Capital Markets Analyst

Upgrade • San Francisco, CA

153d • $100,000 - $115,000

About The Position

We are looking for an Analyst to join our Capital Markets team for an exciting opportunity to support 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 in a hybrid capacity (specifically on Tuesdays, Wednesdays, and Thursdays).

Requirements

• 1-3 years of capital markets, finance, securitization or other relevant experience.
• Proficiency in Excel, SQL, Python, Tableau for complex data extraction and manipulation of large loan-level datasets to analyze portfolio performance and stratifications.
• Ability to operate in a fast-paced environment to meet deal deadlines.
• An intense intellectual curiosity and a quantitative mindset, with a proven ability to solve complex, unstructured problems.
• Superior written and verbal communication skills.
• Good judgment and excellent interpersonal skills.
• Highly organized, detail-oriented, and strong client service skills.

Nice To Haves

• Direct experience with consumer asset classes (personal loans, credit card, auto) is a plus.

Responsibilities

• Quarterback the deal execution process from inception to closing, managing timelines and deliverables across legal, accounting, credit risk, treasury, operations, reporting, underwriting banks, rating agencies, trustees and investor teams to ensure seamless transactions.
• Liaison with all internal and external parties involved in the transaction including, internal and external legal counsel, trustees, accounting firms, underwriters/brokers (modeling / reverse engineering structures and tying out with banks and investors and negotiating/coordinating required disclosures and legal transactional documents.)
• Collaborate across organization to execute transactions across all-five lending product(s) and capital stack.
• Support legal agreements review related to structured finance transactions.
• Provide analysis on collateral performance by leveraging tools such as Excel, SQL, Python and Tableau.
• Ensure timely circulation of reporting deliverables and monitoring of covenants across transactions and products.
• Partner with internal and external counsel, lead review and negotiation of transactional terms/amendments through to execution.
• 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.
• Proactively identify and implement opportunities to optimize transaction structures, automate reporting, and enhance our capital markets platform through new processes and technology.

Benefits

• Direct mentorship from seasoned Capital Markets leaders and unparalleled exposure to C-suite executives and strategic decision-making.
• Competitive salary and stock option plan.
• 100% paid coverage of medical, dental and vision insurance.
• Flexible PTO.
• Opportunities for professional growth and development.
• Paid parental leave.
• Health & wellness initiatives.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 1,001-5,000 employees