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CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Manager, Investor Services Manager, Investor Services R-00086 Finance & Capital Markets Department ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Investor Services team partners with institutional investors that provide the capital powering Upstart's lending platform, ensuring they can efficiently purchase, fund, and manage investments across Upstart's growing suite of products. The team oversees the end-to-end investor lifecycle, including diligence, onboarding, loan sales, investor operations, and new product readiness, while partnering across Capital Markets, Product, Engineering, Legal, Operations, Treasury, and Compliance teams to deliver a seamless investor experience. As the Investor Enablement Operations Manager, you will serve as the operational backbone of the team, driving execution across complex cross-functional initiatives, improving operational governance, and helping scale the processes that support Upstart's investor platform. This role is ideal for a highly organized operator who enjoys solving ambiguous problems, driving alignment across teams, and building systems that improve how work gets done. How you’ll make an impact: Drive execution across strategic Capital Markets initiatives, ensuring workstreams remain coordinated, on track, and aligned across multiple teams. Own operational governance by improving visibility, accountability, prioritization, and execution across diligence, onboarding, loan sales, investor operations, and new product readiness. Lead cross-functional programs involving Capital Markets, Product, Engineering, Legal, Operations, Treasury, and Compliance to deliver investor-facing initiatives successfully. Manage investor-impacting operational escalations, identify risks early, remove blockers, and drive timely resolution. Design and implement scalable operating mechanisms, processes, and governance frameworks that improve organizational efficiency and reduce execution risk. Partner with leadership to improve operational readiness for new investors, products, partnerships, and strategic business initiatives. Identify opportunities for automation, AI adoption, and process improvement to increase organizational leverage and reduce manual work. Develop reporting, metrics, and operating cadences that improve decision-making and provide greater visibility into organizational health. What we’re looking for: Minimum qualifications: 5+ years of experience in operations, program management, business operations, strategic operations, investor operations, or a related field. Demonstrated success leading complex cross-functional initiatives involving multiple stakeholders and competing priorities. Experience driving operational execution, managing escalations, and improving business processes in a fast-paced environment. Strong organizational, analytical, and problem-solving skills with the ability to navigate ambiguity and drive outcomes. Proven ability to influence stakeholders and build alignment without direct authority. Excellent written and verbal communication skills, including experience communicating with senior leaders and cross-functional partners. Experience balancing strategic thinking with hands-on execution. Preferred qualifications: Experience in fintech, financial services, banking, lending, Capital Markets, or investor operations. Experience partnering closely with Product and Engineering teams to launch new products or improve operational workflows. Experience building operating cadences, governance frameworks, dashboards, and reporting mechanisms. Experience managing operational readiness, partner onboarding, or large-scale cross-functional implementations. Experience leading process transformation, operational excellence, or organizational scaling initiatives. Familiarity with loan sales, investor onboarding, investor diligence, servicing operations, or secondary market activities. Experience leveraging AI tools (i.e. ChatGPT, Glean, Claude, Delphina, or similar) to improve productivity, analysis, documentation, and operational execution. Position location - This role is available in the following locations: Remote Time zone requirements - West Coast (PST/PT) hours strongly preferred. 