Capital Markets Analyst at Upgrade

San Francisco, California, United States

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

1-3 years of capital markets, finance, securitization or other relevant experience
Proficiency in Excel, SQL, Python, Tableau for complex data extraction and manipulation of large loan-level datasets to analyze portfolio performance and stratifications
Ability to operate in a fast-paced environment to meet deal deadlines
An intense intellectual curiosity and a quantitative mindset, with a proven ability to solve complex, unstructured problems
Superior written and verbal communication
Good judgment and excellent interpersonal skills
Highly organized, detail-oriented, and strong client service skills

Responsibilities

Quarterback the deal execution process from inception to closing, managing timelines and deliverables across legal, accounting, credit risk, treasury, operations, reporting, underwriting banks, rating agencies, trustees and investor teams to ensure seamless transactions
Liaison with all internal and external parties involved in the transaction including, internal and external legal counsel, trustees, accounting firms, underwriters/brokers (modeling / reverse engineering structures and tying out with banks and investors and negotiating/coordinating required disclosures and legal transactional documents.)
Collaborate across organization to execute transactions across all-five lending product(s) and capital stack
Support legal agreements review related to structured finance transactions
Provide analysis on collateral performance by leveraging tools such as Excel, SQL, Python and Tableau
Ensure timely circulation of reporting deliverables and monitoring of covenants across transactions and products
Partner with internal and external counsel, lead review and negotiation of transactional terms/amendments through to execution
Support onboarding new institutional investors, warehouse facilities, and securitization deals, including operational setup, due diligence, and documentation review
Work with operations and engineering teams to ensure data integrity of investor reporting
Proactively identify and implement opportunities to optimize transaction structures, automate reporting, and enhance our capital markets platform through new processes and technology

Skills

Capital Markets

Deal Execution

Financial Modeling

Investor Relations

Legal Coordination

Accounting

Credit Risk

Treasury

Underwriting

Rating Agencies

Transaction Management

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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