Page 1
Loading more openings…
You've reached the end of the list.
Finance Manager, Bank Finance
Upstart · United States
Pay
$133k–185k
Setting
Remote
CAREERS HOME
OPEN ROLES
BLOG
ABOUT UPSTART
CAREERS PROFILE
Finance Manager, Bank Finance
Finance Manager, Bank Finance
R-00170
Finance
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 Corporate FP&A team is seeking an experienced, execution-focused Finance Manager to support strategic finance for Upstart Bank. This role will own the bank's integrated financial model, lead financial forecasting and scenario analysis, support Bank Board and Asset Liability Committee (ALCO) reporting, and monitor the bank's financial performance, balance sheet, liquidity, and regulatory capital position.
As a Finance Manager, Bank Finance, you will serve as a key finance partner responsible for Upstart Bank's financial planning and forecasting processes. You'll work closely with Treasury, Risk, Accounting, Capital Markets, Product, and other cross-functional partners to develop reliable financial forecasts and translate complex banking and regulatory concepts into clear, actionable insights. This role offers significant exposure to executive leadership and the opportunity to help build the financial planning infrastructure for a growing digital bank.
How you’ll make an impact
Financial Planning & Modeling
Own and enhance the bank's integrated financial model across the income statement, balance sheet, cash flow, capital, liquidity, and regulatory forecasting
Develop long-range forecasts, scenario analyses, and planning assumptions that support strategic planning and regulatory readiness
Support strategic planning by evaluating new products, funding strategies, and balance sheet initiatives through financial modeling and scenario analysis
Continuously improve model governance, automation, and forecasting accuracy
Board, ALCO & Executive Reporting
Own and enhance the bank's integrated financial model across the income statement, balance sheet, cash flow, capital, liquidity, and regulatory forecasting
Develop long-range forecasts, scenario analyses, and planning assumptions that support strategic planning and regulatory readiness
Support strategic planning by evaluating new products, funding strategies, and balance sheet initiatives through financial modeling and scenario analysis
Continuously improve model governance, automation, and forecasting accuracy
Financial Performance & Analytics
Monitor financial and operating performance through recurring reporting and variance analysisIdentify key business drivers, emerging risks, and opportunities, providing actionable recommendations to leadershipBuild dashboards and reporting that improve transparency into bank financial performance, balance sheet trends, capital, and liquidity
Cross-Functional Partnership
Partner closely with Treasury, Risk, Accounting, Product, Capital Markets, and Corporate FP&ASupport strategic initiatives, regulatory requests, and cross-functional planning that enable the continued growth of Upstart Bank
Support capital planning, balance sheet forecasting, and financial stress-testing exercises
Partner with Treasury and Risk to evaluate the financial impact of business growth, funding strategies, balance sheet decisions, and changing economic conditions
Minimum Qualifications
Bachelor’s degree in Finance, Economics, Accounting, Business, or a related field, or equivalent professional experience
7+ years of relevant experience in Financial Services, Corporate Finance, Treasury Finance, Capital Planning, Asset Liability Management, Strategic Finance, or FP&A
Experience working within a bank, fintech, consumer lender, or other regulated financial institution
Strong understanding of bank financial statements, balance sheet management, capital planning, and financial forecasting
Advanced proficiency in Excel or Google Sheets, including experience building and maintaining complex financial models
Strong analytical and problem-solving skills, with the ability to identify key financial drivers and risks
Clear written and verbal communication skills, including the ability to present complex financial information to senior audiences
Highly organized and able to manage multiple priorities under tight deadlines
Self-starter with strong attention to detail, ownership, and execution discipline
Preferred Qualifications
Experience supporting ALCO, Board reporting, Treasury Finance, capital planning, or bank financial forecasting
Experience supporting integrated bank financial modeling across the income statement, balance sheet, capital, and liquidity, including stress testing and capital adequacy assessments
Familiarity with regulatory capital frameworks and metrics, including CET1, Tier 1 Capital, Total Capital, leverage ratio, risk-weighted assets, and the Community Bank Leverage Ratio (CBLR)
Understanding of asset liability management, interest-rate risk, liquidity management, deposit modeling, and funding strategy
Experience preparing materials for a bank Board, Board committee, ALCO, or other governance forum
Experience with Adaptive Planning, NetSuite, or similar financial planning and accounting systems
Proficiency with business intelligence and reporting tools such as Looker, Tableau, or Mode
Familiarity with SQL or other advanced analytical tools
Prior experience in digital banking, consumer lending, marketplace lending, or a de novo bank 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-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
$133,400—$184,600 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
Locations
SUBMIT
Similar Jobs
Funding & Liquidity Manager
Fraud Analyst, Secured Lending
Portfolio Manager, Risk Capital
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 (required)
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.
