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 key role in securing funding for our AI lending marketplace. The team partners with institutional investors across a range of financing solutions, including securitizations, whole loan sales, co-investment partnerships, and structured transactions. Within Capital Markets, the Structured Products team leads Upstart’s securitization and financing programs. The team partners closely with investment banks, institutional investors, and internal stakeholders to design and execute funding structures that support new and existing products. As the Capital Markets Manager - Structured Products at Upstart, you will drive execution across securitization and warehouse programs while helping bring new products to market. You will work at the intersection of structuring, investor engagement, and product innovation—translating complex data into clear narratives that support investment decisions. How you’ll make an impact - Drive execution of Upstart’s securitization issuance and asset-backed financing strategy across multiple products - Structure and model asset-backed transactions, including reviewing collateral performance and bond cashflows - Build and maintain relationships with institutional investors, lenders, and banking partners - Lead investor discussions, including presenting new products and opportunities with limited historical performance data - Partner with legal, operations, analytics, and accounting to execute transactions and ensure alignment across stakeholders - Present transaction updates, market insights, and funding strategies to senior leadership - Support development of junior team members through coaching and guidance Minimum Qualifications - 7+ years of experience in capital markets, structured finance, investment banking, or a related field - Experience structuring and executing asset-backed securities (ABS) or other structured finance transactions - Experience building and reviewing asset-level and bond-level cashflow models - Experience presenting investment opportunities, transaction structures, or financial products to institutional investors - Bachelor’s degree in finance, economics, or a quantitative field (or equivalent practical experience) Preferred Qualifications - Experience working with new or emerging financial products with limited historical performance data - Knowledge of unsecured consumer lending or similar asset classes - Experience working in a fintech or technology-enabled financial services environment - Ability to translate complex data into clear investment narratives for external audiences - MBA, CFA, or other advanced degree Position location This role is available in the following locations: Remote, with preference of NYC or San Francisco Time zone requirements The 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. #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 $168,000—$232,000 USD What you'll love At Upstart, our benefits 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 - Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees - Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose - Health Savings Account contributions from Upstart for eligible plans - Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage - Paid time off, sick and safe time, and company holidays - Paid family and parental leave to support caregiving and major life moments - Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving - 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 - 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 and onsites, all-company updates, and employee resource groups (ERGs) - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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

• Drive execution of Upstart’s securitization issuance and asset-backed financing strategy across multiple products • Structure and model asset-backed transactions, including reviewing collateral performance and bond cashflows • Build and maintain relationships with institutional investors, lenders, and banking partners • Lead investor discussions, including presenting new products and opportunities with limited historical performance data • Partner with legal, operations, analytics, and accounting to execute transactions and ensure alignment across stakeholders • Present transaction updates, market insights, and funding strategies to senior leadership • Support development of junior team members through coaching and guidance

• Support all sales and renewals teams throughout complete sales and renewals cycles • Offer deal intelligence to assist sales leaders in decision-making • Assist sales with positioning value against competition and constructing favorable deals • Ensure timely review and approval of all deal requests • Help build scalable and repeatable processes to ensure swift sales cycle • Draft special terms and commercial terms for deals independently, subject to review with Deal Desk leadership & Legal • Provide guidance to sales on deal structuring in a way that meets customers’ requirements, sets them up for maximum success, and maximizes TCV • Participate in deal reviews and commercial conversations with sales • Collaborate with Sales Enablement team to build and deliver training sessions for sales • Work within the Salesforce.com CRM & CPQ system to assist sales

• Create and implement effective sales strategies aimed at promoting AssetGuard products within the industrial, oil and gas, and industrial distribution markets. • Manage and grow an existing book of business, nurturing relationships with current clients while delivering exceptional service and support. • Actively pursue new business opportunities by identifying potential clients, initiating contact, and presenting tailored solutions that meet their environmental compliance needs. • Conduct thorough market analysis to stay informed of industry trends, competitor offerings, and emerging customer requirements. • Build and maintain strong relationships with decision-makers in the industrial and oil and gas sectors, as well as within distribution channels. • Clearly articulate the value proposition of our environmental compliance products, showcasing how they solve client challenges and meet regulatory standards. • Deliver persuasive presentations and proposals to potential clients, highlighting product benefits and competitive advantages. • Work closely with internal teams, including marketing and product development, to align sales efforts with overall company objectives and customer needs. • Monitor sales performance against established targets and deliver regular updates to management on progress, challenges, and opportunities. • Stay abreast of industry regulations, best practices, and product developments to provide knowledgeable insights to clients.