[All remote jobs](https://jobicy.com/jobs.md)[![Upstart logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/bc2cfa2b-221-1.jpeg)](https://jobicy.com/company/upstart.md)[Upstart](https://jobicy.com/company/upstart.md) # Capital Markets Manager Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/upstart.md)ShareRemote from[USA](https://jobicy.com/job-region/usa.md)SalaryUSD 168,400–232,900 / yrDepartment[Finance & Accounting](https://jobicy.com/categories/accounting-finance.md)EmploymentFull TimeExperienceSeniorPublished18 Oct 2026Apply before17 Nov 2026Listing views52Application actions4Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Upstart is seeking a Capital Markets Manager to manage institutional investor relationships and help shape funding strategy for its AI lending marketplace. The role leads structured-finance transactions from structuring and term negotiation through execution, including whole-loan, forward-flow, co-investment, and related financing arrangements. It requires 6–8 years of relevant capital markets, structured finance, investment banking, or fintech experience, plus strong modeling, credit analysis, and documentation-review skills. The manager will coordinate closely with legal, operations, analytics, accounting, and senior leadership while interpreting investor sentiment and market opportunities. The position is US-remote with periodic onsite collaboration and East/West Coast time-zone coverage. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 5/5RelaxedFast-paced ### Autonomy Level 5/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThis is a senior, execution-heavy finance role requiring sound judgment on transaction structure, risk allocation, commercial terms, and investor negotiations. Success depends on independently driving complex deals while aligning numerous internal and external stakeholders in a fast-moving lending market. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job median (per year)Market rate$200,650US market range (per year)$160k–$245k0$269.50k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses an anticipated US remote base-salary range of $168,400–$232,900 USD. Although the posting does not expressly state a cadence, yearly pay is inferred from the stated US professional base-pay range and the seniority of the role. A reasonable estimated US market range for comparable capital-markets manager roles is $160,000–$245,000 per year, excluding bonus and equity. ## Core skills Skills and capabilities most closely associated with this opportunity. [Capital markets](https://jobicy.com/jobs?search_keywords=Capital%20markets.md)[Structured finance](https://jobicy.com/jobs?search_keywords=Structured%20finance.md)[Institutional investor relations](https://jobicy.com/jobs?search_keywords=Institutional%20investor%20relations.md)[Transaction execution](https://jobicy.com/jobs?search_keywords=Transaction%20execution.md)[Financial modeling](https://jobicy.com/jobs?search_keywords=Financial%20modeling.md)[Credit analysis](https://jobicy.com/jobs?search_keywords=Credit%20analysis.md)[Term sheet negotiation](https://jobicy.com/jobs?search_keywords=Term%20sheet%20negotiation.md)[Risk allocation](https://jobicy.com/jobs?search_keywords=Risk%20allocation.md)[Whole loan sales](https://jobicy.com/jobs?search_keywords=Whole%20loan%20sales.md)[Forward flow agreements](https://jobicy.com/jobs?search_keywords=Forward%20flow%20agreements.md)[Securitization](https://jobicy.com/jobs?search_keywords=Securitization.md)[Transaction documentation](https://jobicy.com/jobs?search_keywords=Transaction%20documentation.md)[Consumer lending](https://jobicy.com/jobs?search_keywords=Consumer%20lending.md)[Cross-functional leadership](https://jobicy.com/jobs?search_keywords=Cross-functional%20leadership.md) Sample interview questionsDescribe a structured-finance transaction you led from investor outreach through closing.I would explain the financing objective, investor selection process, proposed structure, key diligence findings, negotiated economics and protections, documentation process, and closing outcome. I would also quantify funding capacity, pricing improvement, execution speed, or risk reduction where possible. How do you evaluate risk allocation in a whole-loan or forward-flow transaction? I assess credit performance assumptions, representations and warranties, servicing standards, eligibility criteria, concentration limits, repurchase triggers, reporting requirements, and termination rights. I then model the economic effect of each term and seek a balanced structure that protects the investor while preserving scalable, durable capital for the platform. How would you communicate changing investor appetite to senior leaders? I would provide a concise, evidence-based view of market conditions, separating confirmed investor feedback from emerging signals. I would translate implications into actionable options, such as adjusting pricing, collateral parameters, transaction timing, or investor targeting, along with the trade-offs of each option. Tell us about a time you brought structure to an ambiguous, cross-functional transaction process. I would describe establishing