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Salary: USD 140,000 - 160,000 / annual
Upgrade is a fintech company that provides affordable and responsible financial products to consumers. Since 2017, the company has helped over 7.5 million customers access over $42 billion in consumer credit. Valued at $7.3B and backed by prominent technology investors, Upgrade is recognized as one of the world's top fintech companies.
You will join the Capital Markets team as a Manager focused on hands-on execution across Upgrade's institutional funding programs, including warehouse facilities, forward flow whole loan sales, and securitizations spanning multiple lending products (personal loans, home improvement, indirect auto, BNPL, Card, and more). This is an execution-oriented role where you will serve as the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads. You report to the VP of Capital Markets.
Key responsibilities include:
- Serve as primary or backup execution support on a subset of lending products, partnering with Institutional and FI Execution Leads on live warehouse, forward flow, and securitization transactions
- Own day-to-day deal execution mechanics: allocation reports, purchase confirmations, loan tape reviews, funding and settlement coordination, and closing checklists
- Support warehouse and ABS reporting as a backup owner, including covenant monitoring, borrowing base calculations, and timely delivery of investor reporting deliverables
- Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel
- Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions
- Coordinate with Institutional Sales and Investor Ops stakeholders to ensure smooth experiences for bank, credit union, and institutional investor counterparties
- Work cross-functionally with investor sales, credit, product, treasury, and engineering teams to support balance sheet management and data integrity across funding channels
- Support onboarding of new institutional investors, warehouse facilities, and securitization counterparties, including operational setup and due diligence
- Take on ownership of ad hoc projects as the team's funding programs scale
The role is based in the San Francisco office in a hybrid capacity (Tuesdays, Wednesdays, and Thursdays in office).
REQUIREMENTS:
- 4+ years of experience in capital markets, asset-backed finance, or a related consumer lending function
- Familiarity with consumer lending and credit underwriting, and asset-based/structured finance more broadly (warehouse facilities, forward flow, and/or ABS)
- Proficient in Excel; SQL and/or Tableau experience a plus
- Execution-oriented with comfort owning deliverables and deadlines on live transactions in a fast-paced environment
- Strong written and verbal communication skills, with judgment to work directly with external counterparties
- Highly organized, detail-oriented, and strong client service skills
