Capital Markets Manager

Capital Markets Manager
- Structured Products

As the Capital Markets Manager
- Structured Products at Upstart, you will play a critical role in securing funding sources and structures by driving optimized execution on Upstart’s securitization and warehouse programs. You will leverage your technical expertise to review asset- and bond-level cashflow modeling to support structuring discussions and lead negotiations across our Structured Products offerings.

• Drive and execute strategy for Upstart’s securitization issuance and asset-backed financing strategy
• Manage and deepen strategic partnerships with lenders, investors, and key market participants
• Partner closely with internal and external counsel to review and execute legal agreements
• Collaborate with cross-functional stakeholders (e.g., legal, operations, data analytics, accounting) to navigate downstream implications of Upstart’s funding structures
• Present on deal terms and status to leadership including Upstart’s management team
• Coach and mentor junior team members

• 7+ years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related roles
• Deep knowledge of capital markets and fixed income, with hands‑on experience modeling and executing a broad range of structured finance transactions
• Proven track record of strong cross‑functional stakeholder management and influencing partners to drive outcomes
• Demonstrated experience coaching and mentoring a high‑performing team that consistently punches above their weight
• Strong market instincts with a sharp read on risk sentiment / appetite and trusted by institutional clients

• Direct experience in capital markets at a fintech
• Deep knowledge of unsecured personal loan asset class
• MBA, CFA, or BA/BS degree in business, finance, economics, or other analytical areas of study
• Skilled in deriving insights from complex data sets using Looker or similar software; knowledge of SQL a plus
• ABS or Asset Backed Securities

Local team members typically meet in person in the New York, NY or San Mateo, CA office once to three times weekly and work from home the rest of the time. The team operates flexibly between East Coast and West Coast time zones. The majority of the work can be accomplished remotely, but in‑person collaboration is encouraged.

Anticipated base salary range: $194,000 — $269,000 USD. Base pay is one part of the total compensation package, which also includes target bonuses, equity compensation, and generous benefits.

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement benefits with a 401(k) or Group Retirement Savings Plan and a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage including medical, dental, vision, and wellness resources for US and supplemental coverage for Canada
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage
• Paid time off, sick leave, and company holidays in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family‑centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life‑centered resources
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
• Annual wellness allowance and annual productivity allowance for tools and resources you need to do your best work
• Connection and community through team events, all‑company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro‑kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please email candida