Capital Markets Manager

About Upstart: At Upstart, the mission is to radically reduce the cost and complexity of borrowing for all Americans by leveraging creativity, experimentation, and advanced AI to reshape access to credit. The company partners with banks and credit unions to expand access to affordable credit through technology that uses over 3,000 signals to make smarter, fairer decisions for millions of customers. Upstart operates as a digital-first company with flexibility for employees to work remotely or from offices in Columbus, Austin, the Bay Area, or New York City. Team and Role: The Capital Markets team is the funding engine for Upstart’s AI lending marketplace, partnering with institutional investors across various financing and funding solutions including securitizations, whole loan sales, co-investment partnerships, and other structured transactions. The Institutional Capital team has a track record of over $10 billion in funding capacity closed and manages Upstart’s whole loan relationships from lead generation to deal close. Position Location and Work Format: The role is remote within the United States, with local team members encouraged to meet in person in New York, NY or Burlingame, CA offices one to three times weekly. The majority of work can be accomplished remotely, with travel required for regular onsite collaboration sessions approximately twice per quarter. Responsibilities: — Manage end-to-end investor relationships including structuring, term negotiation, and deal execution — Drive clarity in ambiguous environments and manage competing priorities with high-quality execution across multiple stakeholders such as legal, operations, analytics, and accounting — Contribute to building a scalable and resilient capital markets infrastructure as the company grows — Provide cross-functional teams and senior leaders with clear insights into investor sentiment, market appetite, and emerging funding opportunities — Coach and mentor other team members regardless of title or level Requirements: — 6-8 years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related fintech roles — Extensive skills in modeling, credit analysis, and transaction documentation review — Proven track record of sound judgment on risk allocation and commercial terms — Knowledge of consumer lending products such as unsecured personal loans, auto loans, and HELOC is a plus Compensation and Benefits: — Anticipated base salary range: $168,400 to $232,900 USD per year, dependent on geographic location and individual qualifications — Target bonuses, equity compensation, and generous benefits including medical, dental, vision, and 401(k) with company match — Retirement benefits with company match up to $15,000 annually — Employee Stock Purchase Plan (US only) — Comprehensive health coverage and wellness resources — Paid time off, sick leave, company holidays, and family/parental leave — Family-centered benefits supporting fertility, parenthood, and caregiving — Employee Assistance Program offering mental health support — Financial wellness resources and concierge service (US only) — Annual wellness and productivity allowances — Community connection through team events and employee resource groups — Onsite perks including catered lunches and stocked micro-kitchens at offices Equal Opportunity: Upstart is an Equal Opportunity Employer committed to inclusive and fair hiring practices. Reasonable accommodations are available upon request during the application process. To apply, visit: https://weworkremotely.com/remote-jobs/upstart-capital-markets-manager