---
title: 'Head of Structured Solutions (Remote - Work from Anywhere) at Xapo Bank'
canonical: 'https://feeny.ai/job/head-of-structured-solutions-remote-work-from-anywhere-xapo-bank-gibraltar-0xrx1bg6a8k2'
type: 'job'
last_seen: '2026-09-17'
---

# Head of Structured Solutions (Remote - Work from Anywhere) at Xapo Bank

- **Company:** Xapo Bank
- **Location:** Gibraltar
- **Work type:** remote
- **Posted:** 2026-09-15
- **Last confirmed live:** 2026-09-17
- **Apply:** https://job-boards.greenhouse.io/xapo61/jobs/7974904003

## Job description

Work from anywhere, impact everywhere

Diversity is at the heart of who we are at Xapo Bank. We’re a fully distributed team of over 160 Xapiens that work remotely from 50+ countries around the world.

Our beginning: A world that enjoys economic freedom and wealth protection,no matter where you live or who is running your country. To achieve that, we search the world for the best people for the job. We work hard, think globally, and inspire each other to learn and grow. We are committed to changing the way things are done.

Although we are headquartered in Gibraltar, this is a full time, 100% remote position Work from anywhere!

Position overview

Xapo Bank is establishing a Structured Solutions function to own and expand its product offering, spanning yield products, tokenisation, asset-backed lending (ABL) workstreams, and new structures at the intersection of digital assets and traditional finance.

As Head of Structured Solutions, you will take ownership of an established, revenue-generating credit fund and the counterparty relationships that sit behind it, while setting the strategic direction for what we build next. You will report directly to the CFO, own the house view on structured product strategy, act as the primary interface with our external licensed Investment Manager and the Investment Committee, and have the mandate and budget to grow the team as the function scales.

This is a rare combination: a live book with existing counterparties, an established governance process, and dedicated analyst support from day one, alongside genuine authority to shape what Xapo Bank's structured product offering becomes and to build the team you need to deliver it. You will have a structured transition period working alongside experienced outgoing team members to absorb institutional knowledge, models, data, and counterparty context.

Credit judgement is central to this role, not a supporting activity. Counterparty selection, due diligence and ongoing monitoring are how the credit fund is managed day to day, so we need someone whose underwriting is as strong as their structuring, as credible assessing a counterparty as they are designing a payoff profile, with the judgement to walk away from a deal that prices well but underwrites badly.

In your first 12 months you will:

- Take full ownership of the fund and its counterparty relationships, completing the knowledge transfer from the outgoing team.
- Establish your operating rhythm with the Investment Committee and the licensed Investment Manager.
- Set out the forward roadmap for Xapo's structured product offering and the resourcing to deliver it.

## Responsibilities

Strategy and product:

- Set the strategic direction and house view for structured investment solutions, identifying and designing new structured products for the Xapo client base.
- Lead delivery of yield products, tokenisation initiatives, Bitcoin Backed Loans, and other new structures from concept through to launch, from payoff profile through to delivery mechanism, including regulatory consequences.
- Responsible for driving Xapo's internal investment committee, a monthly forum with the CEO, CFO, and Head of Product, on new ideas, products, and structures.

Credit, due diligence, and risk:

## FUND

- Own comprehensive initial due diligence on prospective counterparties and ongoing due diligence on existing ones, covering counterparty financial analysis, business processes, and risk evaluation.
- Produce credit assessments in a standardised, committee-ready format suitable for review by the licensed Investment Manager and the Investment Committee.
- Maintain ongoing credit risk oversight of the book, ensuring positions are managed appropriately and the fund operates within its mandate at all times.
- Set, monitor, and enforce exposure, concentration, and limit frameworks, escalating breaches and emerging risks promptly.

## XAPO

- Work alongside the Risk function on price risk and credit risk evaluation, system requirements, and regulatory consequences.

Fund Origination, execution, and relationships:

- Identify and originate new counterparties for the fund to lend to.
- Prepare and present due diligence and lending proposals through the Investment Committee, owning the quality and rigour of the committee process.
- Support Legal in negotiating the fund's standard documentation with counterparties through to close.
- Maintain and evolve counterparty relationships across the life of each facility, keeping engagement current across all commercial and operational matters.

