Capital Markets Analyst

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.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 stackSupport legal agreements review related to structured finance transactionsProvide analysis on collateral performance by leveraging tools such as Excel, SQL, Python and TableauEnsure timely circulation of reporting deliverables and monitoring of covenants across transactions and productsPartner 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 reviewWork with operations and engineering teams to ensure data integrity of investor reportingProactively 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 experienceProficiency in Excel, SQL, Python, Tableau for complex data extraction and manipulation of large loan-level datasets to analyze portfolio performance and stratificationsAbility to operate in a fast-paced environment to meet deal deadlinesAn intense intellectual curiosity and a quantitative mindset, with a proven ability to solve complex, unstructured problemsSuperior written and verbal communicationGood judgment and excellent interpersonal skillsHighly organized, detail-oriented, and strong client service skillsNice to Have:Direct experience with consumer asset classes (personal loans, credit card, auto) is a plusWhat We Offer You:Direct mentorship from seasoned Capital Markets leaders and unparalleled exposure to C-suite executives and strategic petitive salary and stock option plan100% paid coverage of medical, dental and vision insuranceFlexible PTOOpportunities for professional growth and developmentPaid parental leaveHealth & wellness initiativesThe 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.#BI-HybridFor California residents:Upgrade's CaliforniaNotice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. 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Created: 2025-09-17