Capital Markets Manager: HELOC, Securitizations & Execution

Shoptalk; San Francisco (CA); On-site; USD 140,000 - 160,000; Full time

Benefits offered by this job

Stock options

Health insurance

Flexible PTO

401(k) & RRSP

Growth opportunities

Parental leave

Wellness program

Job summary

Upgrade is seeking a Manager to join our Capital Markets team in San Francisco, focused on hands-on execution across warehouse facilities, forward flow, and securitizations. You will manage live transactions, coordinate funding, and partner with institutional and FI leads in a fast-paced environment.

The role requires 4+ years in capital markets or asset-backed finance, strong Excel skills, and experience with SQL/Tableau. This is a hybrid role based in SF with in-office days.

Qualifications

• 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 (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.

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, 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.

Skills

Capital markets

Asset-backed finance

Excel

SQL

Tableau

Execution-oriented

Communication skills

Organization

Tools

SQL

Tableau

Excel

Job description

Upgrade is seeking a Manager to join our Capital Markets team in San Francisco, focused on hands-on execution across warehouse facilities, forward flow, and securitizations. You will manage live transactions, coordinate funding, and partner with institutional and FI leads in a fast-paced environment.

The role requires 4+ years in capital markets or asset-backed finance, strong Excel skills, and experience with SQL/Tableau. This is a hybrid role based in SF with in-office days.