Fund operations and stakeholder management:

- Act as the primary point of engagement with the external licensed Investment Manager on regulated fund management activity, maintaining constant contact.
- Oversee fund operations and accounting, liaising with the fund administrator and fund accountant to ensure NAV is struck correctly and resolving operational issues as they arise.
- Support Xapo Operations and the fund accountant on reconciliation, ensuring everything matches correctly.
- Allocate coin and capital inflows arising from investors sourced by Xapo.
- Represent the fund internally, keeping the wider Xapo organisation informed on positioning, activity, and performance.

Treasury and banking input:

- Work closely with Treasury, providing advisory input across risk evaluation, trading and execution, and system requirements.
- Contribute banking input on ALCO, stress testing, and pricing.

Team and knowledge:

- Build, manage, and develop the Structured Solutions team, mentoring junior analysts and expanding the bench as the function grows — you will have the mandate to shape the team's size and shape over time.
- Enable the team: surface and resolve blockers quickly, run regular one-to-ones, and take ownership of team wellbeing.
- Represent the team within Xapo, articulating what it needs and keeping the organisation informed.
- Ensure institutional knowledge is documented and durable, contributing to and maintaining the investment team knowledge portal so that the function is not dependent on any single individual.
- Act as an internal reference point for technical, market, and crypto-ecosystem questions, contributing to projects across the business where relevant.
- During the initial transition period, work alongside outgoing senior team members to absorb institutional knowledge, models, data, and counterparty context.

## Skills needed

- Substantial experience in investment management, structured products, or digital asset markets, including senior ownership of a product, credit, or trading function.
- Demonstrable credit underwriting and counterparty risk experience, ideally including unsecured lending, with the judgement to say no to a deal that prices well but underwrites badly.
- The ability to diligence both sides of the market: regulated financial institutions using audited financials, capital position, and covenant analysis; and crypto-native counterparties, including the limitations of proof-of-reserves, custody and rehypothecation risk, venue and exchange exposure, on-chain analysis, and opaque cross-jurisdictional group structures.
- Strong quantitative capability and comfort building or overseeing pricing, risk, and structuring models.
- A track record of designing and launching new financial products, ideally spanning yield, lending, or tokenisation.
- Experience operating through formal governance processes such as investment committees, with the judgement to know when to escalate.
- Demonstrated people leadership: building teams, developing junior talent, and setting a clear technical and strategic direction.
- Familiarity with both Bitcoin and traditional fiat markets, and genuine interest in where digital assets and structured finance intersect.
- Excellent stakeholder management skills, comfortable engaging with external investment managers, counterparties, and internal committees alike.

Nice to have:

- Exposure to regulated fund structures and working alongside a licensed external investment manager.
- Experience with fund operations, including fund administrators, fund accountants, and the NAV process.
- Existing relationships within digital asset counterparty or institutional investor networks.
- Prior experience standing up or scaling a new team or function within a fintech, bank, or asset manager.
- Balance sheet and treasury experience, including ALCO, stress testing, and pricing within a regulated credit institution.
- Experience taking over an existing book and making it your own, rather than only building from a blank page.

Other requirements:

- A dedicated workspace.
- A reliable internet connection with the fastest speed possible in your area.
- Alignment with Our Values and the Xapo Values-Driven Leadership principles.

Why work for Xapo?

Impact Globally, Work Remotely.

- Shape the Future Improve lives through cutting-edge technology, work 100% remotely from anywhere in the world.

- Great work-life balance Build amazing things with a balance of autonomy and collaborative teamwork. Set your own work schedule and make use of a flexible PTO plan when you need to recharge.

- Expect Excellence Collaborate, learn, and grow with a high-performance team. Learn how you learn best - from books to conferences, you’ll get a yearly budget for your individual learning and development goals.

At Xapo, we prioritize consumer protection and adhere to regulatory requirements by ensuring that all Xapiens are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders.

## About Xapo Bank

## Company Overview
- **One-liner**: Xapo Bank is the world’s first fully regulated Bitcoin-enabled bank, integrating traditional banking with Bitcoin to let users secure, spend, and grow their wealth.
- **Entity Type**: Private (Series A)
- **Headquarters**: Gibraltar
- **Founded**: 2013 (founded as a Bitcoin wallet/custodian); 2014 (formal incorporation as a bank)
- **Founders**: Wences Casares (founder of Xapo; also founded Lemon Wallet and was an early Bitcoin advocate)

## Core Business
- **Primary Industry**: Financial Services (crypto-native banking, Bitcoin custody, fiat banking)
- **Target Customers**: B2C (individuals seeking to hold, spend, and earn interest on Bitcoin and USD), with a focus on high-net-worth and retail Bitcoin holders
- **Mission or Purpose**: "To provide our members with the best crypto-native banking experience that is secure, accessible and flexible. Because we believe that financial security is a right, not a privilege, and should be within reach of every individual."

