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About the Role:

We are seeking a Manager to join our Capital Markets team to lead the management of our cash and balance sheet forecasting model. This exciting role involves working with internal stakeholders across the company and all five of Upgrade’s lending products (personal loan, card, home improvement, indirect auto, and BNPL). This role has high visibility in the organization and will influence the strategic execution of capital markets transactions for the company. This position reports into the Head 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:

• Develop, maintain, and enhance capital planning and balance sheet forecasting based on drivers such as warehouse facility activity, forward flow agreements, pool sales, and other capital markets and corporate activities
• Prepare detailed forecasts and scenario analyses to assess balance sheet impact from business opportunities,, changes in market conditions, on the balance sheet
• Collaborate with finance, accounting, marketing, product, and G&A teams to understand, validate, integrate relevant assumptions
• Monitor and analyze cash flow trends, providing actionable insights to support strategic decision-making and liquidity management
• Present regular updates and reports to executive leadership, offering recommendations to optimize cash management and strengthen financial planning
• Assist with executing ABS securitization transactions, analyzing deal structures and managing related models

What We Look For:

• 5+ years of capital markets, cash management, investment banking, strategic finance, or related experience
• Advanced in MS Excel, SQL (preferred), and Tableau (nice to have)
• Understanding of secured and unsecured consumer lending and credit underwriting; fintech experience a plus
• Knowledge and experience of executing structured finance transactions and 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 $140,000 - $160,000 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

 

Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact [email protected].

 

Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of  recruitment, job application, or interview process. 

 

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and  administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and  ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.