Capital Markets Manager
About The Position
As the Capital Markets Manager, Structured Products, you will help shape and execute the financing strategy that supports Upstart’s AI lending marketplace. You will lead complex warehouse, securitization, and other structured financing transactions, partnering with investors, banks, legal counsel, and internal stakeholders to deliver scalable funding solutions. The role calls for a strong structured-finance track record, relationship-building across capital markets participants, technical expertise reviewing asset- and bond-level cash-flow models, and leadership in negotiations across Structured Products offerings. Upstart’s Capital Markets team secures loan-funding capital for its AI lending marketplace through solutions including securitizations, whole-loan sales, co-investment partnerships, and other structured transactions. The Structured Products team oversees securitization, pass-through, and financing programs, and serves as the primary point of contact with major investment banks, lenders, and investors on capital markets offerings. The team operates flexibly across East Coast and West Coast time zones. The position requires working from the New York, NY or Burlingame, CA office one to three times weekly. Most work can be accomplished remotely, with in-person collaboration through team onsites; most teams meet once or twice per quarter for two to four consecutive days. The role is listed as remote in the salary section, while the in-office requirement specifies the office cadence above.
Requirements
- At least 7 years of experience in Capital Markets, Structured Finance, Investment Banking, or a related field.
- Experience structuring and executing warehouse facilities, securitizations, asset-backed financings, or other structured finance transactions.
- Experience developing financial models and analyzing asset- and bond-level cash flows.
- Experience partnering with internal and external stakeholders to negotiate and execute financing transactions.
- Experience building and managing relationships with institutional investors, banks, or other financing partners.
Nice To Haves
- Experience in capital markets within a fintech or financial institution.
- Knowledge of consumer lending, structured finance, or asset-backed securities markets.
- MBA, CFA, or a bachelor’s degree in Business, Finance, Economics, or another analytical field.
- Ability to derive insights from complex datasets using Looker, SQL, Bloomberg, Intex, or similar analytical tools.
- Ability to cultivate relationships with institutional investors, banks, and financing partners.
Responsibilities
- Drive execution of securitization issuances, warehouse facilities, and other asset-backed financing transactions.
- Build and deepen strategic relationships with lenders, investors, and other capital markets participants.
- Partner with internal and external legal counsel to negotiate, review, and execute financing agreements.
- Collaborate with Legal, Accounting, Data Analytics, Finance, and Operations to structure and execute financing transactions.
- Present transaction updates, financing strategies, and market insights to senior leadership.
- Coach and mentor junior team members and contribute to the growth of the Structured Products team.
- Review asset- and bond-level cash-flow modeling to support structuring discussions.
- Lead negotiations across Structured Products offerings.
Benefits
- Target bonuses and equity compensation.
- Medical, dental, and vision coverage.
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.
- Employee Stock Purchase Plan with discounted stock purchase options for eligible US employees.
- Health Savings Account contributions for eligible US plans.
- Life insurance and disability coverage.
- Paid time off, sick leave, and company holidays.
- Paid family and parental leave.
- Family-centered fertility, parenthood, and caregiving benefits.
- Employee Assistance Program with mental health support and life-centered resources.
- Financial wellness resources, including financial planning tools and a financial concierge service for US employees.
- Annual wellness allowance.
- Annual productivity allowance.
- Team events, company updates, and employee resource groups.
- Catered lunches and stocked micro-kitchens at specified offices.
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What This Job Offers
Job Type
Full-time
Career Level
Manager
Education Level
No Education Listed