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-NotApplicable #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 $146,700—$203,000 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 Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs 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 (US Only) 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, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. 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 APPLY NOW! Sign up for job alerts! First Name (required) Last Name (required) Email (required) Job Alert Finalize your job alert by selecting criteria from the dropdowns below. You can select multiple options from each dropdown by returning to the combobox and re-entering the list of options. Submit at the end to create your job alert. Categories Finance & Capital Markets Department Locations SUBMIT Similar Jobs Portfolio Manager, Risk Capital Funding Delivery Manager Capital Markets Manager Current Upstart employee? CLICK HERE Ready to Apply? First Name (required) Last Name (required) Phone Number (required) Email (required) Resume (required) Accepted formats: PDF, DOC, DOCX, RTF, ODT, XML, DOT, PNG, GIF, JPG, JPEG, ZIP What is your current location? Please note we are unable to hire candidates based in Quebec at this time. (required) United States Canada (outside of Quebec) Location Preference (required) As a digital-first company, we are providing our employees with the opportunity to work remotely across the US and/or from one of our physical office locations. Please select from the list below your primary work location preference(s). Primary work location is defined as where you will spend more than 50% of your time working. Before making your selection(s), please check to make sure that the location is listed as an option in the job’s description above. Multiple selections can be made if multiple locations are available. Remote is considered a location. San Mateo, CA Columbus, OH Austin, TX Remote Do you need, or will you need in the future, any immigration-related support or sponsorship from the Company in order to begin or continue employment with the Company? This includes support (such as J-1, F-1 CPT letter or STEM OPT Training Plan), visa sponsorship for employment (H-1B, H-1B1, E-3, O-1, or TN), and any EAD holders that will need longer term employment authorization (temporary work visa or permanent residency). (required) No Yes Before applying, how familiar were you with Upstart? (required) I was already familiar with Upstart I had heard of Upstart, but didn’t know much I learned about Upstart through this job posting or from a recruiter Before applying, how did you hear about Upstart? (required) A recruiter contacted me (email) A recruiter contacted me (LinkedIn message) Referred by a current Upstart employee Referred by someone outside Upstart (friend or former coworker) LinkedIn job post LinkedIn company page Upstart careers website Upstart blog or content Indeed Built In Hired Another job site Instagram X (Twitter) TikTok YouTube News article or press coverage General online search I use Upstart as a customer or partner Other Have you been employed by Upstart before? (required) No Yes LinkedIn Profile Website Voluntary Self-Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Why are you being asked to complete this form? We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp. How do you know if you have a disability? A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status (required) I do not want to answer No, I do not have a disability and have not had one in the past Yes, I have a disability, or have had one in the past If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Veteran Status (required) I don't wish to answer I identify as one or more of the classifications of a protected veteran I am not a protected veteran Voluntary Self-Identification For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. 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Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.

