Senior Legal Counsel, Capital Markets

The role

You will support the execution of key financing transactions and provide legal guidance for investor-facing activities. You will work with capital markets and finance teams on purchase and sale agreements, securitizations, and liquidity arrangements.

What you will do

• Support capital markets and finance teams on purchase and sale agreements, securitizations, and other liquidity arrangements
• Draft, review, and negotiate transactional documents with institutional investors
• Partner with internal stakeholders and external counsel to support structuring and execution of securitization transactions
• Contribute to managing deal flow, timelines, and documentation across multiple concurrent transactions
• Collaborate with legal, product, and regulatory teams to ensure consistency across agreements
• Maintain and improve transaction templates and processes
• Provide guidance on legal risks and contribute to internal education on capital markets topics

Required qualifications

• Juris Doctor (J.D.) degree
• Active membership in at least one U.S. state bar
• 4+ years of legal experience in structured finance, debt finance, capital markets, or a related practice area
• Experience drafting and negotiating transactional agreements in financing or capital markets contexts
• Experience working with cross-functional stakeholders and external counsel on complex transactions

Nice to have

• Experience working at a fintech or lending-focused company
• Knowledge of asset-backed securitizations and capital markets structures
• Ability to manage multiple transactions with competing priorities and timelines
• Skills in developing or improving legal templates and transaction processes
• Ability to communicate legal concepts clearly to business and non-legal stakeholders

Benefits

• Base pay, bonus opportunities, and annual equity grants that vest quarterly
• 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
• Employee Stock Purchase Plan (ESPP) for eligible employees (US only)
• Medical, dental, vision, and wellness resources
• Health Savings Account contributions for eligible plans (US only)
• Life insurance and disability coverage
• Paid time off, sick leave, and company holidays
• Paid family and parental leave
• Family-centered benefits for fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP)
• Financial wellness resources and financial concierge service (US Only)
• Annual wellness allowance

Before you apply

• For roles based in Canada, Upstart is not currently able to hire in Quebec

About the company

Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. The company is digital-first with employees located in over 80 cities across the US and Canada.