Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

We are looking for an enthusiastic and driven Analyst to join our Capital Markets team for an exciting opportunity to support the team in establishing and maintaining funding capital from relationships with institutional investors across all five of Upgrade’s lending products (personal loan, card, home improvement, indirect auto, and BNPL). This position reports into the Director 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:

• Analyze various financing options (including warehouse facilities, securitizations, forward flow whole loan sales, etc.) to determine the optimal funding strategy across all lending products (personal loan, card, home improvement, indirect auto, and BNPL)
• Support Capital Market teams to ensure seamless progression from sourcing to funding of transactions.
• Provide analysis on collateral performance by leveraging tools such as Excel, SQL, and Tableau
• Ensure timely circulation of reporting deliverables and monitoring of covenants across transactions and products
• Collaborate with internal credit, product, treasury, and operations teams to develop an effective framework for balance sheet management across lending products
• Develop and maintain strong relationships with institutional investors to deliver a best-in-class experience
• Work with lines of business and other finance teams to develop new product analysis, including portfolio/collateral characteristics, peer group funding analysis and collateral comparison, rating agency report review, and any other information to support new product funding strategies
• Provide support to various ongoing and future projects as needed
• Perform deep collateral analysis on transactions and as part of portfolio monitoring, to support funding, investor analysis and management review.

What We Look For:

• 1+ years of capital markets experience
• Advanced in MS Suite, SQL, and Tableau
• 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

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

The compensation range of this position in San Francisco, CA is USD $90,000-$100,000 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.

#BI-Hybrid #LI-Hybrid

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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.