them. You will monitor for distribution shifts in the data and adjust models accordingly. You will also be responsible for system architecture, participating in design reviews, and conducting code reviews to ensure best practices.

You can expect to work on

Anything and everything. At this early stage, you will find yourself:

• Building targeting models for our Direct Mail Channel

• Building risk models from both existing credit bureau data and Aven customers’ performance data

• Building pricing and product relevance models

• Building models to automate back-office human processing of documents and other tasks

• Weighing in on strategy. Every voice is important to help inform our decisions

• Become an expert in our product space, such that you're able to find new opportunities from data and models

You should join us if

• You have led large technically complex projects with a lot of moving parts

• You have a lot of experience with a lot of disparate systems

• You have worked on production-grade compilers, operating systems, or large distributed systems

• You can jump into a new environment and hit the ground running without much hand-holding

• You’re fine with us not having answers yet. You want to be part of figuring out the answers

• You thrive in highly collaborative environments and are down to riff with us on anything from company mission to software architecture to user research

• You enjoy diving into the deep end and feel like that’s where the greatest personal growth happens

• You are fearless about learning the details and understanding every single minute detail of an underlying system or process

Our Tech Stack:

• AWS

• PostgreSQL

• Typescript

• Python

• VueJS (web)

• Swift (iOS)

• Kotlin/Java (Android)

Job Description

We are seeking a seasoned Data Scientist to collaborate closely with cross-functional teams. Your role will be pivotal in shaping our product strategy using robust scientific methodologies. Leveraging your expertise in statistical analysis, machine learning, and econometric modeling on extensive datasets, you will measure outcomes, identify causal impacts, predict future performance, and design innovative data-driven solutions.

In this role, you will

• Partner across the company with Product, Engineering, Marketing, Sales, Finance and Data Science teams to shape product strategy using rigorous scientific solutions

• Apply statistical, machine learning and econometric models on large datasets to:

  • measure results and outcomes

  • identify causal impact and attribution

  • predict future performance of users or products

• Design, implement and launch innovative data science solutions to empower data-driven decisions at scale

• Design, analyze, and interpret the results of experiments

• Develop key metrics and observability for Aven products

• Drive the collection of new data and the refinement of existing data sources

• Create analyses that tell compelling stories and inspire action

We’re looking for someone with

• 5+ years of data science experience with a track record of thought leadership and innovation

• A PhD or MS in a quantitative field (e.g., Engineering, Mathematics, Natural Sciences, or Economics)

• Expert knowledge of a scientific computing language (such as R or Python) and SQL

• Theoretical and applied expertise in statistics, machine learning and experimental design

• Excellent written and verbal communication skills

• Experience designing and implementing complex modeling solutions from ideation to production at scale

• Experience influencing high-impact decisions

• Strong project management and organizational skills

Job Description

We are looking for engineers who are passionate about building consumer products. You have experience with metrics-driven iterative product development at a fast pace. You get excited by working on customer problems closely with our customer support and servicing teams. You care about prioritizing and measuring impact, and driving towards impact-driven goals and metrics. You have built consumer interfaces at scale. You have built consumer interfaces that work in all network conditions and gracefully degrade as the network worsens. You care about the debounce time on a typeahead, or the layout of a card on different devices. You obsess over what contrast will get you the best engagement on a specific UI element. You worry about how your current feature will interact with the existing UX.

You can expect to work on

Anything and everything. At this early stage, you will find yourself:

• Building a best in class credit card origination flow

• Building a best in class video notarization solution

• Helping us execute world-class growth & engagement tactics for our product

• Architecting core product infrastructure to enable us to go from 0-to-1

• Weighing in on strategy. Every voice is important to help inform our decisions

• Influencing our tech stack.

• Defining our culture. As a large % of the team, who you are shapes who we become.

• Become an expert in our product space, such that you're able to define how products should work end-to-end.

