Manager, Capital Markets Reporting

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.

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About the Role:

We are looking for a Manager to join our Capital Markets team for an exciting opportunity to manage warehouse facility operations across all five of Upgrade’s lending products (personal loan, card, home improvement, indirect auto, and BNPL). This role has high visibility in the organization and is critical to the firm’s balance sheet and liquidity management and forecasting strategy. This position reports into the VP of Capital Markets, and is based in our San Francisco office in a hybrid capacity (specifically on Tuesdays, Wednesdays, and Thursdays).

What You'll Do:

• Manage all aspects of warehouse facilities, including monitoring of utilization and performance
• Prepare borrowing base reports for lenders to facilitate borrowing requests and cash disbursements
• Prepare monthly servicer reports for lenders, ensuring compliance with covenants and data integrity
• Conduct ongoing maintenance of Upgrade's warehouse facilities, including monitoring and documenting terms and eligibility criteria
• Support the Capital Markets Execution team with due diligence requests and developing reports required by new lenders
• Own liquidity forecasting models to manage daily cash management and liquidity operations
• Collaborate with internal credit, product, treasury, and operations teams to develop an effective framework for balance sheet management across lending products

What We Look For:

• 5+ years of capital markets experience
• Deep understanding of warehouse facility operations and reporting obligations
• Understanding of secured and unsecured consumer lending and credit underwriting
• Knowledge and experience of executing structured finance transactions and/or asset-backed securities (ABS) markets
• Ability to operate in a fast-paced environment to meet deal deadlines
• Superior written and verbal communication skills
• Good judgment and excellent interpersonal skills
• Highly organized, detail-oriented, and strong client service skills

Nice to Have:

• Advanced in MS Excel, SQL, and Tableau (nice to have)

What We Offer You:

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance
• Flexible PTO
• Opportunities for professional growth and development
• Paid parental leave
• Health & wellness initiatives