Head of Structured Solutions at Xapo Bank

About Xapo Bank

Xapo Bank is a fully distributed digital banking company with a global team working across 50+ countries. The company focuses on digital assets, wealth protection, and financial products connecting traditional finance with the digital asset ecosystem.

The Role

Xapo Bank is seeking a Head of Structured Solutions to lead its structured products function. The role combines investment management, credit underwriting, structured finance, digital assets, and product development.

You will oversee an established revenue-generating credit fund, manage counterparty relationships, develop new structured products, and work closely with the CFO, Investment Committee, external licensed Investment Manager, Risk, Treasury, Legal, and Operations teams.

Key Responsibilities

Strategy and Product Development

• Set the strategic direction for structured investment solutions.
• Identify and develop new products for Xapo clients.
• Lead yield products, tokenisation initiatives, Bitcoin-backed loans, and other structured solutions from concept through launch.
• Assess product structures, payoff profiles, delivery mechanisms, and regulatory requirements.
• Lead the monthly Investment Committee process for new products and structures.

Credit, Due Diligence and Risk

• Lead initial and ongoing due diligence on fund counterparties.
• Assess financial strength, business processes, creditworthiness, and counterparty risks.
• Prepare committee-ready credit assessments and lending proposals.
• Monitor credit exposure, concentration, limits, and emerging risks.
• Work with Risk on credit risk, price risk, systems, and regulatory requirements.

Fund Origination and Relationship Management

• Identify and originate new counterparties for the credit fund.
• Present lending proposals to the Investment Committee.
• Support Legal with counterparty documentation and closing processes.
• Manage relationships throughout the life of each facility.
• Monitor commercial and operational matters with counterparties.

Fund Operations and Stakeholder Management

• Work closely with the external licensed Investment Manager on regulated fund activities.
• Oversee fund operations and accounting processes.
• Liaise with fund administrators and fund accountants on NAV and operational matters.
• Support reconciliation and allocation of coin and capital inflows.
• Communicate fund activity, positioning, and performance across Xapo.

Treasury and Banking

• Advise Treasury on risk evaluation, trading, execution, and system requirements.
• Contribute to ALCO activities, stress testing, and pricing.
• Provide input on banking and balance sheet considerations.

Team Leadership

• Build and lead the Structured Solutions team.
• Mentor analysts and develop technical capabilities.
• Set team priorities and provide strategic direction.
• Maintain strong team communication and development.
• Document institutional knowledge, models, processes, and market information.
• Serve as an internal reference point on structured finance, digital assets, and market-related matters.

Requirements

• 4+ years of experience in investment management, structured products, digital asset markets, credit, or trading.
• Senior-level ownership of a product, credit, investment, or trading function.
• Strong credit underwriting and counterparty risk experience.
• Experience assessing both traditional financial institutions and crypto-native businesses.
• Strong understanding of financial analysis, capital positions, covenants, custody, rehypothecation, exchange exposure, proof-of-reserves limitations, and on-chain risk.
• Strong quantitative and financial modelling skills.
• Experience designing and launching financial products.
• Experience working with formal governance structures such as Investment Committees.
• Demonstrated people leadership and team-building experience.
• Knowledge of Bitcoin and traditional fiat markets.
• Strong stakeholder management and communication skills.
• Ability to work effectively with investment managers, counterparties, senior executives, and internal committees.

Nice to Have

• Experience with regulated fund structures.
• Experience working with licensed external Investment Managers.
• Fund administration, fund accounting, and NAV experience.
• Existing relationships within digital asset or institutional investment networks.
• Experience building a new team or function within a fintech, bank, or asset manager.
• Treasury, balance sheet, ALCO, stress testing, or pricing experience.
• Experience taking ownership of an existing investment book.

Other Requirements

• Dedicated workspace.
• Reliable internet connection.
• Alignment with Xapo’s values and Values-Driven Leadership principles.
• Commitment to fair treatment, transparency, regulatory compliance, and ethical conduct.

What Xapo Bank Offers

• 100% remote work from anywhere in the world.
• Flexible working arrangements.
• Flexible PTO.
• Global collaboration with a distributed team.
• Learning and development support.
• Opportunity to work across digital assets, structured finance, banking, and financial technology.

How to Apply

Interested candidates should click the application link provided on the job listing and submit their application before October 18, 2026.

Please read the full job requirements carefully before applying.