## Products & Services
- **Xapo Bank Account**: A regulated bank account that combines a USD fiat account (with deposit guarantee up to GBP 120,000) with a Bitcoin wallet. Users can earn up to 4% APY on USD deposits and compounding returns in Bitcoin on both USD and BTC balances.
- **Bitcoin Custody & Vault**: Triple-layered security including underground vaults (physical), MPC (multi-party computation) technology, and tailored personal access. Bitcoin is held in a 1:1 reserve, segregated from corporate funds, and never rehypothecated.
- **Global Payments**: Send, spend, and receive money in major currencies (USD, EUR, GBP) 24/7 with no FX fees via international payment networks and blockchain rails.
- **Institutional Services**: Dedicated relationship managers, segregated custody, and transparency reports for high-net-worth individuals and institutional clients.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company)
- **Key Metric**: Total Funding of **$40M** (Series A); annual revenue not publicly available
- **Notable Investors/Partners**: Greylock Partners (led Series A), with additional support from other venture investors; audited by a Big 4 firm; regulated by the Gibraltar Financial Services Commission (GFSC)
- **Growth Signals**: 110 employees (+7% YoY), operating in 38 countries, with a global remote workforce spanning 50+ countries. The company has been profitable and operational for over a decade (since 2013). Recent hiring for VP of Customer Success, Software Engineers, and Investment Manager indicates continued expansion.

## Competitive Advantages
- **First-Mover & Regulatory Moat**: The first Bitcoin-enabled bank to be fully regulated (GFSC) and compliant with AML/KYC standards, providing a clear legal framework for both fiat and digital assets.
- **Zero-Lending-Risk Model**: Bitcoin is held in a 1:1 reserve, never lent out or rehypothecated, removing fractional reserve risk.
- **Institutional-Grade Capitalization**: Ultra-conservative balance sheet with a Core Equity Tier 1 Capital Ratio of 1663% and a Liquidity Coverage Ratio of 167%, far exceeding international requirements.
- **Proven Security**: Over a decade of secure Bitcoin custody with no major breaches, combining physical vaults and advanced MPC technology.

## Strategic Focus
- **Deepening the Crypto-Native Banking Experience**: Integrating traditional banking rails (USD accounts, debit cards) with Bitcoin to make it a daily-use asset.
- **Global Expansion**: Operating in 38 countries and hiring across APAC, Europe, and the Americas to scale its member base.
- **Regulatory Leadership**: Maintaining and expanding its regulatory framework to set the standard for compliant crypto banking.
- **Product Innovation**: Adding features like designated beneficiaries, recurring buys, and enhanced yield products.

## Why Work Here
- **Fully Remote Culture**: Xapo was founded as a fully remote company and has been remote for 13+ years. Team members work from 50+ countries with a strong emphasis on autonomy and work-life balance.
- **Generous Time Off**: 35 days of paid time off per year, plus comprehensive sick, special, and parental leave.
- **Learning & Development**: Personalised yearly budget for courses, books, and conferences, plus annual performance and salary reviews.
- **Global, Diverse Team**: Over 160 "Xapiens" from 50+ countries, with a culture that values inclusivity, ethics, and collaboration.
- **High-Impact Work**: Opportunity to shape the future of finance at the intersection of traditional banking and Bitcoin, working on a product used by a global member base.
- **Interview Process**: Typically includes HR interview, peer interviews, a technical or business challenge, and a hiring manager interview, all conducted via Zoom/Google Meet.

## Sources
1. [xapobank.com - Careers Page](https://www.xapobank.com/en/careers)
2. [xapobank.com - Homepage](https://www.xapobank.com/en)
3. [xapobank.com - Compliance & Regulation](https://www.xapobank.com/en/company/compliance)
4. [LinkedIn - Xapo Bank Company Page](https://gi.linkedin.com/company/xapobankapp)
5. [Greenhouse - Xapo Bank Jobs](https://job-boards.greenhouse.io/xapo61/jobs/7692178003)

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