Upgrade, Inc

We are looking for a Director to join our Capital Markets team for an exciting opportunity to establish and maintain funding capital from relationships with institutional investors across all five of Upgrade’s lending products (personal loan, card, home improvement, indirect auto, and BNPL).. Understand and negotiate legal agreements related to structured finance transactions. Manage and support onboarding new institutional investors, warehouse facilities, and securitization deals, including operational setup, due diligence, and documentation review. Work with operations and engineering teams to ensure data integrity of investor reporting. Knowledge and experience of executing structured finance transactions and/or asset-backed securities (ABS) markets

capital markets

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About the Role:
We are looking for a Director to join our Capital Markets team for an exciting opportunity to establish and maintain funding capital from relationships with institutional investors across all five of Upgrade’s lending products (personal loan, card, home improvement, indirect auto, and BNPL). This role has high visibility in the organization and can influence the strategic execution of large transactions for the company.
This position reports into the VP of Capital Markets, and is based in our San Francisco office.
What You’ll Do:
<ul>
<li>Analyze various financing options (including warehouse facilities, securitizations, forward flow whole loan sales, etc.) to determine the optimal funding strategy across all lending products (personal loan, card, home improvement, indirect auto, and BNPL)</li>
<li>Understand and negotiate legal agreements related to structured finance transactions</li>
<li>Provide analysis on collateral performance by leveraging tools such as Excel, SQL, and Tableau</li>
<li>Ensure timely circulation of reporting deliverables and monitoring of covenants across transactions and products</li>
<li>Collaborate with internal credit, product, treasury, and operations teams to develop an effective framework for balance sheet management across lending products</li>
<li>Manage and support onboarding new institutional investors, warehouse facilities, and securitization deals, including operational setup, due diligence, and documentation review</li>
<li>Develop and maintain strong relationships with institutional investors to deliver a best-in-class experience</li>
<li>Work with operations and engineering teams to ensure data integrity of investor reporting</li>
<li>Provide support to various ongoing and future projects as needed</li>
</ul>
What We Look For:
<ul>
<li>7+ years of capital markets experience</li>
<li>Advanced in MS Suite, SQL, and Tableau</li>
<li>Understanding of secured and unsecured consumer lending and credit underwriting</li>
<li>Knowledge and experience of executing structured finance transactions and/or asset-backed securities (ABS) markets</li>
<li>Ability to operate in a fast-paced environment to meet deal deadlines</li>
<li>Superior written and verbal communication skills</li>
<li>Good judgment and excellent interpersonal skills</li>
<li>Highly organized, detail-oriented, and strong client service skills</li>
</ul>
What We Offer You:
<ul>
<li>Competitive salary and stock option plan</li>
<li>100% paid coverage of medical, dental and vision insurance</li>
<li>Flexible PTO</li>
<li>Opportunities for professional growth and development</li>
<li>Paid parental leave</li>
<li>Health & wellness initiatives</li>
</ul>
The compensation range of this position in San Francisco, CA is USD $165,000 - $200,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.
#BI-Hybrid #LI-Hybrid
<h3>Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact ccpa@upgrade.com.</h3>
<h3>Personal Information Upgrade Collects:</h3>
<h3>Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of recruitment, job application, or interview process.</h3>
<h3>Purposes for Collecting Personal Information:</h3>
<h3>To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.</h3>
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