Engineering

69 days ago

Senior Software Engineer, Upstart Bank

Upstart · United States

Pay

$167k–242k

Setting

Remote

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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 3,000 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 Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale.

As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You’ll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences.

How you’ll make an impact

Design and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operations
Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters
Translate business, operational, and regulatory requirements into reliable, maintainable software
Improve system reliability, performance, observability, and data consistency across distributed services and integrations
Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability
Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment
Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership

Minimum Qualifications

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
Experience building and operating production software systems in backend or full-stack environments
Experience building scalable services, APIs, or web applications in cloud environments
Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
Proficiency in at least one modern programming language such as Python, Java, or Kotlin

Preferred Qualifications

Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
Experience building systems that support reliability, auditability, and strong operational controls
Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling
Ability to collaborate effectively with product, compliance, operations, and engineering partners
Experience working across both backend services and user-facing application layers
Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings.

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

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 --> use for L5, L6

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

$166,900—$242,400 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
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
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 (US Only)
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, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

For roles based in Canada, please note that we are not currently able to hire in Quebec.

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

Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.

Finance

69 days ago

Portfolio Manager, Risk Capital

Upstart · United States

Pay

$133k–212k

Setting

Remote

Apply Sign in to favorite Permalink

CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Portfolio Manager, Risk Capital Portfolio Manager, Risk Capital R-00089 Finance & Capital Markets Department ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Risk Capital team manages the co-investments that Upstart engages with its funding partners on a long-term commitment basis. It’s a ~$11B+ book, and the team owns how those investments perform, what they’re worth, the risks they carry, and the monthly reporting that keeps our investor partners informed. As the marketplace grows, the team is building the portfolio oversight and automation to manage it at scale. As the Portfolio Manager, Risk Capital at Upstart, you will help manage this portfolio of investments — tracking how it performs, what it’s worth, and the risks it carries — while running the hands-on, deal-by-deal process and reporting behind it each month. Think of it as a portfolio-management role with an operational focus. You’ll also lead the automation roadmap that lets the program keep scaling, and mentor two junior analysts. How you’ll make an impact Run the monthly process end-to-end with operational excellence — performance reporting and settlement for each investment. Calculate and stand behind the amounts owed between Upstart and each investor every month, and work with our investor-facing team to settle them. Monitor the portfolio’s performance, value, and risk across all investments, and surface what matters to Finance and Treasury leadership. Partner across Capital Markets, Accounting, Treasury, Audit, and our investor-facing team to bring on new deals and answer investors’ questions on performance and settlements. Lead the automation that modernizes how the team works with AI enablement. Mentor two junior analysts on the analysis, the modeling, and the judgment behind the numbers. Minimum Qualifications Bachelor’s degree, or equivalent practical experience, in finance, economics, mathematics, engineering, or a related quantitative field. 