You should join us if

• You have led large, technically complex projects with a lot of moving parts

• You have a lot of experience with a lot of disparate systems

• You have worked on production grade compilers, operating systems, or large distributed systems

• You can jump into a new environment and hit the ground running without much hand holding

• You’re fine with us not having answers yet. You want to be part of figuring out the answers

• You thrive in highly collaborative environments and are down to riff with us on anything from company mission to software architecture to user research

• You enjoy diving into the deep end and feel like that’s where the greatest personal growth happens

• You are fearless about learning the details, and understanding every single minute detail of an underlying system or process

Job Description

You will help ensure that our consumer lending products (mortgage, HELOC, secured/unsecured credit cards, etc.) comply with federal and state regulations, internal policies, our bank partner’s requirements and reporting, and industry best practices. That requires creativity and a problem-solving orientation, because we're trying new things and working fast. You’ll use your legal experience and training to interpret laws, draft and review agreements and disclosures, policies, resolve litigation matters and disputes, and advise on risk. The L&C team is hands-on wherever needed, including marketing reviews, audits, exam responses, licensing applications and reports, vendor management, statutory and regulatory analysis, contract review and drafting, and training, and we share all work regardless of experience. You’ll be part of a highly valued team and work on a variety of projects across the company.

More about the role and the team: It’s a small team (4 lawyers) within a flat organization. We're looking for a very capable attorney who has good foundational knowledge and experience and is ready to level up -- someone comfortable with and eager to learn more about navigating in the gray.

Responsibilities

• Assist in ensuring compliance with TILA, RESPA, ECOA, HMDA, FCRA, UDAAP, HMDA, TRID, and other federal and state consumer lending regulations.

• Monitor compliance with state-specific lending laws (e.g., usury laws, servicing, licensing requirements, foreclosure processes).

• Support the development and maintenance of compliance policies, procedures, and training materials.

• Assist in conducting compliance reviews of loan origination, underwriting, and servicing processes.

• Perform periodic audits of required disclosures, adverse action notices, loan documents, etc.

• Assist in responding to customer complaints, regulatory inquiries, and internal situations.

• Research federal and state regulatory updates impacting consumer lending.

• Assist in updating policies and procedures to reflect new laws and regulations.

• Support compliance training efforts for internal teams.

• Collaborate with product and engineering teams to ensure compliance is embedded in loan servicing and creation.

• Review marketing materials and loan disclosures for Regulation Z and UDAAP compliance.

• Assist in third-party vendor risk assessments, particularly for loan origination systems, credit reporting agencies, and payment processors.

Qualifications

• Education: Juris Doctorate

• Experience: 7+ years practicing law, with at least 3 recent years focused on consumer finance regulatory work; in-house experience with a fintech, bank, or mortgage company is a significant plus

• Knowledge: Strong familiarity with applicable secured lending, marketing, and servicing laws

• Technical Skills: Ability to work with compliance monitoring tools, regulatory databases, and task systems (e.g., Asana)

• Other Skills: Strong attention to detail, analytical thinking, creative problem solving, and strong communication skills (verbal and written)

• Additional things we’re looking for

• Located in Northern California – strong remote candidates considered, but preference given to candidates who can be in the office often

Job Brief

Aven is on the hunt for powerhouse Mortgage Loan Officers who can transform warm leads and eager applicants into cardholders. In order to thrive as Aven’s MLO, you must be customer-obsessed, analytical, and able to articulate Aven’s value proposition to prospects. If you’re looking for a fast-paced, highly creative, and dynamic environment to maximize your talents and expand your expertise, then we might be the place for you.

What Your Background Might Look Like

• Bachelor's Degree

• Mortgage Loan Originator License (Must be licensed in CA, FL, AZ, or a resident of MO, NV)

• 3+ Years of Experience as a Mortgage Loan Officer 

Day to Day Responsibilities 

• Outbound calling to home equity leads

• Communicating with existing applicants to discuss offers

Benefits

• Base salary + performance bonus

• Stock options bonus for high-performance 

• Generous health, dental, and vision insurance 

Location: Remote or In-Person | Bay Area, CA