<div>About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!</div>The Team  Upstart’s Capital Markets  team plays a pivotal role in securing loan funding capital for our AI lending marketplace.  We collaborate with leading institutional investors across a diverse range of financing and funding solutions, including securitizations, whole loan sales, co-investment partnerships and other structured transactions.     As the Capital Markets Associate at Upstart, you will  focus on driving growth of our core and emerging products by securing funding and liquidity from capital market participants. You are eager to learn and energized by working directly with our counterparties and  across internal functional areas to deliver on Upstart’s capital strategy.   How you’ll make an impact <ul> <li>Support deal execution process, leverage modeling skills, review deal documents, and participate in term negotiations, to facilitate capital markets activities (e.g., asset-backed securities, structured pass-thru securities, credit facilities, forward flow deals, etc.)</li> <li>Own performance monitoring and reporting on our pass thru, securitizations, and financing facilities (e.g., pledging, capital markets takeouts, ongoing reporting)</li> <li>Collaborate with internal stakeholders (e.g., legal, operations, data analytics, accounting) to support Upstart’s funding and liquidity needs</li> <li>Develop and maintain relationships with external counterparties (e.g., banks, investors, rating agencies)</li> <li>Perform industry research / data analysis and prepare external-facing marketing materials</li> </ul>   Position Location -  Local team members typically meet in person in the New York, NY or San Mateo, CA office once to three times weekly and work from home the rest of the time. Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. Additionally, you may participate in industry conferences for 2-4 consecutive days 1-3x per year.   How you’ll make an impact: <ul> <li>Support deal execution process, leverage modeling skills, review deal documents, and participate in term negotiations, to facilitate capital markets activities (e.g., asset-backed securities, structured pass-thru securities, credit facilities, forward flow deals, etc.)</li> <li>Own performance monitoring and reporting on our pass thru, securitizations, and financing facilities (e.g., pledging, capital markets takeouts, ongoing reporting)</li> <li>Collaborate with internal stakeholders (e.g., legal, operations, data analytics, accounting) to support Upstart’s funding and liquidity needs</li> <li>Develop and maintain relationships with external counterparties (e.g., banks, investors, rating agencies)</li> <li>Perform industry research / data analysis and prepare external-facing marketing materials</li> </ul>   What we’re looking for:  <ul> <li>Minimum requirements: <ul> <li>2+ years of relevant experience in capital markets, structured financing, or relevant industry experience</li> <li>Excellent communication skills, with the ability to translate complex analyses into clear insights</li> <li>Strong analytical aptitude with keen attention to detail</li> <li>Ability to juggle multiple projects with a “roll your sleeves up” attitude</li> <li>Embraces speed as a habit with an appetite to learn and problem solve</li> </ul> </li> <li>Preferred qualifications: <ul> <li>Experience with securitization/structured products reporting, reconciliation, legal documentation, or marketing</li> <li>Cashflow modeling/general proficiency in Excel or other data analysis tools</li> <li>Knowledge of unsecured personal, auto and/or HELOC lending product</li> <li>BA/BS degree in business, finance, economics, or other analytical areas of study</li> </ul> </li> </ul>   What youll love:  <ul> <li>Competitive Compensation (base + bonus &amp; equity)</li> <li>Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart </li> <li>401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings</li> <li>Employee Stock Purchase Plan (ESPP)</li> <li>Life and disability insurance</li> <li>Generous holiday, vacation, sick and safety leave  </li> <li>Supportive parental, family care, and military leave programs</li> <li>Annual wellness, technology &amp; ergonomic reimbursement programs</li> <li>Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering</li> <li>Catered lunches + snacks &amp; drinks when working in offices</li> </ul>    <div><div><div>At Upstart, your base pay is one part of your total compensation package.  The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</div><div>United States | Remote - Anticipated Base Salary Range</div><div>$100,000—$130,000 USD</div></div></div><div>Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.  If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email <a href="mailto:candidate_accommodations@upstart.com">candidate_accommodations@upstart.com</a> <a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></div>

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