Capital Markets Manager
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Job Location:
San Mateo, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
11 hours ago
Vacancies:
1 Vacancy
Job Summary
About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts AI marketplace Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races ages and genders while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload.
Upstart is a digital-first company which means that most Upstarters live and work anywhere in the United States. However we also have offices in San Mateo California; Columbus Ohio; Austin Texas; and New York City NY (opening Summer 2026).
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart wed love to hear from you!
The Team:
Upstarts Capital Markets team plays a pivotal role in securing loan funding capital for our AI lending marketplace. We collaborate with leading institutional investors across a diverse range of financing and funding solutions including securitizations whole loan sales co-investment partnerships and other structured transactions.
Within Capital Markets the Structured Products team oversees Upstarts securitization pass thru and financing programs. Upstart has been an active issuer in the asset-backed securities (ABS) markets since 2017 with over $9 billion in aggregate issuance to date. The team is the primary point of contact with major investment banks and other lenders / investors on Upstarts capital markets offerings while ensuring alignment across the business.
As theCapital Markets Manager - Structured Products at Upstart you will play a critical role in securing funding sources and structures by driving optimized execution on Upstarts securitization and warehouse programs. You have a strong track record within structured finance and are energized by building relationships across Capital Markets participants. You will leverage your technical expertise to review asset- and bond-level cashflow modeling to support structuring discussions and lead negotiations across our Structured Products offerings.
How youll make an impact
- Drive and execute strategy for Upstarts securitization issuance and asset-backed financing strategy
- Manage and deepen strategic partnerships with lenders investors and key market participants
- Partner closely with internal and external counsel to review and execute legal agreements
- Collaborate with cross-functional stakeholders (e.g. legal operations data analytics accounting) to navigate downstream implications of Upstarts funding structures
- Present on deal terms and status to leadership including Upstarts management team
- Coach and mentor junior team members
Minimum Qualifications
- 7 years of relevant experience in Capital Markets Structured Finance/Products investment banking or related roles
- Deep knowledge of capital markets and fixed income with hands-on experience modeling and executing a broad range of structured finance transactions
- Proven track record of strong cross-functional stakeholder management and influencing partners to drive outcomes
- Demonstrated experience coaching and mentoring a high-performing team that consistently punches above their weight
- Strong market instincts with a sharp read on risk sentiment / appetite and trusted by institutional clients
Preferred Qualifications
- Direct experience in capital markets at a fintech
- Deep knowledge of unsecured personal loan asset class
- MBA CFA or BA/BS degree in business finance economics or other analytical areas of study
- Skilled in deriving insights from complex data sets using Looker or similar software; knowledge of SQL a plus
- ABS or Asset Backed Securities
Position location: Local team members typically meet in person in the New York NY or San Mateo CA office once to three times weekly and work from home the rest of the time.
Time zone requirements The team operates flexibly between East coast and West coast time zones.
Travel requirements As a digital first company the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What youll love:
- Competitive Compensation (base bonus & equity)
- Comprehensive medical dental and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday vacation sick and safety leave
- Supportive parental family care and military leave programs
- Annual wellness technology & ergonomic reimbursement programs
- Social activities including team events and onsites all-company updates employee resource groups (ERGs) and other interest groups such as book clubs fitness investing and volunteering
- Catered lunches snacks & drinks when working in offices
#LI-REMOTE
#LI-MidSenior --> use for L5
At Upstart your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic locationwith our digital first philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills experience and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition Upstart provides employees with target bonuses equity compensation and generous benefits packages (including medical dental vision and 401k).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application interviewing completing any pre-employment testing or otherwise participating in the employee selection process please email
Manager
Key Skills
- Restaurant Experience
- Customer Service
- Employee Evaluation
- Management Experience
- Math
- Employment & Labor Law
- Sanitation
- Leadership Experience
- P&L Management
- Mentoring
- Supervising Experience
- Restaurant Management
About Company
Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit!
