Upgrade Inc.
Manager, Capital Markets
San Francisco · Mid
Stay score
odds of building a lasting career here
Sponsors, but it's cap-subject — you still face the weighted lottery (~45% per draw at Level III). Good if you win; have a cap-exempt backup on your list.
Lottery odds assume a STEM candidate.
Personalize to your clock →H-1B wage level
the lottery is wage-weighted — each level is one more entry
Even the top of this range is below the Level II threshold of $191,651, so this role stays at one lottery entry however you negotiate. That is a property of the posted band, not of you.
DOL prevailing wage, 2026-27 wage year · Financial Managers (11-3031) · San Francisco-Oakland-Fremont, CA. Wage level is derived by USCIS from the offered wage, occupation and worksite; the occupation shown is inferred from the job title.
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Files H-1B transfers
Sourced from Department of Labor LCA, PERM and prevailing-wage disclosure data. Employer matching is by name, so figures may be split across an employer's legal entities. Absence of a filing means none appears in our copy of the data, not that none exists.
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About the role
- This position reports into the VP of Capital Markets and is based in our San Francisco office in a hybrid capacity (Tuesdays, Wednesdays, and Thursdays in office).
- Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel
- Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank, credit union, and institutional investor counterparties
Responsibilities
- Serve as primary or backup execution support on a subset of Upgrade's lending products, partnering with the Institutional and FI Execution Leads on live warehouse, forward flow, and securitization transactions
- Own the day to day mechanics of deal execution: allocation reports, purchase confirmations, loan tape reviews, funding and settlement coordination, and closing checklists
- Support warehouse and ABS reporting as a backup owner - covenant monitoring, borrowing base calculations, and timely delivery of investor reporting deliverables, in partnership with the team's warehouse reporting leads
- Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions
- Work cross-functionally with investor sales, credit, product, treasury, and engineering teams to support balance sheet management and data integrity across funding channels
- Support onboarding of new institutional investors, warehouse facilities, and securitization counterparties, including operational setup and due diligence
- 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.
- Come join us and help build a better financial future for millions of people.
Requirements
- 4 + years of experience in capital markets, asset-backed finance, or a related consumer lending function.
- Familiarity with consumer lending and credit underwriting, and asset-based/structured finance more broadly (warehouse facilities, forward flow, and/or ABS)
Nice to have
- Proficient in Excel
- SQL and/or Tableau experience a plus
Skills
- Strong written and verbal communication skills, with the judgment to work directly with external counterparties
- Highly organized, detail-oriented, and strong client service skills
Compensation
- Competitive salary and stock option plan
Benefits
- Medical, dental and vision insurance with employer paid options
- The compensation range of this position in San Francisco, CA is USD $140,000 - $160,000 annually plus equity and benefits.
Company info
- 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.
- We're looking for new team members who get excited about designing and delivering new and better products.
This listing is sourced directly from Upgrade Inc.'s careers page and normalized into a canonical job model.