Director of Capital Markets - Home Lending

February 20

🏄 California – Remote

Although this job is listed in California, this company may be open to hiring remote in other states.

🗽 New York – Remote

Although this job is listed in New York, this company may be open to hiring remote in other states.

+1 more states

🏄 California – Remote 🗽 New York – Remote 🏈 Ohio – Remote

💵 $209.5k - $290k / year

⏰ Full Time

🔴 Lead

👔 Director

🦅 H1B Visa Sponsor

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Upstart

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Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

Personal Loans • FinTech • Marketplace Lending • Artificial intelligence • Finance

1001 - 5000 employees

📋 Description

• Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. • Director, Capital Markets - Home Lending plays a critical role in securing and optimizing loan funding sources and structures. • Develop innovative, scalable and profitable funding solutions that enhance market competitiveness while expanding consumer access to credit. • Design and execute capital markets strategies, ensuring seamless and cost-effective access to capital through institutional investors. • Expertise in structured finance and relationship management will be instrumental in securing diverse funding channels. • Oversee capital markets transactions while ensuring adherence to regulatory requirements and risk management frameworks.

🎯 Requirements

• 10+ years of experience in capital markets, structured finance or investment banking within the residential mortgage or HELOC space, with a deep understanding of broad loan funding structures • A strong track record of driving funding strategies and executing complex transactions. Ability to develop and execute funding strategies in dynamic market conditions. • Exceptional relationship management skills with a history of cultivating and maintaining strategic partnerships with institutional investors, warehouse lenders and other key market participants. • Skilled negotiator with a strong track record of securing favorable funding terms, optimizing deal structure. Ability to collaboratively engage and influence internal cross-functional stakeholders. • Comprehensive business acumen of the Home Lending business and knowledge of regulatory and compliance frameworks affecting loan funding • Experience working at a fintech and/or in a fast-paced high growth environment with a proven ability to adapt and execute within evolving internal strategy and external market dynamics. • Bachelor's degree in Finance, Economics, Business, or a related field (MBA preferred) • Familiarity with AI-driven underwriting / verification models and technology-driven lending platforms is a plus

🏖️ Benefits

• Competitive Compensation (base + bonus & equity) • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings • Employee Stock Purchase Plan (ESPP) • Life and disability insurance • Generous holiday, vacation, sick and safety leave • Supportive parental, family care, and military leave programs • Annual wellness, technology & ergonomic reimbursement programs • 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 • Catered lunches + snacks & drinks when working in offices