5+ years of experience in investment management, portfolio management, structured finance, or capital markets. Demonstrated experience building and auditing cash-flow or financial models in spreadsheets. Experience querying and analyzing data with SQL or a comparable query language. Preferred Qualifications Experience with consumer loans, asset-backed or whole-loan investments, or marketplace lending (e.g., personal, auto, or home-equity loans). Proficiency with Python and hands-on use of AI tools to automate analysis, modeling, or reporting. Familiarity with how returns are shared across different deal structures, and with monitoring investment performance and risk. Experience supporting investor relationships, settlements, or reporting for institutional investors. Ability to explain complex deals and numbers in plain language for senior leaders and investors. Experience leading process-improvement or automation initiatives within a finance or analytics function. #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 $133,400—$212,300 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 Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs 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 (US Only) 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, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. 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 APPLY NOW! Sign up for job alerts! First Name (required) Last Name (required) Email (required) Job Alert Finalize your job alert by selecting criteria from the dropdowns below. You can select multiple options from each dropdown by returning to the combobox and re-entering the list of options. Submit at the end to create your job alert. Categories Finance & Capital Markets Department Locations SUBMIT Similar Jobs Staff Credit Analyst (Temporary) Manager, Investor Services Principal Credit Analyst Current Upstart employee? CLICK HERE Ready to Apply? First Name (required) Last Name (required) Phone Number (required) Email (required) Resume (required) Accepted formats: PDF, DOC, DOCX, RTF, ODT, XML, DOT, PNG, GIF, JPG, JPEG, ZIP What is your current location? Please note we are unable to hire candidates based in Quebec at this time. (required) United States Canada (outside of Quebec) Location Preference (required) As a digital-first company, we are providing our employees with the opportunity to work remotely across the US and/or from one of our physical office locations. Please select from the list below your primary work location preference(s). Primary work location is defined as where you will spend more than 50% of your time working. Before making your selection(s), please check to make sure that the location is listed as an option in the job’s description above. Multiple selections can be made if multiple locations are available. Remote is considered a location. San Mateo, CA Columbus, OH Austin, TX Remote Do you need, or will you need in the future, any immigration-related support or sponsorship from the Company in order to begin or continue employment with the Company? This includes support (such as J-1, F-1 CPT letter or STEM OPT Training Plan), visa sponsorship for employment (H-1B, H-1B1, E-3, O-1, or TN), and any EAD holders that will need longer term employment authorization (temporary work visa or permanent residency). (required) No Yes Before applying, how familiar were you with Upstart? (required) I was already familiar with Upstart I had heard of Upstart, but didn’t know much I learned about Upstart through this job posting or from a recruiter Before applying, how did you hear about Upstart? (required) A recruiter contacted me (email) A recruiter contacted me (LinkedIn message) Referred by a current Upstart employee Referred by someone outside Upstart (friend or former coworker) LinkedIn job post LinkedIn company page Upstart careers website Upstart blog or content Indeed Built In Hired Another job site Instagram X (Twitter) TikTok YouTube News article or press coverage General online search I use Upstart as a customer or partner Other Have you been employed by Upstart before? (required) No Yes LinkedIn Profile Website What are your compensation expectations for this role? (required) Voluntary Self-Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Why are you being asked to complete this form? We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp. How do you know if you have a disability? A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status (required) I do not want to answer No, I do not have a disability and have not had one in the past Yes, I have a disability, or have had one in the past If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Veteran Status (required) I don't wish to answer I identify as one or more of the classifications of a protected veteran I am not a protected veteran Voluntary Self-Identification For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file. As set forth in Upstart’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law. Race (required) Decline To Self Identify Two or More Races Native Hawaiian or Other Pacific Islander White Hispanic or Latino Black or African American Asian American Indian or Alaskan Native Gender (required) Decline To Self Identify Female Male PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete. APPLY OUR STORY LEADERSHIP CAREERS PRESS CONTACT US STORE AFFILIATES INVESTOR RELATIONS YOUR PRIVACY CHOICES CALIFORNIA NOTICE COLLECTION HELP CENTER LEGAL PRIVACY POLICY ACCESSIBILITY LEARN PERSONAL LOANS CAR LOAN REFINANCE DEBT CONSOLIDATION UPSTART LOGIN Copyright © 2012 - 2026 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403 Please choose the location(s)

Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.

Analyst

69 days ago

Fraud Analyst, Secured Lending

Upstart · United States

Pay

$116k–160k

Setting

Remote

Apply Sign in to favorite Permalink

CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Fraud Analyst, Secured Lending Fraud Analyst, Secured Lending R-00085 Risk & Compliance Department ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Secured Lending Fraud Oversight function is the Bank's first-line fraud detection, investigation, and monitoring across the HELOC and Auto Lending business lines. As a business unit function, the team owns fraud risk identification, investigation of suspected fraudulent activity, referral package preparation, and fraud trend analysis and reporting. The fraud function operates with direct access to loan files, origination data, and dealer and channel relationships — enabling the depth and speed of investigation that the Bank's fraud risk profile demands. The team works in close coordination with the Secured Lending Quality Control function: QC analysts escalate fraud indicators identified during file reviews, and fraud analysts provide fraud-focused review support during lower-volume periods, consistent with a documented cross-utilization protocol and independence safeguards. As a Fraud Analyst, you will own day-to-day fraud detection and investigation for your assigned product line(s). You will investigate suspected fraud across the entire loan life cycle from application through loan servicing; identify and document emerging typologies and fraud patterns; prepare escalation and SAR referral packages for review; and partner with Operations, Risk, Compliance, and Legal to strengthen fraud controls across the business. This is an opportunity for an experienced fraud professional who is energized by building investigation programs in a fast-paced, technology-driven lending environment — and who wants to operate at the intersection of fraud, compliance, and AI-powered risk controls. How you’ll make an impact Own first-line fraud detection and investigation across your assigned secured lending product line(s), monitoring for suspicious activity and fraud indicators across application, origination, and servicing Investigate key fraud risks and emerging typologies, including application fraud, identity fraud (true-name and synthetic), income and employment misrepresentation, collateral fraud, and Auto dealer-related fraud patterns Investigate product specific fraud typologies including occupancy misrepresentation, valuation inflation, and undisclosed liabilities or loan stacking Prepare comprehensive fraud escalation and SAR referral packages for review — documenting facts, evidence, typology, and recommendations Conduct early payment default (EPD) fraud file reviews — performing fraud indicator review on loans reaching 60+ days past due within 90 days of origination Monitor and analyze fraud trends across origination channels, including application fraud rates, dealer-level fraud indicators, geographic concentrations, synthetic identity patterns, and channel-level risk signals; producing fraud metrics and trend reporting Maintain dealer fraud scorecards (Auto) and channel-level fraud indicator tracking, including pattern-based referrals and dealer suspension triggers in coordination with Vendor Management and dealer oversight functions Integrate closely with the Secured Lending QC team — triage fraud-related alerts surfaced by the QC Engine's daily monitoring output; provide typology and red flag feedback to improve detection rules and origination controls Coordinate across Operations, Compliance, Legal, and Risk on fraud control enhancements, law enforcement information requests, and regulatory response support Proactively identify regulatory risks related to fraud in your product line(s) and adjacent areas, including obligations under OCC Bulletin 2019-37, FFIEC BSA/AML Manual, Red Flags Rule (12 CFR Part 41, Subpart J), 12 CFR 21.11, and product-specific fraud risk requirements Support examination readiness by maintaining audit-ready fraud investigation case records, typology documentation, and program evidence aligned with OCC, FDIC, and CFPB expectations Minimum Qualifications 3+ years of experience in fraud investigation, fraud analytics, or financial crimes within consumer lending, banking, or a regulated financial institution Bachelor's degree or equivalent practical experience Experience investigating consumer lending fraud — including application fraud, identity fraud, income/employment misrepresentation, and collateral fraud Experience preparing fraud investigation case documentation — fact and evidence assembly, typology analysis, and written escalation packages for compliance or legal review Familiarity with SAR referral processes, 12 CFR 21.11 SAR thresholds and timelines Working knowledge of BSA/AML program requirements applicable to consumer lending, including CIP/CDD, OFAC screening, suspicious activity monitoring, and Red Flags Rule obligations Working knowledge of OCC enterprise fraud risk management and FFIEC BSA/AML Manual requirements relevant to fraud investigation and suspicious activity reporting Experience with fraud trend analysis — application fraud rate monitoring, typology identification, channel and geographic concentration analysis Ability to manage own workload, meet deadlines, and proactively communicate risk to timelines with minimal supervision Strong cross-functional collaboration skills — able to work effectively with Operations, Compliance, Legal, and Risk on fraud escalation and control improvement initiatives Preferred Qualifications Experience investigating dealer channel fraud, including power booking, ghost down payments, straw purchases, VIN cloning, title washing, and F&I product abuse Experience maintaining dealer-level fraud scorecards and pattern-based dealer monitoring or suspension workflows Experience investigating collateral fraud typologies in home equity lending — occupancy misrepresentation, appraisal inflation, undisclosed liabilities/loan stacking Familiarity with CIP/CDD execution requirements and fraud red flags in account draw activity and maintenance Experience identifying fraud indicators across income, identity, appraisal, and title documentation within origination files