Job Specifications
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we've helped over 7 million customers access over $40 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We're backed by some of the most prominent technology investors and were most recently valued at $6.3B.
We're consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World's Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America's Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.
We're looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.
About the Role:
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.
What You'll Do:
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.
What We Look For:
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
Good judgment and excellent interpersonal skills
Highly organized, detail-oriented, and strong client service skills
Nice to Have:
Direct experience with consumer asset classes (personal loans, credit card, auto) is a plus
What We Offer You:
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
The compensation range of this position in San Francisco, CA is USD $100,000 - $115,000 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.
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We are an equal opportunity employer and value diversity at our company. We do not discriminate on th