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 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
For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.
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.
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What We Do
Upgrade offers affordable and responsible credit, mobile banking and payment products to everyday consumers. Our innovative financial products help our customers move their finances in the right direction and put more money in their pocket.
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Upgrade, Inc. Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