Certified Fraud Examiner (CFE) designation or active progress toward CFE certification Experience with fraud metrics reporting to management committees (Credit Committee, Risk Committee, or equivalent) Familiarity with EPD review processes and OCC fraud loss classification requirements Ability to translate investigation findings into structured, examination-ready documentation for OCC, FDIC, or CFPB review Collaborative approach to working across fraud, compliance, legal, and quality control functions in a fast-paced fintech environment Position location This role is available in the following locations: Remote 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-Associate 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 $115,800—$160,100 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 Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs 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 (US Only) 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, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. 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 APPLY NOW! Sign up for job alerts! First Name (required) Last Name (required) Email (required) Job Alert Finalize your job alert by selecting criteria from the dropdowns below. You can select multiple options from each dropdown by returning to the combobox and re-entering the list of options. Submit at the end to create your job alert. Categories Risk & Compliance Department Locations SUBMIT Similar Jobs Data Analyst, Home Lending Senior Collections Specialist Staff Data Analyst, Servicing Current Upstart employee? CLICK HERE Ready to Apply? First Name (required) Last Name (required) Phone Number (required) Email (required) Resume (required) Accepted formats: PDF, DOC, DOCX, RTF, ODT, XML, DOT, PNG, GIF, JPG, JPEG, ZIP What is your current location? Please note we are unable to hire candidates based in Quebec at this time. (required) United States Canada (outside of Quebec) Location Preference (required) As a digital-first company, we are providing our employees with the opportunity to work remotely across the US and/or from one of our physical office locations. Please select from the list below your primary work location preference(s). Primary work location is defined as where you will spend more than 50% of your time working. Before making your selection(s), please check to make sure that the location is listed as an option in the job’s description above. Multiple selections can be made if multiple locations are available. Remote is considered a location. San Mateo, CA Columbus, OH Austin, TX Remote Do you need, or will you need in the future, any immigration-related support or sponsorship from the Company in order to begin or continue employment with the Company? This includes support (such as J-1, F-1 CPT letter or STEM OPT Training Plan), visa sponsorship for employment (H-1B, H-1B1, E-3, O-1, or TN), and any EAD holders that will need longer term employment authorization (temporary work visa or permanent residency). (required) No Yes Before applying, how familiar were you with Upstart? (required) I was already familiar with Upstart I had heard of Upstart, but didn’t know much I learned about Upstart through this job posting or from a recruiter Before applying, how did you hear about Upstart? (required) A recruiter contacted me (email) A recruiter contacted me (LinkedIn message) Referred by a current Upstart employee Referred by someone outside Upstart (friend or former coworker) LinkedIn job post LinkedIn company page Upstart careers website Upstart blog or content Indeed Built In Hired Another job site Instagram X (Twitter) TikTok YouTube News article or press coverage General online search I use Upstart as a customer or partner Other Have you been employed by Upstart before? (required) No Yes LinkedIn Profile Website Voluntary Self-Identification of Disability Form CC-305 Page 1 of 1 OMB Control Number 1250-0005 Expires 04/30/2026 Why are you being asked to complete this form? We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years. Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp. How do you know if you have a disability? A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to: Alcohol or other substance use disorder (not currently using drugs illegally) Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS Blind or low vision Cancer (past or present) Cardiovascular or heart disease Celiac disease Cerebral palsy Deaf or serious difficulty hearing Diabetes Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders Epilepsy or other seizure disorder Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome Intellectual or developmental disability Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD Missing limbs or partially missing limbs Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS) Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities Partial or complete paralysis (any cause) Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema Short stature (dwarfism) Traumatic brain injury Disability Status (required) I do not want to answer No, I do not have a disability and have not had one in the past Yes, I have a disability, or have had one in the past If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans' Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Veteran Status (required) I don't wish to answer I identify as one or more of the classifications of a protected veteran I am not a protected veteran Voluntary Self-Identification For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file. As set forth in Upstart’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law. Race (required) Decline To Self Identify Two or More Races Native Hawaiian or Other Pacific Islander White Hispanic or Latino Black or African American Asian American Indian or Alaskan Native Gender (required) Decline To Self Identify Female Male PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete. APPLY OUR STORY LEADERSHIP CAREERS PRESS CONTACT US STORE AFFILIATES INVESTOR RELATIONS YOUR PRIVACY CHOICES CALIFORNIA NOTICE COLLECTION HELP CENTER LEGAL PRIVACY POLICY ACCESSIBILITY LEARN PERSONAL LOANS CAR LOAN REFINANCE DEBT CONSOLIDATION UPSTART LOGIN Copyright © 2012 - 2026 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403 Please choose the location(s)

Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.

Sales

69 days ago

Director, Consumer Credit Portfolio Solutions

Upstart · United States

Pay

$179k–247k

Setting

Remote

Apply Sign in to favorite Permalink

CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Director, Consumer Credit Portfolio Solutions Director, Consumer Credit Portfolio Solutions R-00088 Lending Partnerships Department ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 is transforming how banks and credit unions build and manage consumer credit portfolios. As Director, Consumer Credit Portfolio Solutions, you will partner with executive leaders at financial institutions to help them deploy capital into consumer lending assets through the Upstart Marketplace. You'll advise CEOs, CFOs, Chief Lending Officers, and investment leaders on how Upstart's marketplace can help them achieve their balance sheet, growth, and profitability objectives. You'll develop strategic relationships with banks and credit unions, helping them expand across Personal Loans, HELOC, Indirect Auto, and future consumer credit products. Working closely with Product, Capital Markets, Finance, Legal, Marketing, and Operations, you'll help shape both partner strategy and Upstart's evolving marketplace. This role requires someone who understands not only consumer lending, but also how financial institutions think about capital allocation, portfolio construction, risk-adjusted returns, liquidity, and growth. How you’ll make an impact Drive Marketplace Growth Lead the execution of go-to-market initiatives across Personal Loans, HELOC, Indirect Auto, and future marketplace products. Develop executive relationships with CEOs, CFOs, Chief Lending Officers, Chief Credit Officers, and investment leaders across banks and credit unions. Grow marketplace originations through new institutional partnerships. Lead complex commercial discussions. Demonstrate how Upstart assets improve yield, diversify portfolios, increase customer/member acquisition, and support strategic growth initiatives. Present portfolio analytics, return expectations, and marketplace trends to executive audiences. Build a High Performing Commercial Organization Recruit, coach, and develop a team of Consumer Credit Portfolio Account Executives. Establish sales strategy, market coverage, territory design, and performance expectations. Build a culture of accountability, continuous improvement, and customer obsession. Develop scalable commercial processes, executive messaging, account planning frameworks, and best practices that improve execution across the team. Represent Upstart externally Represent Upstart at industry conferences, executive forums, and trade associations. Position Upstart as the leading marketplace for consumer credit assets. Build long-term executive relationships throughout the banking and credit union ecosystem. Minimum qualifications 8+ years of experience working with banks or credit unions in strategic partnerships, institutional sales, capital markets, lending, or financial services. Demonstrated success advising executive leaders on complex financial, lending, capital markets, or strategic partnership solutions. Experience engaging executive decision makers including CEOs, CFOs, Chief Lending Officers, Chief Credit Officers, and Boards. Strong understanding of consumer lending products including Personal Loans, HELOC, Auto Lending, or Mortgage. Understanding of bank and credit union balance sheet management, capital deployment, portfolio strategy, or loan sales. Excellent executive communication and presentation skills. Ability to navigate complex organizations and influence cross-functional stakeholders. Self-starter who thrives in an entrepreneurial environment. Proven track record of developing and leading a go to market team. Preferred qualifications Existing executive relationships within regional banks and credit unions. Experience with forward flow, whole loan sales, securitization, warehouse lending, or capital markets. Understanding of risk-adjusted returns and consumer credit portfolio construction. Familiarity with AI-enabled lending and consumer credit analytics. Position location This role is available in the following locations: Remote 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-Director 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 $178,800—$247,400 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 Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs 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 (US Only) 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, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. 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 APPLY NOW! Sign up for job alerts! First Name (required) Last Name (required) Email (required) Job Alert Finalize your job alert by selecting criteria from the dropdowns below. You can select multiple options from each dropdown by returning to the combobox and re-entering the list of options. Submit at the end to create your job alert. Categories Lending Partnerships Department Locations SUBMIT Similar Jobs There are currently no jobs matching this criteria Current Upstart employee? CLICK HERE Ready to Apply? First Name (required) Last Name (required) Phone Number (required) Email (required) Resume (required) Accepted formats: PDF, DOC, DOCX, RTF, ODT, XML, DOT, PNG, GIF, JPG, JPEG, ZIP What is your current location? Please note we are unable to hire candidates based in Quebec at this time. (required) United States Canada (outside of Quebec) Location Preference (required) As a digital-first company, we are providing our employees with the opportunity to work remotely across the US and/or from one of our physical office locations. Please select from the list below your primary work location preference(s). Primary work location is defined as where you will spend more than 50% of your time working. Before making your selection(s), please check to make sure that the location is listed as an option in the job’s description above. Multiple selections can be made if multiple locations are available. Remote is considered a location. San Mateo, CA Columbus, OH Austin, TX Remote Do you need, or will you need in the future, any immigration-related support or sponsorship from the Company in order to begin or continue employment with the Company? This includes support (such as J-1, F-1 CPT letter or STEM OPT Training Plan), visa sponsorship for employment (H-1B, H-1B1, E-3, O-1, or TN), and any EAD holders that will need longer term employment authorization (temporary work visa or permanent residency). (required) No Yes Before applying, how familiar were you with Upstart? (required) I was already familiar with Upstart I had heard of Upstart, but didn’t know much I learned about Upstart through this job posting or from a recruiter Before applying, how did you hear about Upstart? 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APPLY OUR STORY LEADERSHIP CAREERS PRESS CONTACT US STORE AFFILIATES INVESTOR RELATIONS YOUR PRIVACY CHOICES CALIFORNIA NOTICE COLLECTION HELP CENTER LEGAL PRIVACY POLICY ACCESSIBILITY LEARN PERSONAL LOANS CAR LOAN REFINANCE DEBT CONSOLIDATION UPSTART LOGIN Copyright © 2012 - 2026 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403 Please choose the location(s)

Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.