Funding & Liquidity Manager
Upstart · United States
Pay
$160k–221k
Setting
Remote
CAREERS HOME
OPEN ROLES
BLOG
ABOUT UPSTART
CAREERS PROFILE
Funding & Liquidity Manager
Funding & Liquidity Manager
R-00159
Finance
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 Bank is a purpose-built, technology-enabled bank that combines innovative lending with disciplined balance sheet and risk management. The Treasury team supports sustainable growth by maintaining reliable access to funding, managing liquidity risk, and preparing the Bank to respond effectively across changing market conditions and economic cycles.
As the Funding & Liquidity Manager, you will own the Bank’s day-to-day funding and liquidity management framework. Reporting to the Bank Treasurer, you will execute wholesale funding activities, manage collateral and secured borrowing capacity, monitor liquidity risk, and maintain contingency funding readiness. You will partner closely with Finance, Risk, Lending, Deposit Product, Operations, Accounting, and Regulatory Reporting to support a resilient balance sheet.
How you’ll make an impact
Execute the Bank’s wholesale funding strategy, evaluating and managing funding sources such as Federal Home Loan Bank advances, brokered and reciprocal deposits, listing service deposits, federal funds purchased, and other wholesale instruments.
Manage pledged collateral and borrowing capacity across the Federal Home Loan Bank and Federal Reserve Discount Window, including eligibility reviews, pledging, substitutions, borrowing tests, and readiness under normal and stressed conditions.
Monitor the Bank’s liquidity position through daily, weekly, and monthly reporting, including survival horizon, available liquidity, unencumbered liquid assets, funding concentrations, maturity profiles, deposit composition, collateral utilization, and early warning indicators.
Prepare baseline and stressed liquidity forecasts, analyze deposit and funding behavior, quantify contingent funding needs, and recommend actions to address emerging liquidity risks.
Maintain the Contingency Funding Plan, funding playbooks, operational procedures, counterparty contacts, and borrowing documentation, and coordinate periodic contingency funding exercises.
Prepare liquidity reporting for the Asset and Liability Committee, executive management, the Board, Internal Audit, and regulators while supporting policy administration, examinations, audits, and Treasury reporting enhancements.
Minimum Qualifications
Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field, or equivalent practical experience.
10+ years of experience in bank treasury funding, asset and liability management, or liquidity risk management.
Experience working within a commercial bank, community bank, or bank holding company.
Experience executing wholesale funding transactions and managing secured borrowing facilities.
Experience producing liquidity reporting, forecasts, or stress-testing analyses used to monitor compliance with liquidity limits and regulatory requirements.
Preferred Qualifications
Experience supporting liquidity stress testing, contingency funding planning, and reporting to an Asset and Liability Committee or Board.
Knowledge of bank regulatory reporting and liquidity guidance, including Call Report requirements.
Advanced spreadsheet and financial modeling skills; familiarity with Bloomberg, asset and liability management platforms such as Empyrean, QRM, Bancware, or similar tools.
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-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
$159,500—$220,700 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
Locations
SUBMIT
Similar Jobs
Finance Manager, Bank Finance
Portfolio Manager, Risk Capital
Funding Delivery 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 (required)
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.
Manager, Internal Audit
Upstart · United States
Pay
$133k–185k
Setting
Remote
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’s Internal Audit team provides independent, objective assurance to the Bank's Audit Committee and Board of Directors regarding the effectiveness of governance, risk management, compliance, and internal control processes. The team plays a critical role in supporting the Bank's safety and soundness by evaluating key risks across credit, compliance, operations, technology, cybersecurity, model risk management, third-party risk management, fraud risk, and financial reporting.
The team works closely with Bank leadership, regulators, external auditors, and the internal audit team at parent company Upstart Holdings, Inc.(UHI) to promote a comprehensive understanding of enterprise risks while maintaining the independence and objectivity required of the Bank's Internal Audit function.
As the Manager, Internal Audit at Upstart, you will play a foundational role in building and executing the Bank's Internal Audit program. You'll lead complex audits across banking, operational, technology, financial, and compliance risk areas while partnering with stakeholders across the organization to strengthen governance, manage emerging risks, and help shape the future of Internal Audit at Upstart Bank.
How you’ll make an impact
- Lead complex risk-based audits from planning through reporting, including risk assessment, control evaluation, testing, issue development, and remediation validation.
- Evaluate the effectiveness of governance, risk management, compliance, and internal controls across banking, technology, operational, and financial processes.
