Matt Seltzer
Treasury & Capital Markets Executive | Liquidity, Funding & Investment Strategy | Fintech & Institutional Finance Leader
- Role
- Head of Capital Markets at Earnest
- Location
- Weston, MA, US
- LinkedIn followers
- 500 followers
About Matt Seltzer
Treasury and capital-markets leader with a focus on building scalable funding and liquidity platforms grounded in institutional discipline. Experience spans global banks and fintech, managing portfolios exceeding $50 billion, executing multi-billion-dollar debt and ABS transactions, and partnering with CFOs and Treasurers on funding, capital, cash forecasting, and enterprise financial strategy.Currently lead capital-markets strategy at Earnest, a technology-enabled lender within Navient, modernizing funding architecture and analytics while linking treasury and liquidity decisions directly to product and profitability. Executed $2.1 billion in ABS transactions in 2025 and introduced new risk-retention structures that improved advance rates and reduced funding costs. Previously guided $52 billion in MBS and CMBS investments and enterprise capital-markets activity at State Street, collaborating closely with regulators, ALCO, and the Board.Driven by the intersection of technology and finance—where data, automation, and creativity redefine how liquidity, risk, and capital are managed. Whether scaling a fintech platform or optimizing a global balance sheet, focused on clarity, efficiency, and durable value creation for stakeholders.
Experience
Head of Capital Markets
Aug 2024 — Present · Boston, MA, US
Lead Earnest’s capital-markets function, driving funding strategy, liquidity planning, and investor engagement in partnership with the Earnest CEO and Navient’s corporate finance organization. Focused on efficient capital access and alignment of funding execution with profitability, product strategy, and risk objectives.
Education
Tufts University
Bachelor of Science, Mechanical Engineering
2001 — 2005
UCL
Mechanical Engineering
2003 — 2004
Carnegie Mellon University - Tepper School of Business
Master of Science, Computational Finance
2005 — 2006
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