Financial Services

71 days ago

Senior Manager, Privacy Engineering

Upstart · United States

Pay

$191k–264k

Setting

Remote

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CAREERS HOME OPEN ROLES BLOG ABOUT UPSTART CAREERS PROFILE Senior Manager, Privacy Engineering Senior Manager, Privacy Engineering R-00082 Engineering Department ADD TO FAVORITES VIEW FAVORITES 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 3,000 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 Privacy Engineering team builds the systems, controls, and practices that help protect borrower, applicant, partner, and Upstarter data across our products and platforms. The team works across Engineering, Security, Legal, Compliance, Product, Data, and Machine Learning to embed privacy-by-design into how Upstart builds, uses, retains, and governs data. As the Senior Manager, Privacy Engineering at Upstart, you will lead the team responsible for building scalable privacy infrastructure and technical privacy controls across Upstart’s AI lending marketplace. You will set the team’s roadmap, grow and support privacy engineers, and help translate privacy and regulatory requirements into durable engineering systems. How you’ll make an impact Lead the Privacy Engineering team’s strategy, roadmap, and execution across privacy infrastructure, data governance, and privacy-by-design initiatives Hire, coach, and develop a team of privacy engineers while establishing clear operating rhythms, priorities, and technical standards Guide the design and delivery of scalable privacy controls, including data discovery, classification, access controls, audit logging, retention, deletion, lineage, encryption, and key management Partner with Legal, Compliance, Security, Product, Data, Machine Learning, and Infrastructure teams to translate privacy requirements into practical technical solutions Oversee privacy reviews, technical risk assessments, and threat modeling for new products, data flows, models, and platform capabilities Define metrics and communicate progress, tradeoffs, dependencies, and risks to technical and cross-functional stakeholder Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 8+ years of experience in engineering, including at least 3 years of direct people management experience Experience leading engineering teams responsible for production software, platform, privacy, security, or data systems Experience designing, building, or operating privacy, security, data governance, or data platform capabilities in production environments Experience translating privacy, security, compliance, or regulatory requirements into technical controls Experience working with cross-functional partners such as Legal, Compliance, Security, Product, Data, or Machine Learning teams Preferred Qualifications Knowledge of privacy-by-design principles, data minimization, purpose limitation, consent, retention, deletion, and data subject rights Knowledge of privacy and data protection regulations or frameworks such as GDPR, CCPA/CPRA, GLBA, FCRA, or similar requirements Experience with privacy reviews, threat modeling, risk assessments, data inventories, lineage systems, or automated policy enforcement Experience building privacy or governance controls for machine learning, AI, financial services, lending, or other regulated data environments Ability to communicate technical privacy tradeoffs clearly across engineering, legal, product, security, and business audiences 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 $190,600—$263,900 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 Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs 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 (US Only) 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, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. 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 APPLY NOW! Content missing Similar Jobs Senior Engineering Manager, Upstart Bank Senior Engineering Manager, Upstart Bank Senior Security Engineering Manager, Product Security Current Upstart employee? CLICK HERE Ready to Apply? Content missing OUR STORY LEADERSHIP CAREERS PRESS CONTACT US STORE AFFILIATES INVESTOR RELATIONS YOUR PRIVACY CHOICES CALIFORNIA NOTICE COLLECTION HELP CENTER LEGAL PRIVACY POLICY ACCESSIBILITY LEARN PERSONAL LOANS CAR LOAN REFINANCE DEBT CONSOLIDATION UPSTART LOGIN Copyright © 2012 - 2026 Upstart Network, Inc. All rights reserved. 2950 S. Delaware Street, San Mateo, CA 94403

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