Upgrade
Nisha C. currently serves as the Head of Capital Markets Structured Solutions and Head of Institutional Sales at Upgrade, Inc., focusing on personal loans, travel (BNPL/POS), home improvement, auto, and card products since October 2023. Previously, Nisha held the position of Vice President of Structured Products at Pagaya from 2020 to 2022, contributing to the launch of an IPO in June 2022 with a focus on subprime auto financing. Experience also includes serving as Senior Director of Capital Markets at Figure (2019-2020) with a specialization in agency and non-agency mortgages and HELOC, as well as Director of Mortgage Capital Markets at SoFi (2015-2019), where agency and non-agency mortgages were the main focus, leading to an IPO in June 2021. Nisha began a career in finance at Bank of America Merrill Lynch (2007-2014) as Vice President of Rate Sales for hedge funds in London and initially worked as an Analyst/Associate in Rate Sales for Fannie Mae, Freddie Mac, and FHLBs in New York, concentrating on rate derivatives. Nisha holds a degree from Duke University.
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Upgrade
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Upgrade is a neobank that offers credit to mainstream consumers through cards and personal loans, together with free credit monitoring and education tools that help consumers understand and manage their finances. Upgrade Card provides an innovative credit card that brings the low cost and responsible credit of installment lending to millions of retail locations in the U.S., while Upgrade Account is a mobile banking product offered to mainstream consumers.