Manager, Capital Markets Structurer

Upgrade • New York, NY

85d • $150,000 - $200,000

About The Position

We are seeking an experienced and highly analytical Structurer to join our dynamic Capital Markets team. This high-impact role is at the center of our funding strategy, responsible for the execution of financing and ABS transactions across our entire suite of consumer credit products: Personal Loans, Card, Home Improvement, Indirect Auto, and BNPL Travel. The position reports directly to the Head of Capital Markets Structured Solutions. You will be a key player in a fast-paced environment, working closely with senior leadership, internal teams, and external partners to bring innovative structured solutions to market. This role will be based in our New York office in a hybrid capacity, 2-3 times per week.

Requirements

• 3–6+ years of experience in capital markets, securitization, or structured finance. (Consumer ABS experience is strongly preferred).
• Advanced knowledge of Excel for financial modeling is required.
• Proficiency with Intex, VBA, or similar cashflow modeling tools is a strong plus.
• Proven experience analyzing consumer credit portfolios and structuring ABS transactions.
• Highly organized, detail-oriented, and resourceful, with the ability to manage complex workstreams independently.
• Strong communication skills with the ability to clearly explain technical concepts to internal and external audiences.
• A Bachelor’s degree is required; a quantitative or finance discipline is preferred.
• Willingness to travel 6–8 times per year for investor conferences and meetings.

Nice To Haves

• Proficiency with SQL or Python for data analysis and automation.
• A CFA designation or an advanced degree.

Responsibilities

• Structure and analyze ABS securitizations and loan sale transactions backed by consumer credit collateral.
• Build, audit, and run complex cashflow models (Intex/Excel/VBA) to evaluate structures, optimize economics, and meet investor needs.
• Drive forward flow, warehouse, and term securitization transactions from term sheet through closing, working closely with legal, finance, and rating agencies.
• Perform in-depth collateral analyses, pool stratifications, and economic scenarios to inform deal structure and investor discussions.
• Partner with internal teams (credit, finance, legal) and external stakeholders (banks, underwriters, rating agencies) to ensure smooth and timely execution.
• Draft and review investor materials, offering documents, and structural term sheets with accuracy and attention to detail.
• Own communications with prospective and existing investors on collateral performance, structure, and transaction updates.

Benefits

• 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: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 1,001-5,000 employees