Manager, Capital Markets, HELOC
or drop it. We have location: based in San Francisco office hybrid capacity (Tuesdays, Wednesdays, Thursdays in office). That's schedule info. Also mention reports to VP of Capital Markets. Could be part of About the role paragraph. We must not repeat job title as heading. The job title is Manager (Capital Markets). Not needed. We need to preserve all substantive information, not invent or summarize away detail. Remove boilerplate: cookie/navigation/legal/EEO etc. The text includes many paragraphs about company overview, culture, awards. Those are substantive? They are about company, not role specifics. The instruction: "Preserve ALL substantive information; do NOT invent or summarize away detail." Does that include company overview? Likely yes, we should keep it as it's part of posting. However we need to format into sections. The company overview could be placed before About the role as a
. It's not a heading. We'll keep it as a paragraph. We must not include sections that are not present: we have About the role (present), Responsibilities (What You'll Do), Requirements (What We Look For), Benefits (What We Offer You), Pay (compensation range), Schedule (hybrid capacity). Also maybe include "Reports to" as part of About the role. We need to use
for section headings. Use - for any list of duties/requirements/benefits. Use
for prose.
We must not create sections with filler like "commensurate with experience". Not present.
We need to ensure we don't duplicate content. The posting had duplicated sections (About the Role repeated). We need to merge.
Let's extract content:
Company overview paragraph(s):
"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. 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. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people."
That's a paragraph.
About the Role: (first occurrence)
"We are looking for a Manager to join our Capital Markets team, with a focus on hands-on execution across Upgrade's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — focusing on our new HELOC product. This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads.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)."
Second occurrence similar but with different product scope: "spanning our lending products (personal loan, home improvement, indirect auto, BNPL, Card and more)." We need to combine both: mention focus on HELOC product and also spanning lending products. Could combine: "focus on hands-on execution across Upgrade's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — focusing on our new HELOC product and spanning our lending products (personal loan, home improvement, indirect auto, BNPL, Card and more)." Keep both.
Also mention reports to VP of Capital Markets and hybrid schedule.
What You'll Do (Responsibilities) list:
- 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
- Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel
- Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions
- Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank, credit union, and institutional investor counterparties
- 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
- Take on ownership of ad hoc projects as the team's funding programs scale
What We Look For (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)
- Proficient in Excel; SQL and/or Tableau experience a plus
- Execution-oriented — comfortable owning deliverables and deadlines on live transactions in a fast-paced environment
- Strong written and verbal communication skills, with the judgment to work directly with external counterparties
- Highly organized, detail-oriented, and strong client service skills
What We Offer You (Benefits):
- Competitive salary and stock option plan
- Medical, dental and vision insurance with employer paid options
- Flexible PTO
- Competitive 401(k) and RRSP program
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness initiatives
Pay: "The compensation range of this position in San Francisco, CA and New York, NY 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."
Schedule: hybrid capacity (Tuesdays, Wednesdays, and Thursdays in office). Also location San Francisco office.
We also have "Environmental & Working Conditions" etc. That's boilerplate? Might be considered substantive but it's generic. The instruction: remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The environmental working conditions might be considered boilerplate but it's describing work environment. Might be okay to keep? It's not EEO. It's about working conditions. Could be considered substantive but it's generic. Safer to keep? The instruction says remove boilerplate, but not explicitly to remove working conditions. However it's likely boilerplate. I'd drop it to keep concise.
Also drop the EEO statement and agency policy etc.
Thus final HTML:
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. 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. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.
About the Role
We are looking for a Manager to join our Capital Markets team, with a focus on hands-on execution across Upgrade's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — focusing on our new HELOC product and spanning our lending products (personal loan, home improvement, indirect auto, BNPL, Card and more). This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads. 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).
