Manager, Capital Markets Structurer

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.

We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal.

We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.

About the Role

We are seeking an experienced and highly analytical Structurer to join our dynamic Capital Markets team. This high-impact role is at the center of our funding strategy, responsible for the execution of financing and ABS transactions across our entire suite of consumer credit products: Personal Loans, Card, Home Improvement, Indirect Auto, and BNPL Travel. The position reports directly to the Head of Capital Markets Structured Solutions. You will be a key player in a fast-paced environment, working closely with senior leadership, internal teams, and external partners to bring innovative structured solutions to market. This role will be based in our New York office in a hybrid capacity, 2-3 times per week.

What You'll Do:

• Structure and analyze ABS securitizations and loan sale transactions backed by consumer credit collateral.

• Build, audit, and run complex cashflow models (Intex/Excel/VBA) to evaluate structures, optimize economics, and meet investor needs.

• Drive forward flow, warehouse, and term securitization transactions from term sheet through closing, working closely with legal, finance, and rating agencies.

• Perform in-depth collateral analyses, pool stratifications, and economic scenarios to inform deal structure and investor discussions.

• Partner with internal teams (credit, finance, legal) and external stakeholders (banks, underwriters, rating agencies) to ensure smooth and timely execution.

• Draft and review investor materials, offering documents, and structural term sheets with accuracy and attention to detail.

• Own communications with prospective and existing investors on collateral performance, structure, and transaction updates.

What We Look For:

• 6+ years of experience in capital markets, securitization, or structured finance. (Consumer ABS experience is strongly preferred).

• Advanced knowledge of Excel for financial modeling is required.

• Proven experience analyzing consumer credit portfolios and structuring ABS transactions.

• Highly organized, detail-oriented, and resourceful, with the ability to manage complex workstreams independently.

• Strong communication skills with the ability to clearly explain technical concepts to internal and external audiences.

• Bachelor’s degree is required; a quantitative or finance discipline is preferred.

• Travel: Willingness to travel 6–8 times per year for investor conferences and meetings.

Nice to Have:

• Proficiency with SQL or Python for data analysis and automation.

• A CFA designation or an advanced degree.

• Proficiency with Intex, VBA, or similar cashflow modeling tools.

What We Offer You:

• Competitive salary and stock option plan

• 100% paid coverage of medical, dental and vision insurance

• 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 New York City is USD $150,000-$200,000 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.

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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. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.