Capital Markets Manager

Bazeta; New York, Burlingame (NY, CA); Hybrid; USD 168,000 - 233,000; Full time

Job summary

Upstart, a leading AI lending marketplace, is hiring a Capital Markets Manager in the United States. You will drive end-to-end investor relationships, structure deals, and contribute to a scalable capital markets infrastructure while collaborating with legal, operations, analytics, and accounting teams.

This senior role requires 6–8 years in capital markets or related fintech, strong modeling and credit analysis skills, and a track record of negotiating terms.

Qualifications

• 6-8 years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related fintech roles.
• Extensive modeling, credit analysis, and transaction documentation review skills.
• Track record of exercising sound judgment on risk allocation and commercial terms.
• Knowledge of consumer lending product (unsecured PL, auto, HELOC) is a plus.

Responsibilities

• Manage end-to-end investor relationships: structuring, term negotiation, deal execution
• Drive clarity in ambiguous environments and manage competing priorities with high quality execution, across multiple stakeholders (legal, operations, analytics, accounting)
• Contribute to building a scalable, resilient capital markets infrastructure as we grow
• Provide cross functional teams and senior leaders with a clear, well-calibrated view of investor sentiment, market appetite, and emerging funding opportunities
• Coach and mentor other team members regardless of title/level – you clearly bring something unique to the table!

Skills

Modeling

Credit analysis

Transaction docs review

Job description

# Capital Markets ManagerUnited States6 hours agoID 3082820Price on request## DetailsEmployment type: Full-timeRemote: YesCompany: UpstartLevel: Senior## DescriptionAbout Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Capital Markets team is the funding engine for Upstart’s AI lending marketplace. We partner with leading institutional investors across a diverse range of financing and funding solutions including securitizations, whole loan sales, co-investment partnerships and other structured transactions. The Institutional Capital team has built a durable capital franchise with a track record of over $10+B of funding capacity closed. We own Upstart’s whole loan relationships from lead generation to deal close across forward flow and back book transactions. Upstart’s funding engine starts with this team. We connect product innovation and borrower demand with scalable, risk-adjusted capital. As the Capital Markets Manager - Institutional Capital, you will play a critical role in shaping our overall funding strategy. You are comfortable driving deals from inception through execution, bring deep expertise in structured finance, and approach established concepts with first-principles thinking. You have cultivated a strong industry network and are a genuine, trusted partner to both internal and external stakeholders. You thrive in nimble, fast-paced environments, with an exceptional ability to bring clarity and structure to complexity. We are looking for someone who shares our passion for harnessing financial innovation and capital markets to expand access to credit at a massive scale. Position Location - Local team members are encouraged to meet in person in the New York, NY or Burlingame, CA office once to three times weekly and work from home the rest of the time. 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 and are required to travel for in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet ~twice per quarter for 3-4 consecutive days at a time. Time Zone Requirements - This team operates on the East/West Coast time zones. How you’ll make an impact: • Manage end-to-end investor relationships: structuring, term negotiation, deal execution • Drive clarity in ambiguous environments and manage competing priorities with high quality execution, across multiple stakeholders (legal, operations, analytics, accounting) • Contribute to building a scalable, resilient capital markets infrastructure as we grow • Provide cross functional teams and senior leaders with a clear, well-calibrated view of investor sentiment, market appetite, and emerging funding opportunities • Coach and mentor other team members regardless of title/level – you clearly bring something unique to the table! What we’re looking for: • 6-8 years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related fintech roles • Extensive modeling, credit analysis, and transaction documentation review skills • Track record of exercising sound judgment on risk allocation and commercial terms • Knowledge of consumer lending product (unsecured PL, auto, HELOC) is a plus #LI-REMOTE #LI-MidSenior 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 $168,400—$232,900 USD What you'll love At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly...