Legal Counsel, Capital Markets Specialist

1 day ago


San Mateo, California, United States Upstart Full time
About Upstart

Upstart is a leading AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. By leveraging our AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while delivering a digital-first lending experience to their customers.

Our company is a digital-first organization, with most employees working remotely across the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Our Mission

We are committed to enabling access to effortless credit based on true risk. Our team is passionate about making a positive impact and is dedicated to helping our customers achieve their financial goals.

Job Summary

We are seeking a Legal Counsel or Senior Legal Counsel to join our capital markets legal team. The ideal candidate will have experience in leading and negotiating complex capital markets transactions, as well as supporting the rest of the team in day-to-day matters. This role requires someone who is adaptable, able to think outside the box, and has a strong transactional and finance background.

Key Responsibilities
  • Lead and support legal negotiations on complex structured financing transactions
  • Work closely with our capital markets and finance teams to structure novel deals with key investors
  • Support other team members in structuring, drafting, and negotiating securitizations and warehouse financing deals
  • Provide legal and strategic guidance to assess and mitigate legal risk
  • Assist in general commercial transactions and agreements as needed
Requirements
  • J.D. degree with solid academic credentials and a state bar membership (CA or NY preferred)
  • 5+ years of experience with a minimum of 3 years at a top-tier law firm; experience in debt finance, capital markets, private credit, or structured finance preferred
  • Self-starter who thrives under limited direction and is excited by challenges
  • Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice
  • Eager to develop expertise in new or unfamiliar areas of law
  • Adaptability; willingness to be flexible and excited to work in a dynamic and fast-paced environment
What We Offer
  • Competitive compensation package
  • Comprehensive medical, dental, and vision coverage
  • 401(k) with 100% company match up to $4,500 and immediate vesting
  • 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, and ergonomic reimbursement programs
  • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups


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