- Build trusted partnerships with business leaders by communicating risks, identifying opportunities for improvement, and delivering practical, risk-based recommendations.
- Support development and execution of the Bank's annual risk-based audit plan and help mature audit methodologies, quality assurance activities, and continuous monitoring capabilities.
- Coordinate audit activities with Upstart Holdings Internal Audit, co-sourced providers, and external auditors to promote efficient enterprise risk coverage and consistent audit execution.
- Leverage data analytics, automation, and approved AI tools to improve audit quality, efficiency, and insight generation.
Minimum Qualifications
- Bachelor's degree in Accounting, Finance, Business, Information Systems, Risk Management, or a related field.
- 7+ years of progressive experience in internal audit, external audit, risk management, regulatory oversight, or financial services.
- Experience auditing banking, fintech, lending, payments, or other technology-enabled financial services organizations.
- Experience leading audits independently from planning through reporting and remediation follow-up.
- Strong understanding of internal controls, risk-based auditing, governance, and professional auditing standards.
- Excellent written and verbal communication skills with the ability to influence stakeholders and present complex issues clearly.
Preferred Qualifications
- CPA, CIA, CISA, or another relevant audit, accounting, or risk management certification.
- Knowledge of OCC regulatory expectations, FDICIA, SOX, consumer compliance, technology risk, cybersecurity, model risk, or third-party risk management.
- Experience working with co-sourced audit providers, external auditors, or regulatory examinations.
- Experience helping build or enhance an Internal Audit function, audit methodology, or Quality Assurance and Improvement Program (QAIP).
- Experience using data analytics, automation, or GenAI tools to improve audit execution and reporting.
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-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
$133,400—$184,600 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
Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.
Senior Product Manager, HELOC Decisioning
Upstart · United States
Pay
$162k–224k
Setting
Remote
CAREERS HOME
OPEN ROLES
BLOG
ABOUT UPSTART
CAREERS PROFILE
Senior Product Manager, HELOC Decisioning
Senior Product Manager, HELOC Decisioning
R-00164
San Carlos, California, United States
Product Group
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:
The Upstart Home Lending team is on a mission to dramatically scale our Home Equity Line of Credit (HELOC) business through 2027 and beyond. We’re building the fastest, simplest way for homeowners to access their home equity while delivering industry-leading rates, with a focus on increasing applicant conversion, reducing cost per loan, and maintaining the high risk standards required to support a healthy capital markets business.
As the Senior Product Manager, HELOC Decisioning at Upstart, you will own the strategy and execution of our underwriting and verification experience, helping more qualified borrowers access HELOCs with less friction and better rates. You'll partner across engineering, risk, ML, capital, and compliance to expand borrower eligibility, increase automation and instant approvals, and build intelligent decisioning systems that optimize conversion, operational efficiency, and portfolio quality.
How you’ll make an impact
Own the strategy and roadmap for streamlining the our decisioning & verification experience, translating risk, capital, compliance, and borrower-experience needs into clear priorities, requirements, and launch plans
Collaborate cross-functionally with Capital, Compliance, Risk, and ML on expanding underwriting guidelines to reach new borrowers; lead delivery of expanded borrower segments
Define and evolve the backend logic for underwriting and decisioning, ensuring complex engineering systems capture all aspects of borrower risk; balance accuracy with friction, choosing the appropriate amount of data vs. uncertainty in risk tradeoffs
Increase automation and instant approvals in the HELOC underwriting process by leveraging new data sources and/or ML (including LLMs) to reduce manual human work while increasing speed and quality
Minimum Qualifications
5+ years of product management experience on fast-moving, customer-obsessed teams.
Demonstrated ability to drive business outcomes through a strong balance of quantitative metrics and qualitative insight. You are pragmatic about data, comfortable making decisions with imperfect information, and have well-calibrated risk judgment.
Strong product sense with experience authoring and executing multi-quarter roadmaps, and living with the downstream consequences of those decisions.
Rigorous, analytical problem solver with clear, concise, and persuasive communication skills.
Ownership and growth mindset. You act like an owner, are confident yet humble, open to being wrong, and constantly seeking to improve both yourself and your team.
Stellar communication & collaboration skills to partner closely with xfn partners & surface relevant trade-offs clearly
Preferred Qualifications
Experience designing complex backend systems that drive direct business results
Experience partnering closely with Machine Learning teams
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
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
$162,100—$224,500 USD
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).
Canada | Remote - Anticipated Base Salary Range
$153,000—$190,000 CAD
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
Product Group
Locations
San Carlos, California, United States
SUBMIT
Similar Jobs
Senior Product Manager, ASPL
Principal Product Manager, Monetization
Principal Product Manager, Communications Platform
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.
