Capital Markets Lead, Auto

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 1,800 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 (opening Summer 2026), 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 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 and lenders across a diverse range of financing and funding solutions, including securitizations, whole loan sales, co-investment partnerships and other structured transactions. Within Capital Markets, the Auto team is tasked with managing efficient and cost-effective funding for the growth of Upstart’s indirect retail and refinance auto lending platforms.

As the Capital Markets Lead - Auto at Upstart, you will play a critical role in securing funding sources and structures by driving optimized execution on Upstart’s whole loan sales, co-investment partnerships, warehouses and development of a new auto securitization platform. You have a strong track record within structured finance and are energized by building relationships across Capital Markets participants. You will leverage your auto and technical expertise to review collateral and credit analysis as well as asset- and bond-level cashflow modeling to support structuring discussions and lead discussions across our auto product offerings.

 

How you’ll make an impact

• Drive and execute strategy for Upstart’s auto asset-backed financing and balance sheet strategy
• Manage and deepen strategic partnerships with lenders, investors, and key market participants
• Partner closely with internal and external counsel to review and execute legal agreements
• Collaborate with cross-functional stakeholders (e.g., legal, operations, data analytics, accounting) to navigate downstream implications of Upstart’s funding structures 
• Present on deal terms and status to leadership including Upstart’s management team
• Coach and mentor junior team members

Minimum Qualifications 

• 4+ years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related roles
• Deep knowledge of auto, capital markets and fixed income, with hands-on experience modeling and executing a broad range of  structured finance transactions 
• Proven track record of strong cross-functional stakeholder management and influencing partners to drive outcomes
• Demonstrated experience coaching and mentoring a high-performing team that consistently punches above their weight
• Strong market instincts with a sharp read on risk sentiment / appetite and trusted by institutional clients

Preferred Qualifications

• Direct experience in capital markets at a fintech
• Deep knowledge of auto asset class
• ABS or Asset Backed Securities
• Experience negotiating private transaction terms
• MBA, CFA, or BA/BS degree in business, finance, economics, or other analytical areas of study
• Skilled in deriving insights from complex data sets using Looker or similar software; knowledge of SQL a plus

Position location This role is available in the following locations: Remote 

Time zone requirements The team operates on the East/West coas