Manager, Capital Markets, HELOC

United States·San Franciscomid

OtherCapital Markets

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Quick Summary

Key Responsibilities

Serve as primary or backup execution support on a subset of Upgrade's lending products, partnering with the Institutional and FI Execution Leads on live warehouse, forward flow,

Technical Tools

OtherCapital Markets

About the Role

~2 min read

Serve as primary or backup execution support on a subset of Upgrade's 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 team's 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 team's funding programs scale

Serve as primary or backup execution support on a subset of Upgrade's 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 team's 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 team's funding programs scale

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

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