Manager, Capital Markets, HELOC

About the Role:
We are looking for a Manager to join our Capital Markets team with a focus on hands-on execution across Upgrades institutional funding programs warehouse facilities forward flow whole loan sales and securitizations focusing on our new HELOC product. This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day working alongside the teams Institutional and FI execution leads.

This position reports into the VP of Capital Markets and is based in our San Francisco office in a hybrid capacity (Tuesdays Wednesdays and Thursdays in office).

What Youll Do:

• Serve as primary or backup execution support on a subset of Upgrades lending products partnering with the Institutional and FI Execution Leads on live warehouse forward flow and securitization transactions
• Own the day to day mechanics of deal execution: allocation reports purchase confirmations loan tape reviews funding and settlement coordination and closing checklists
• Support warehouse and ABS reporting as a backup owner covenant monitoring borrowing base calculations and timely delivery of investor reporting deliverables in partnership with the teams warehouse reporting leads
• Review and help negotiate legal documentation for structured finance transactions (purchase agreements servicing agreements side letters) alongside internal and outside counsel
• Analyze collateral performance using Excel SQL and Tableau to support pricing structuring and ongoing surveillance discussions
• Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank credit union and institutional investor counterparties
• Work cross-functionally with investor sales credit product treasury and engineering teams to support balance sheet management and data integrity across funding channels
• Support onboarding of new institutional investors warehouse facilities and securitization counterparties including operational setup and due diligence
• Take on ownership of ad hoc projects as the teams funding programs scale

What We Look For:

• 4 years of experience in capital markets asset-backed finance or a related consumer lending function.
• Familiarity with consumer lending and credit underwriting and asset-based/structured finance more broadly (warehouse facilities forward flow and/or ABS)
• Proficient in Excel; SQL and/or Tableau experience a plus
• Execution-oriented comfortable owning deliverables and deadlines on live transactions in a fast-paced environment
• Strong written and verbal communication skills with the judgment to work directly with external counterparties
• Highly organized detail-oriented and strong client service skills

About the Role:
We are looking for a Manager to join our Capital Markets team with a focus on hands-on execution across Upgrades institutional funding programs warehouse facilities forward flow whole loan sales and securitizations spanning our lending products (personal loan home improvement indirect auto BNPL Card and more). This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day working alongside the teams Institutional and FI execution leads.

This position reports into the VP of Capital Markets and is based in our San Francisco office in a hybrid capacity (Tuesdays Wednesdays and Thursdays in office).

What Youll Do:

• Serve as primary or backup execution support on a subset of Upgrades lending products partnering with the Institutional and FI Execution Leads on live warehouse forward flow and securitization transactions
• Own the day to day mechanics of deal execution: allocation reports purchase confirmations loan tape reviews funding and settlement coordination and closing checklists
• Support warehouse and ABS reporting as a backup owner covenant monitoring borrowing base calculations and timely delivery of investor reporting deliverables in partnership with the teams warehouse reporting leads
• Review and help negotiate legal documentation for structured finance transactions (purchase agreements servicing agreements side letters) alongside internal and outside counsel
• Analyze collateral performance using Excel SQL and Tableau to support pricing structuring and ongoing surveillance discussions
• Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank credit union and institutional investor counterparties
• Work cross-functionally with investor sales credit product treasury and engineering teams to support balance sheet management and data integrity across funding channels
• Support onboarding of new institutional investors warehouse facilities and securitization counterparties including operational setup and due diligence
• Take on ownership of ad hoc projects as the teams funding programs scale

What We Look For:

• 4 years of experience in capital markets asset-backed finance or a related consumer lending function.
• Familiarity with consumer lending and credit underwriting and asset-based/structured finance more broadly (warehouse facilities forward flow and/or ABS)
• Proficient in Excel; SQL and/or Tableau experience a plus
• Execution-oriented comfortable owning deliverables and deadlines on live transactions in a fast-paced environment
• Strong written and verbal communication skills with the judgment to work directly with external counterparties
• Highly organized detail-oriented and strong client service skills

What We Offer You:

• Competitive salary and stock option plan
• Medical dental and vision insurance with employer paid options
• Flexible PTO
• Competitive 401(k) and RRSP program
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives

The compensation range of this position in San Francisco CA and New York NY is USD $140000 - $160000 annually plus equity and benefits. Within this range an individuals base pay will be dependent on a variety of factors including without limitation job-related knowledge skills education and experience.

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