a decision log, workstream owners, milestones, and escalation paths across legal, operations, analytics, and accounting. By making dependencies and open issues visible, I would show how I accelerated decisions while maintaining quality and stakeholder alignment. What metrics would you use to assess the health of an institutional funding franchise? I would monitor committed and available funding capacity, investor concentration, pricing and advance rates, execution timelines, renewal probability, transaction conversion rates, collateral performance, and the breadth of investor demand. Together, these metrics show both current funding capacity and resilience under changing market conditions. Opportunity details ## About this role. About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Capital Markets team is the funding engine for Upstart’s AI lending marketplace. We partner 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. The Institutional Capital team has built a durable capital franchise with a track record of over $10+B of funding capacity closed. We own Upstart’s whole loan relationships from lead generation to deal close across forward flow and back book transactions. Upstart’s funding engine starts with this team. We connect product innovation and borrower demand with scalable, risk-adjusted capital. As the Capital Markets Manager – Institutional Capital, you will play a critical role in shaping our overall funding strategy. You are comfortable driving deals from inception through execution, bring deep expertise in structured finance, and approach established concepts with first-principles thinking. You have cultivated a strong industry network and are a genuine, trusted partner to both internal and external stakeholders. You thrive in nimble, fast-paced environments, with an exceptional ability to bring clarity and structure to complexity. We are looking for someone who shares our passion for harnessing financial innovation and capital markets to expand access to credit at a massive scale. Position Location – Local team members are encouraged to meet in person in the New York, NY or Burlingame, CA office once to three times weekly and work from home the rest of the time. 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 and are required to travel for in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet ~twice per quarter for 3-4 consecutive days at a time. Time Zone Requirements – This team operates on the East/West Coast time zones. How you’ll make an impact: * Manage end-to-end investor relationships: structuring, term negotiation, deal execution * Drive clarity in ambiguous environments and manage competing priorities with high quality execution, across multiple stakeholders (legal, operations, analytics, accounting) * Contribute to building a scalable, resilient capital markets infrastructure as we grow * Provide cross functional teams and senior leaders with a clear, well-calibrated view of investor sentiment, market appetite, and emerging funding opportunities * Coach and mentor other team members regardless of title/level – you clearly bring something unique to the table! What we’re looking for: * 6-8 years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related fintech roles * Extensive modeling, credit analysis, and transaction documentation review skills * Track record of exercising sound judgment on risk allocation and commercial terms * Knowledge of consumer lending product (unsecured PL, auto, HELOC) is a plus #LI-REMOTE #LI-MidSenior 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). United States | Remote – Anticipated Base Salary Range $168,400—$232,900 USD What you’ll love At Upstart, our benefits for full-time employees are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: * Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly * Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) * Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) * Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. * Health Savings Account contributions from Upstart for eligible plans (US only) * Income protection benefits, including life insurance and disability coverage for added financial security * Paid time off, sick leave, and company holidays, in line with local requirements * Paid family and parental leave to support caregiving and major life moments (duration varies by country) * Family-centered benefits to support fertility, parenthood, and caregiving needs * Employee Assistance Program (EAP) offering mental health support and life-centered resources * Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) * Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you * Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from * Connection and community through team events, all-company updates, and employee resource groups (ERGs) * Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com [https://www.upstart.com/candidate_privacy_policy](https://www.upstart.com/candidate_privacy_policy) Show more [Apply now >](https://jobicy.com/jobs/155634-capital-markets-manager.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. 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