Associate, Capital Markets

  • Upgrade, Inc.
  • Remote
  • Jun 01, 2021
Full-time Fintech - Digital Banking Fintech - Lending

Job Description

Upgrade is a fintech unicorn backed by a top 10 global bank and other leading fintech investors. Founded in 2017, Upgrade has already delivered $4 billion in consumer credit and achieved $125 million in annual revenue run rate and cash profitability.
Upgrade is building a neobank offering exceptional value to mainstream consumers, including affordable and responsible credit through cards and loans. In 4 short years 12 million people have already applied for an Upgrade Card or loan.
Upgrade has been named a “Best Place to Work in the Bay Area” by the San Francisco Business Times and Silicon Valley Business Journal 3 years in a row, and received “Best Company for Women” and “Best Company for Diversity” awards from Comparably.
We are looking for new team members who get excited about designing and implementing new and better products and join a team of 450 talented and passionate professionals. Come join us if you like to tackle big problems and make a meaningful difference in people's lives.
We are looking for an Associate, Capital Markets for our Investor team to be based in our San Francisco office. The Associate, Capital Markets will be responsible for maintaining relationships with institutional investors, warehouse financing providers, investment banks, trustees and data providers (as we continue to grow our capital markets access).


    • Analyze various structured finance options (including warehouse facilities, securitizations, forward flow whole loan sales etc.) to determine optimal strategy based on internal goals and objectives
    • Develop and maintain relationships with institutional investors
    • Negotiate agreements related to structured finance transactions
    • Work with internal teams to develop best-in-class investor experience and document investor operations procedures
    • Work with product managers and engineers to ensure integrity of investor data reports
    • Manage the on-boarding of warehouse facilities and securitizations including operational setup and documentation review.


    • 5+ years of capital markets experience at a financial technology firm or investment bank
    • Background in Asset Backed Securities (ABS) is a plus
    • Superior written and verbal communication skills
    • Good judgment and excellent interpersonal skills
    • Highly organized, detail-oriented and a strong client service orientation
    • Ability to operate in a fast-paced environment and recognize and focus on critical issues

Benefits / Perks:

    • Great OPEN office location!  
    • Conveniently located in San Francisco Financial District
    • Close to BART and Public Transportation
    • Comprehensive benefits package: Medical, dental, & vision
    • Unlimited vacation policy
    • Kitchen stocked with beverages, snacks & treats