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

ABS Securitizations

Loan Sales

Cashflow Modeling

Intex

Excel

VBA

Financial Structuring

Consumer Credit

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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