Director, Capital Markets- Auto

Position Overview

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Upgrade is a rapidly growing fintech company providing affordable and responsible credit, mobile banking, and payment products. Recognized by the Financial Times as the fastest-growing company in the Americas last year, Upgrade has delivered over $33 billion in credit to 5.5 million customers. Backed by prominent investors and valued at $6.3 billion, Upgrade fosters an energizing, collaborative, and inclusive culture, earning accolades such as "Best Place to Work in the Bay Area" and recognition for diversity, women, culture, and veterans. We are seeking talented professionals excited about tackling big problems and making a meaningful difference.

About the Role

Upgrade is looking for a Director of Auto Capital Markets to lead the development, execution, and scaling of capital markets infrastructure for its growing Indirect Auto lending business. Reporting to the SVP, Head of Capital Markets, this role is pivotal in launching Upgrade’s Auto ABS securitization program, optimizing warehouse financing, and building long-term forward flow partnerships. The Director will establish a diversified capital strategy through collaboration with internal and external stakeholders in a fast-paced environment.

Responsibilities

• Design, launch, and lead Upgrade’s inaugural Auto ABS securitization program, collaborating with banks, rating agencies, and external counsel.
• Strategically manage and optimize multiple Auto warehouse facilities, including draw decisions and operational oversight.
• Forecast financing needs and develop execution strategies for ABS transactions, forward flow partnerships, and warehouse solutions.
• Build and expand forward flow programs by onboarding and managing relationships with institutional investors purchasing whole loans.
• Negotiate and manage all legal documentation for Auto capital markets transactions, including securitization memoranda, warehouse credit agreements, and forward flow purchase agreements.
• Monitor internal credit performance and track market developments, including ABS trends, investor demand, and macroeconomic factors.
• Support broader Capital Markets strategy across other Upgrade verticals (e.g., personal loans, BNPL, home improvement) as needed.

Requirements

• 7+ years of experience in Auto Capital Markets, Structured Finance, or Fintech.
• Proven track record in whole loan sales, warehouse financing, securitization, and forward flow execution.
• Strong understanding of secured assets and structured finance markets.
• Excellent negotiation and relationship management skills with internal and external stakeholders.
• Ability to lead multiple complex workstreams in a fast-paced, execution-driven environment.

What We Offer You

• Competitive salary and stock option plan.
• 100% paid coverage of medical, dental, and vision insurance.
• Competitive 401(k) and RRSP program.
• Flexible PTO and paid parental leave.
• Health & wellness initiatives.
• Significant opportunities for professional growth and visibility.

Company Information

Upgrade is a fintech company focused on providing affordable and responsible credit, mobile banking, and payment products to everyday consumers. We have experienced significant growth, being named the fastest-growing company in the Americas by the Financial Times and having the fastest-growing credit card in America for two consecutive years. To date, we have provided over $33 billion in credit to our 5.5 million customers. Our company culture is energizing, collaborative, and inclusive, emphasizing teamwork, learning, and innovation. Upgrade has been recognized as a "Best Place to Work in the Bay Area" for three consecutive years, a "Top Company to work for in Arizona," and has received awards for "Best Engineering Department," Diversity, Women, Culture, and Veterans.

Application Instructions

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Additional Information

• For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.
• Upgrade is an equal opportunity employer.