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
- Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel
- Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions
- Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank, credit union, and institutional investor counterparties
- 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
- Take on ownership of ad hoc projects as the team's funding programs scale
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)
- Proficient in Excel; SQL and/or Tableau experience a plus
- Execution-oriented — comfortable owning deliverables and deadlines on live transactions in a fast-paced environment
- Strong written and verbal communication skills, with the judgment to work directly with external counterparties
- Highly organized, detail-oriented, and strong client service skills
Benefits
- Competitive salary and stock option plan
- Medical, dental and vision insurance with employer paid options
- Flexible PTO
- Competitive 401(k) and RRSP program
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness
for prose. We must not create sections with filler like "commensurate with experience". Not present. We need to ensure we don't duplicate content. The posting had duplicated sections (About the Role repeated). We need to merge. Let's extract content: Company overview paragraph(s): "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. 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. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B.We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people." That's a paragraph. About the Role: (first occurrence) "We are looking for a Manager to join our Capital Markets team, with a focus on hands-on execution across Upgrade's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — focusing on our new HELOC product. This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads.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)." Second occurrence similar but with different product scope: "spanning our lending products (personal loan, home improvement, indirect auto, BNPL, Card and more)." We need to combine both: mention focus on HELOC product and also spanning lending products. Could combine: "focus on hands-on execution across Upgrade's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — focusing on our new HELOC product and spanning our lending products (personal loan, home improvement, indirect auto, BNPL, Card and more)." Keep both. Also mention reports to VP of Capital Markets and hybrid schedule. What You'll Do (Responsibilities) list: - 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 - Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel - Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions - Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank, credit union, and institutional investor counterparties - 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 - Take on ownership of ad hoc projects as the team's funding programs scale What We Look For (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) - Proficient in Excel; SQL and/or Tableau experience a plus - Execution-oriented — comfortable owning deliverables and deadlines on live transactions in a fast-paced environment - Strong written and verbal communication skills, with the judgment to work directly with external counterparties - Highly organized, detail-oriented, and strong client service skills What We Offer You (Benefits): - Competitive salary and stock option plan - Medical, dental and vision insurance with employer paid options - Flexible PTO - Competitive 401(k) and RRSP program - Opportunities for professional growth and development - Paid parental leave - Health & wellness initiatives Pay: "The compensation range of this position in San Francisco, CA and New York, NY 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." Schedule: hybrid capacity (Tuesdays, Wednesdays, and Thursdays in office). Also location San Francisco office. We also have "Environmental & Working Conditions" etc. That's boilerplate? Might be considered substantive but it's generic. The instruction: remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The environmental working conditions might be considered boilerplate but it's describing work environment. Might be okay to keep? It's not EEO. It's about working conditions. Could be considered substantive but it's generic. Safer to keep? The instruction says remove boilerplate, but not explicitly to remove working conditions. However it's likely boilerplate. I'd drop it to keep concise. Also drop the EEO statement and agency policy etc. Thus final HTML:
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. 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. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America’s Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.
About the Role
We are looking for a Manager to join our Capital Markets team, with a focus on hands-on execution across Upgrade's institutional funding programs — warehouse facilities, forward flow whole loan sales, and securitizations — focusing on our new HELOC product and spanning our lending products (personal loan, home improvement, indirect auto, BNPL, Card and more). This is an execution-oriented seat: you will be the primary or backup point person keeping live transactions moving day to day, working alongside the team's Institutional and FI execution leads. 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).
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
- Review and help negotiate legal documentation for structured finance transactions (purchase agreements, servicing agreements, side letters) alongside internal and outside counsel
- Analyze collateral performance using Excel, SQL, and Tableau to support pricing, structuring, and ongoing surveillance discussions
- Coordinate with Institutional Sale and Investor Ops stakeholders to ensure a smooth experience for bank, credit union, and institutional investor counterparties
- 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
- Take on ownership of ad hoc projects as the team's funding programs scale
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)
- Proficient in Excel; SQL and/or Tableau experience a plus
- Execution-oriented — comfortable owning deliverables and deadlines on live transactions in a fast-paced environment
- Strong written and verbal communication skills, with the judgment to work directly with external counterparties
- Highly organized, detail-oriented, and strong client service skills
Benefits
- Competitive salary and stock option plan
- Medical, dental and vision insurance with employer paid options
- Flexible PTO
- Competitive 401(k) and RRSP program
- Opportunities for professional growth and development
- Paid parental leave
- Health & wellness