Upgrade, Inc. · 3 hours ago
Director, Capital Markets Structurer
New York City
Full-time
Hybrid
Mid, Senior Level
$150K/yr - $200K/yr
6+ years expUpgrade is a fintech company focused on providing affordable financial products to improve customers' financial well-being. They are seeking an experienced Capital Markets Structurer to lead financing and ABS transactions for their consumer credit products, collaborating with internal teams and external partners to deliver innovative solutions.
BankingCreditFinancial ServicesFinTechMobile
Responsibilities
Structure and analyze ABS securitizations and loan sale transactions backed by consumer credit collateral
Build, audit, and run complex cashflow models (Intex/Excel/VBA) to evaluate structures, optimize economics, and meet investor needs
Drive forward flow, warehouse, and term securitization transactions from term sheet through closing, working closely with legal, finance, and rating agencies
Perform in-depth collateral analyses, pool stratifications, and economic scenarios to inform deal structure and investor discussions
Partner with internal teams (credit, finance, legal) and external stakeholders (banks, underwriters, rating agencies) to ensure smooth and timely execution
Draft and review investor materials, offering documents, and structural term sheets with accuracy and attention to detail
Own communications with prospective and existing investors on collateral performance, structure, and transaction updates
Qualification
Required
6+ years of experience in capital markets, securitization, or structured finance. (Consumer ABS experience is strongly preferred). Candidates with additional relevant experience will be considered for the Director title
Advanced knowledge of Excel for financial modeling is required
Proven experience analyzing consumer credit portfolios and structuring ABS transactions
Highly organized, detail-oriented, and resourceful, with the ability to manage complex workstreams independently
Strong communication skills with the ability to clearly explain technical concepts to internal and external audiences
Bachelor's degree is required; a quantitative or finance discipline is preferred
Willingness to travel 6–8 times per year for investor conferences and meetings
Preferred
Proficiency with SQL or Python for data analysis and automation
A CFA designation or an advanced degree
Proficiency with Intex, VBA, or similar cashflow modeling tools
Benefits
100% paid coverage of medical, dental and vision insurance
Flexible PTO
Competitive 401(k) and RRSP program
Opportunities for professional growth and development
Paid parental leave
Health & wellness initiatives
Company
Upgrade, Inc.
Upgrade helps customers move in the right direction with affordable and responsible financial products.
1001-5000 employees
H1B Sponsorship
Upgrade, Inc. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (52)
2024 (34)
2023 (31)
2022 (25)
2021 (22)
2020 (11)
Funding
Current Stage
Late StageTotal Funding
$752MKey Investors
Neuberger BermanKoch Disruptive TechnologiesMouro Capital
2025-10-16Series G· $165M
2021-11-16Series F· $280M
2021-08-11Series E· $105M
Leadership Team
Renaud Laplanche
Co-founder & CEO
Adelina Grozdanova
Co-Founder, Head of Investor Group
Recent News
Daily Star Egypt
2025-12-04
2025-12-03
2025-10-31
Company data provided by crunchbase