Capital Markets Lead, Auto
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Job Location:
Dallas, IA - USA
Monthly Salary:
Not Disclosed
Posted on:
2 days ago
Vacancies:
1 Vacancy
Job Summary
About Upstart
At Upstart were united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day we bring creativity experimentation and advanced AI to reshape access to credit helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace we partner with banks and credit unions to expand access to affordable credit through technology thats both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1800 signals powering smarter fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea every voice and every contribution moves us closer to a world where credit never stands between people and their financial progress.
Were proudly digital-first giving most Upstarters the flexibility to do their best work from wherever they thrive alongside teammates across 80 cities in the US and Canada. Digital-first doesnt mean distant. Were intentional about in-person connection through team onsites planning sessions and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus Austin the Bay Area or New York City (opening Summer 2026) youll have the support to work in the way that works best for you.
If youre energized by tackling meaningful problems excited to innovate with purpose and motivated by work that truly matters wed love to hear from you.
The Team:
UpstartsCapital Markets team plays a pivotal role in securing loan funding capital for our AI lending marketplace. We collaborate with leading institutional investors and lenders 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 Auto team is tasked with managing efficient and cost-effective funding for the growth of Upstarts indirect retail and refinance auto lending platforms.
As theCapital Markets Lead - Auto at Upstart you will play a critical role in securing funding sources and structures by driving optimized execution on Upstarts whole loan sales co-investment partnerships warehouses and development of a new auto securitization platform. You have a strong track record within structured finance and are energized by building relationships across Capital Markets participants. You will leverage your auto and technical expertise to review collateral and credit analysis as well as asset- and bond-level cashflow modeling to support structuring discussions and lead discussions across our auto product offerings.
How youll make an impact
- Drive and execute strategy for Upstarts auto asset-backed financing and balance sheet 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
- 4 years of relevant experience in Capital Markets Structured Finance/Products investment banking or related roles
- Deep knowledge of auto 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 auto asset class
- ABS or Asset Backed Securities
- Experience negotiating private transaction terms
- 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
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
Travel requirements As a digital first company the majority of your work can be accomplished remotely. This role could require every other month travel.
#LI-REMOTE
#LI-Associate
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).
What youll love
At Upstart our benefits are designed to support your health financial well-being family and personal growth. Heres what you can expect:
- Competitive compensation including base pay bonus opportunities and annual equity grants that vest quarterly
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical dental and vision coverage with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits including company-paid Basic Life AD&D and Short- and Long-Term Disability coverage with options to purchase supplemental coverage
- Paid time off sick and safe time and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo supporting fertility parenthood and caregiving
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources including access to financial planning tools and a financial concierge service
- Annual wellness allowance to support your physical and emotional well-being and personal development based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work no matter where you work from
- Connection and community through team events and onsites all-company updates and employee resource groups (ERGs)
- Onsite perks including catered lunches and fully stocked micro-kitchens when working from one of our four offices located in the Bay Area Austin Columbus and New York City (opening Summer 2026!).
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
Key Skills
- Administrative Skills
- Facilities Management
- Biotechnology
- Creative Production
- Design And Estimation
- Architecture
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!
