Manager, Capital Markets, HELOC at Upgrade, Inc.

<p><strong>About the Role:</strong><strong><br></strong>We are looking for a&nbsp; Manager to join our Capital Markets team, with a focus on hands-on execution across Upgrade's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — focusing on our new HELOC product. This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads.</p> <p>This position reports into the VP of Capital Markets and is based in our San Francisco office in a hybrid capacity (Tuesdays, Wednesdays, and Thursdays in office).<br><br></p> <p><strong>What You'll Do:</strong></p> <ul> <li>Serve as primary or backup execution support on a subset of Upgrade's lending products, partnering with the Institutional and FI Execution Leads on live warehouse, forward flow, and securitization transactions</li> <li>Own the day to day mechanics of deal execution: allocation reports, purchase confirmations, loan tape reviews, funding and settlement coordination, and closing checklists</li> <li>Support warehouse and ABS reporting as a backup owner — covenant monitoring, borrowing base calculations, and timely delivery of investor reporting deliverables, in partnership with the team's warehouse reporting leads</li> <li>Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel</li> <li>Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions</li> <li>Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank, credit union, and institutional investor counterparties</li> <li>Work cross-functionally with investor sales, credit, product, treasury, and engineering teams to support balance sheet management and data integrity across funding channels</li> <li>Support onboarding of new institutional investors, warehouse facilities, and securitization counterparties, including operational setup and due diligence</li> <li>Take on ownership of ad hoc projects as the team's funding programs scale</li> </ul> <p>&nbsp;<br><strong>What We Look For:</strong></p> <ul> <li>4 + years of experience in capital markets, asset-backed finance, or a related consumer lending function.</li> <li>Familiarity with consumer lending and credit underwriting, and asset-based/structured finance more broadly (warehouse facilities, forward flow, and/or ABS)</li> <li>Proficient in Excel; SQL and/or Tableau experience a plus</li> <li>Execution-oriented — comfortable owning deliverables and deadlines on live transactions in a fast-paced environment</li> <li>Strong written and verbal communication skills, with the judgment to work directly with external counterparties</li> <li>Highly organized, detail-oriented, and strong client service skills</li> </ul> <p><strong>About the Role:</strong><strong><br></strong>We are looking for a&nbsp; Manager to join our Capital Markets team, with a focus on hands-on execution across Upgrade's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — spanning our lending products (personal loan, home improvement, indirect auto, BNPL, Card and more). This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads.</p> <p>This position reports into the VP of Capital Markets and is based in our San Francisco office in a hybrid capacity (Tuesdays, Wednesdays, and Thursdays in office).<br><br></p> <p><strong>What You'll Do:</strong></p> <ul> <li>Serve as primary or backup execution support on a subset of Upgrade's lending products, partnering with the Institutional and FI Execution Leads on live warehouse, forward flow, and securitization transactions</li> <li>Own the day to day mechanics of deal execution: allocation reports, purchase confirmations, loan tape reviews, funding and settlement coordination, and closing checklists</li> <li>Support warehouse and ABS reporting as a backup owner — covenant monitoring, borrowing base calculations, and timely delivery of investor reporting deliverables, in partnership with the team's warehouse reporting leads</li> <li>Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel</li> <li>Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions</li> <li>Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank, credit union, and institutional investor counterparties</li> <li>Work cross-functionally with investor sales, credit, product, treasury, and engineering teams to support balance sheet management and data integrity across funding channels</li> <li>Support onboarding of new institutional investors, warehouse facilities, and securitization counterparties, including operational setup and due diligence</li> <li>Take on ownership of ad hoc projects as the team's funding programs scale</li> </ul> <p>&nbsp;<br><strong>What We Look For:</strong></p> <ul> <li>4 + years of experience in capital markets, asset-backed finance, or a related consumer lending function.</li> <li>Familiarity with consumer lending and credit underwriting, and asset-based/structured finance more broadly (warehouse facilities, forward flow, and/or ABS)</li> <li>Proficient in Excel; SQL and/or Tableau experience a plus</li> <li>Execution-oriented — comfortable owning deliverables and deadlines on live transactions in a fast-paced environment</li> <li>Strong written and verbal communication skills, with the judgment to work directly with external counterparties</li> <li>Highly organized, detail-oriented, and strong client service skills</li> </ul> <p><strong>What We Offer You:&nbsp;</strong></p> <ul> <li>Competitive salary and stock option plan</li> <li>Medical, dental and vision insurance with employer paid options</li> <li>Flexible PTO</li> <li>Competitive 401(k) and RRSP program</li> <li>Opportunities for professional growth and development&nbsp;</li> <li>Paid parental leave</li> <li>Health &amp; wellness initiatives</li> </ul> <p>The compensation range of this position in San Francisco, CA and New York, NY 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.</p> <p><strong>#LI-Hybrid&nbsp;</strong></p> <p><strong><em data-renderer-mark="true">For California residents:&nbsp;</em><a class="css-tgpl01" href="https://www.upgrade.com/PRIVACY_POLICY_CALIFORNIA_EMPLOYEE/" target="_blank" data-testid="link-with-safety" data-renderer-mark="true"><em data-renderer-mark="true"><u data-renderer-mark="true">Upgrade's California</u><strong data-renderer-mark="true"><u data-renderer-mark="true">&nbsp;</u></strong><u data-renderer-mark="true">Notice at Collection and Privacy Policy</u></em></a><em data-renderer-mark="true">&nbsp;describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.</em></strong></p>