Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $31 billion in affordable and responsible credit to our 5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We’ve also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people’s lives.

About the Role:

We are looking for a Manager to join our Capital Markets team for an exciting opportunity to establish and maintain funding capital from relationships with institutional investors across all five of Upgrade’s lending products (personal loan, card, home improvement, indirect auto, and BNPL). This role has high visibility in the organization and can influence the strategic execution of large transactions for the company. This position reports into the VP of Capital Markets, and is based in our San Francisco office in a hybrid capacity (specifically on Tuesdays, Wednesdays, and Thursdays).

What You’ll Do:

Analyze various financing options (including warehouse facilities, securitizations, forward flow whole loan sales, etc.) to determine the optimal funding strategy across all lending products (personal loan, card, home improvement, indirect auto, and BNPL)
Understand and negotiate legal agreements related to structured finance transactions
Provide analysis on collateral performance by leveraging tools such as Excel, SQL, and Tableau
Ensure timely circulation of reporting deliverables and monitoring of covenants across transactions and products
Collaborate with internal credit, product, treasury, and operations teams to develop an effective framework for balance sheet management across lending products
Manage and support onboarding new institutional investors, warehouse facilities, and securitization deals, including operational setup, due diligence, and documentation review
Develop and maintain strong relationships with institutional investors to deliver a best-in-class experience
Work with operations and engineering teams to ensure data integrity of investor reporting
Provide support to various ongoing and future projects as needed

What We Look For:

5+ years of capital markets experience
Advanced in MS Suite, SQL, and Tableau
Understanding of secured and unsecured consumer lending and credit underwriting
Knowledge and experience of executing structured finance transactions and/or asset-backed securities (ABS) markets
Ability to operate in a fast-paced environment to meet deal deadlines
Superior written and verbal communication skills
Good judgment and excellent interpersonal skills
Highly organized, detail-oriented, and strong client service skills

What We Offer You:

Competitive salary and stock option plan
100% paid coverage of medical, dental and vision insurance
Flexible PTO
Opportunities for professional growth and development
Paid parental leave
Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $140,000 - $160,000 annually plus equity and benefits. Within this range, an individual’s base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

#BI-Hybrid #LI-Hybrid

For California residents: Upgrade’s CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Compensation Overview

6 month growth

1 year growth

2 year growth

Simplify's Take

What believers are saying

What critics are saying

What makes Upgrade unique