Investment Manager – Bitcoin Lending & Structured Credit (Remote)

Work from Anywhere, Impact Everywhere

Join Xapo Bank, a fully distributed team of over 150 professionals working remotely across 30+ countries. We're building a world that enjoys economic freedom and wealth protection, regardless of geography or circumstance. This is a full-time, 100% remote position headquartered in Gibraltar—work from anywhere.

At Xapo Bank, diversity is core to our identity. We search globally for the best talent, work with intention, think internationally, and inspire continuous learning and growth. We're committed to transforming how financial services operate in the digital economy.

Position Overview

As an Investment Manager, you'll work directly with the Head of Investments to source, assess, structure, and monitor Bitcoin lending opportunities. You'll be embedded in a fast-paced, analytical, and highly collaborative environment with significant exposure to external counterparties. This role combines credit analysis, structured finance design, portfolio monitoring, and strategic relationship management.

Key Responsibilities

• Counterparty Due Diligence: Gather financial data, analyze liquidity and leverage metrics, evaluate risk controls, and draft clear, actionable approval memos for investment committee review.
• Structuring & Documentation: Design secured and over-collateralized lending structures, define covenants, establish payment waterfalls, and create margin frameworks. Contribute to term sheets, investment committee decks, and performance updates while interrogating legal terms (security packages, covenants, remedies, margining) to align risk–reward profiles.
• Portfolio & Risk Monitoring: Track exposures against limits, monitor collateral values, identify early-warning indicators, and recommend proactive actions to mitigate emerging risks.
• Financial Modeling: Build structured solutions monitoring dashboards and models using modern analytical tooling to support decision-making and reporting.
• Counterparty Engagement: Lead or co-facilitate meetings with external counterparties, coordinate virtual data rooms, manage action items, and maintain strong relationships with key stakeholders.
• Investment Documentation & Legal Review: Provide substantive input to loan documentation and interrogate legal terms to ensure appropriate risk protections and alignment with Xapo's risk appetite.
• Innovation & Research: Propose new lending structures, pricing mechanisms, and opportunity optimization strategies within defined risk parameters.
• Process Governance: Maintain diligence files, checklists, and dashboards to ensure audit-ready documentation and process hygiene.

Required Qualifications

• Experience: 5–7 years in investment banking, structured lending, credit analysis, treasury operations, risk management, or buy-side roles. Direct exposure to structured credit, margin lending, repo, or collateralized lending is strongly preferred.
• Education: Bachelor's degree in Finance, Economics, Business, or related field.
• Credit Judgment: Demonstrated expertise in end-to-end counterparty due diligence, including financial analysis, liquidity assessment, leverage calculation, concentration risk, collateral valuation, covenant structuring, and early-warning indicator identification.
• Structuring Literacy: Strong familiarity with term sheets, security and collateral packages, covenant mechanics, margining frameworks, and industry standards (ISDA/CSA, GMRA/GMSLA, loan agreements). Ability to translate risk appetite into structural protections, trigger mechanisms, and reporting requirements.
• Risk Analytics & Tooling: Proficiency with financial modeling, scenario analysis, and modern risk dashboarding platforms. Excel/SQL or equivalent data manipulation skills required.
• Crypto/Bitcoin Knowledge: Understanding of Bitcoin, digital assets, custody, and blockchain-based collateral is a plus but not required; willingness to learn is essential.
• Communication: Excellent written and verbal communication skills for presenting complex credit analysis to diverse audiences (internal and external).

Why Join Xapo Bank?

• Work 100% remotely from anywhere in the world with a truly distributed team.
• Exposure to cutting-edge structured finance and digital asset lending.
• Direct collaboration with experienced investment professionals in a fast-growing fintech organization.
• Commitment to learning, professional development, and career growth.
• Meaningful work in building financial freedom and wealth protection infrastructure.

💰 Compensation not publicly listed. Market estimate for similar roles: from $80K, varying by experience and location.