Sr. Capital Markets Manager
Upstart, San Mateo, CA, United States
Capital Markets Manager – Structured Products
As the Capital Markets Manager – Structured Products at Upstart, you will play a critical role in securing funding sources and structures by driving optimized execution on Upstart’s securitization and warehouse programs.
You have a strong track record within structured finance and are energized by building relationships across Capital Markets participants. You will leverage your technical expertise to review asset‑and bond‑level cashflow modeling to support structuring discussions and lead negotiations across our Structured Products offerings.
How you’ll make an impact
Drive and execute strategy for Upstart’s securitization issuance and asset‑backed financing strategy
Manage and deepen strategic partnerships with lenders, investors, and key market participants
Partner closely with internal and external counsel to review and execute legal agreements
Collaborate with cross‑functional stakeholders (e.g., legal, operations, data analytics, accounting) to navigate downstream implications of Upstart’s funding structures
Present on deal terms and status to leadership including Upstart’s management team
Coach and mentor junior team members
Minimum Qualifications
7+ years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related roles
Deep knowledge of capital markets and fixed income, with hands‑on experience modeling and executing a broad range of structured finance transactions
Proven track record of strong cross‑functional stakeholder management and influencing partners to drive outcomes
Demonstrated experience coaching and mentoring a high‑performing team that consistently punches above their weight
Strong market instincts with a sharp read on risk sentiment / appetite and trusted by institutional clients
Preferred Qualifications
Direct experience in capital markets at a fintech
Deep knowledge of unsecured personal loan asset class
MBA, CFA, or BA/BS degree in business, finance, economics, or other analytical areas of study
Skilled in deriving insights from complex data sets using Looker or similar software; knowledge of SQL a plus
ABS or Asset Backed Securities
Position Location Local team members typically meet in person in the New York, NY or San Mateo, CA office once to three times weekly and work from home the rest of the time.
Time Zone Requirements The team operates flexibly between East coast and West coast time zones.
Travel Requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S. but are encouraged to still spend high‑quality time in‑person collaborating via regular onsites. The in‑person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location – with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job‑related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range $168,000—$232,000 USD
What you’ll love
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company‑paid Basic Life, AD&D, and Short‑ and Long‑Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family‑centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
Employee Assistance Program (EAP) offering mental health support and life‑centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service
Annual wellness allowance to support your physical and emotional well‑being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events and onsites, all‑company updates, and employee resource groups (ERGs)
On‑site perks, including catered lunches and fully stocked micro‑kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com
Candidate privacy policy
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You have a strong track record within structured finance and are energized by building relationships across Capital Markets participants. You will leverage your technical expertise to review asset‑and bond‑level cashflow modeling to support structuring discussions and lead negotiations across our Structured Products offerings.
How you’ll make an impact
Drive and execute strategy for Upstart’s securitization issuance and asset‑backed financing strategy
Manage and deepen strategic partnerships with lenders, investors, and key market participants
Partner closely with internal and external counsel to review and execute legal agreements
Collaborate with cross‑functional stakeholders (e.g., legal, operations, data analytics, accounting) to navigate downstream implications of Upstart’s funding structures
Present on deal terms and status to leadership including Upstart’s management team
Coach and mentor junior team members
Minimum Qualifications
7+ years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related roles
Deep knowledge of capital markets and fixed income, with hands‑on experience modeling and executing a broad range of structured finance transactions
Proven track record of strong cross‑functional stakeholder management and influencing partners to drive outcomes
Demonstrated experience coaching and mentoring a high‑performing team that consistently punches above their weight
Strong market instincts with a sharp read on risk sentiment / appetite and trusted by institutional clients
Preferred Qualifications
Direct experience in capital markets at a fintech
Deep knowledge of unsecured personal loan asset class
MBA, CFA, or BA/BS degree in business, finance, economics, or other analytical areas of study
Skilled in deriving insights from complex data sets using Looker or similar software; knowledge of SQL a plus
ABS or Asset Backed Securities
Position Location Local team members typically meet in person in the New York, NY or San Mateo, CA office once to three times weekly and work from home the rest of the time.
Time Zone Requirements The team operates flexibly between East coast and West coast time zones.
Travel Requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S. but are encouraged to still spend high‑quality time in‑person collaborating via regular onsites. The in‑person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location – with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job‑related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range $168,000—$232,000 USD
What you’ll love
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company‑paid Basic Life, AD&D, and Short‑ and Long‑Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family‑centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
Employee Assistance Program (EAP) offering mental health support and life‑centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service
Annual wellness allowance to support your physical and emotional well‑being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events and onsites, all‑company updates, and employee resource groups (ERGs)
On‑site perks, including catered lunches and fully stocked micro‑kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com
Candidate privacy policy
#J-18808-Ljbffr