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

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