Manager, Capital Markets Reporting at Upgrade

San Francisco, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Financial ServicesIndustries

Requirements

5+ years of capital markets experience
Advanced in MS Excel, SQL, and Tableau (nice to have)
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

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 FacilitiesCapital MarketsLiquidity ManagementForecastingBalance Sheet ManagementSecuritizationFinancial Reporting

Questions & Answers

Common questions about this position

What is the salary for this position?

This information is not specified in the job description.

Is this role remote or does it require office presence?

This position is based in our San Francisco office in a hybrid capacity, specifically on Tuesdays, Wednesdays, and Thursdays.

What skills and experience are required for this role?

Candidates need 5+ years of capital markets experience, advanced proficiency in MS Excel and SQL (Tableau nice to have), and a deep understanding of warehouse facility operations and reporting obligations.

What is the company culture like at Upgrade?

Upgrade has built an energizing, collaborative, and inclusive culture where team members help each other, learn, innovate, and own the outcome of their efforts. The company has been recognized as a 'Best Place to Work in the Bay Area' three years in a row and for diversity, women, culture, and veterans.

What makes a strong candidate for this Manager role?

A strong candidate will have 5+ years of capital markets experience, advanced skills in MS Excel and SQL, and deep knowledge of warehouse facility operations, along with the ability to manage high-visibility tasks critical to balance sheet and liquidity 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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