Associate, Capital Markets Reporting at Upgrade

San Francisco, California, United States

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

4+ years of capital markets experience
Deep understanding of warehouse facility operations and reporting obligations
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
Advanced in MS Excel
SQL and Tableau (nice to have)

Responsibilities

Manage all aspects of warehouse facilities, including monitoring of utilization and performance
Prepare borrowing base reports for lenders to facilitate borrowing requests and cash disbursements
Prepare monthly servicer reports for lenders, ensuring compliance with covenants and data integrity
Conduct ongoing maintenance of Upgrade's warehouse facilities, including monitoring and documenting terms and eligibility criteria
Support the Capital Markets Execution team with due diligence requests and developing reports required by new lenders
Own liquidity forecasting models to manage daily cash management and liquidity operations
Collaborate with internal credit, product, treasury, and operations teams to develop an effective framework for balance sheet management across lending products

Skills

Key technologies and capabilities for this role

warehouse facility managementborrowing base reportslender reportingcompliance monitoringdata integrityutilization monitoringperformance analysisfinancial reportingExcelcapital markets

Questions & Answers

Common questions about this position

What is the work arrangement for this role?

The position is based in the San Francisco office in a hybrid capacity, specifically requiring presence on Tuesdays, Wednesdays, and Thursdays.

What experience is required for this position?

Candidates need 4+ years of capital markets experience, deep understanding of warehouse facility operations and reporting obligations, understanding of secured and unsecured consumer lending and credit underwriting, and knowledge of executing structured finance transactions and/or ABS markets.

What is the salary range for this role?

This information is not specified in the job description.

What is the company culture like at Upgrade?

Upgrade has a collaborative and inclusive culture, consistently recognized as one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In and the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

What makes a strong candidate for this Associate role?

Strong candidates will have 4+ years of capital markets experience, expertise in warehouse facilities and structured finance, plus the ability to thrive in a fast-paced environment with superior communication, interpersonal skills, organization, and attention to detail.

Upgrade

Provides loans, credit cards, and rewards

About Upgrade

Upgrade offers personal loans, credit cards, and rewards checking accounts to help individuals manage their finances. Their personal loans allow borrowing up to $50,000 with fixed rates and no prepayment penalties, while the Upgrade Card provides cash back rewards on various spending categories. What makes Upgrade different is its focus on affordability and user-friendly features, attracting customers looking for flexible credit solutions. The company's goal is to promote responsible financial behavior and long-term financial health through accessible credit options.

San Francisco, CaliforniaHeadquarters

2016Year Founded

$532.1MTotal Funding

SERIES_FCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

401(k) Company Match

Unlimited Paid Time Off

Paid Parental Leave

Health & wellness initiatives

Risks

Expansion into auto loans increases exposure to credit risk.

Crowded BNPL market may pressure margins for Uplift acquisition.

Investment in new office space may strain resources if growth falters.

Differentiation

Upgrade offers a unique blend of credit and banking products.

The Secured OneCard targets consumers with little or no credit history.

Partnership with FairPlay enhances fairness in lending practices.

Upsides

Expansion into auto loans diversifies Upgrade's product offerings.

Acquisition of Uplift strengthens Upgrade's position in travel financing.

Partnership with Finturf enhances home improvement financing options.

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