Capital Markets Manager, Emerging Products

Upstart is a leading AI lending marketplace committed to reducing the cost and complexity of borrowing for all Americans. The Capital Markets Manager will drive execution across securitization and warehouse programs while collaborating with investors and internal teams to bring new products to market.

Responsibilities:

• Drive execution of Upstart’s securitization issuance and asset-backed financing strategy across multiple products
• Structure and model asset-backed transactions, including reviewing collateral performance and bond cashflows
• Build and maintain relationships with institutional investors, lenders, and banking partners
• Lead investor discussions, including presenting new products and opportunities with limited historical performance data
• Partner with legal, operations, analytics, and accounting to execute transactions and ensure alignment across stakeholders
• Present transaction updates, market insights, and funding strategies to senior leadership
• Support development of junior team members through coaching and guidance

Requirements:

• 7+ years of experience in capital markets, structured finance, investment banking, or a related field
• Experience structuring and executing asset-backed securities (ABS) or other structured finance transactions
• Experience building and reviewing asset-level and bond-level cashflow models
• Experience presenting investment opportunities, transaction structures, or financial products to institutional investors
• Bachelor's degree in finance, economics, or a quantitative field (or equivalent practical experience)
• Experience working with new or emerging financial products with limited historical performance data
• Knowledge of unsecured consumer lending or similar asset classes
• Experience working in a fintech or technology-enabled financial services environment
• Ability to translate complex data into clear investment narratives for external audiences
• MBA, CFA, or other advanced degree