Manager, Capital Markets Structurer at Upgrade

New York, New York, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Capital Markets, Consumer FinanceIndustries

Requirements

3+ years of experience in capital markets, securitization, or structured finance (Consumer ABS experience strongly preferred)
Advanced knowledge of Excel for financial modeling (proficiency with Intex, VBA, or similar cashflow modeling tools a strong plus)
Proven experience analyzing consumer credit portfolios and structuring ABS transactions
Highly organized, detail-oriented, and resourceful, with the ability to manage complex workstreams independently
Strong communication skills with the ability to clearly explain technical concepts to internal and external audiences
Bachelor’s degree (quantitative or finance discipline preferred)
Willingness to travel 6–8 times per year for investor conferences and meetings
Hybrid work in New York office, 2-3 times per week

Responsibilities

Structure and analyze ABS securitizations and loan sale transactions backed by consumer credit collateral
Build, audit, and run complex cashflow models (Intex/Excel/VBA) to evaluate structures, optimize economics, and meet investor needs
Drive forward flow, warehouse, and term securitization transactions from term sheet through closing, working closely with legal, finance, and rating agencies
Perform in-depth collateral analyses, pool stratifications, and economic scenarios to inform deal structure and investor discussions
Partner with internal teams (credit, finance, legal) and external stakeholders (banks, underwriters, rating agencies) to ensure smooth and timely execution
Draft and review investor materials, offering documents, and structural term sheets with accuracy and attention to detail
Own communications with prospective and existing investors on collateral performance, structure, and transaction updates

Skills

Key technologies and capabilities for this role

ABS SecuritizationsLoan SalesCashflow ModelingIntexExcelVBAFinancial StructuringConsumer Credit

Questions & Answers

Common questions about this position

What is the work arrangement for this role?

This role will be based in the New York office in a hybrid capacity, requiring presence 2-3 times per week.

What experience is required for this position?

Candidates need 3+ years of experience in capital markets, securitization, or structured finance, with consumer ABS experience strongly preferred. Additional relevant experience may qualify for the Director title.

What technical skills are needed for this role?

The role requires building, auditing, and running complex cashflow models using Intex, Excel, and VBA, along with performing collateral analyses, pool stratifications, and economic scenarios.

What is the company culture like at Upgrade?

Upgrade has a collaborative and inclusive culture and is consistently recognized as one of the best places to work by publications like CNBC, Built In, and Forbes.

What makes a strong candidate for this role?

A strong candidate has 3+ years in capital markets, securitization, or structured finance, preferably with consumer ABS experience, and advanced knowledge in building complex cashflow models.

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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