Applied Scientist
Upstart · United States
Pay
$142k–196k
Setting
Remote
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 Unsecured Underwriting Machine Learning team develops and improves the models that inform credit decisions for our unsecured lending products. The team conducts machine learning research, evaluates model performance, and partners closely with engineering teams to translate promising ideas into scalable model improvements.
As an Applied Scientist, you will research and implement enhancements to Upstart’s core unsecured underwriting model. Your work will directly influence credit decisioning and help the team increase the pace of research while maintaining the rigor, reliability, and responsible oversight required of production underwriting models.
As an Applied Scientist in the Unsecured Underwriting Machine Learning team at Upstart, you will:
- Research machine learning and statistical approaches that improve the predictive performance of unsecured underwriting models.
- Design, implement, and evaluate model enhancements using rigorous experimentation and validation methods.
- Analyze model performance and downstream effects to confirm that proposed changes improve decisioning reliably.
- Partner with various engineering teams to support technical reviews, implementation, and deployment.
- Translate research findings into clear recommendations, documented methodologies, and production-ready solutions.
- Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field.
- 0–2 years of experience conducting machine learning, statistical modeling, or applied quantitative research in an academic or industry setting.
- Experience developing and evaluating machine learning or statistical models using Python.
- Demonstrated knowledge of probability, statistics, and machine learning methods.
- Experience designing experiments or validation analyses to assess model accuracy, reliability, or predictive performance.
- PhD in a quantitative field.
- Knowledge of supervised learning, model evaluation, and feature engineering techniques.
- Experience working with large or complex datasets and translating research concepts into implemented solutions.
- Ability to balance research velocity with analytical rigor, model reliability, and responsible decision-making.
- Strong written and verbal communication skills, with the ability to clearly explain technical concepts and collaborate effectively with cross-functional teams and stakeholders from diverse backgrounds.
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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- 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 & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#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
$141,500—$196,000 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
Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.
Senior Lifecycle Marketing Manager, Activation
Upstart · United States
Pay
$138k–220k
Setting
Remote
CAREERS HOME
OPEN ROLES
BLOG
ABOUT UPSTART
CAREERS PROFILE
Senior Lifecycle Marketing Manager, Activation
Senior Lifecycle Marketing Manager, Activation
R-00131
Growth 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 Growth Marketing team drives scalable, data-driven customer acquisition across our lending products. We design, execute, and optimize media strategies that connect consumers to credit at the moments that matter most.
As a Senior Lifecycle Marketing Manager at Upstart, you will be responsible for maintaining and growing our Activation (funnel conversion) program for Personal Loans and Small Dollar Loans. You will ideate, prioritize, execute, and report on journeys that drive applicants to complete their application and successfully fund their loan. Your primary levers will be email, SMS, push, and VoApps (ringless voicemail).
How you’ll make an impact
Drive growth from new and existing customers via the ideation,
launch, and optimization of omni-channel journeys
Responsibility for E2E execution of said journeys, including
business strategy definition, creative strategy, success metrics,
and read-out of results
Bridge the gap between a technical development teams,
product, and a strategic marketing team by creating detailed
requirements for projects, like audience criteria and if/then logic
Size and estimate potential project impact on CAC, revenue,
and other KPIs
Help build and execute against a hypothesis-driven testing
roadmap for owned journeys
Identify cross-functional opportunities to improve the customer
lifecycle, and provide strategic and operational leadership to
those projects
Uplevel the team’s processes and documentation of journeys
Maintain and improve reporting dashboards, in partnership
with Analytics
Partner with Creative team to build visually seamless, highly
engaging touchpoints
With the wider business, share plans, results, learnings, and best
practices
Serve as a CRM and lifecycle marketing subject matter expert
on the Growth team
What we are looking for:
4+ years experience in lifecycle marketing
A proven track record at driving measurable results toward KPIs
Ability to pull and translate complex data results into actionable,
revenue-driving insights with minimal assistance
Advanced skill in spreadsheet tools and familiarity with BI tools
such as Looker or Mode
A strong understanding of statistical testing principles within
CRM
Demonstrated success in managing complex cross-functional
projects with business, technical, and creative stakeholders
A self-starter who sees challenges as opportunities and is a
creative problem-solver
Hands-on experience in Iterable is a must
Excellent written and verbal communication skills
Highly driven and results-oriented work ethic
Experience with SMS and/or mobile push strongly preferred
Bonus if you’ve worked with a CDP (we use HighTouch)
Position location 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
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
$138,000—$220,000 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
Growth Department
Locations
SUBMIT
Similar Jobs
Lifecycle Marketing Manager
Head of Lifecycle Marketing, Core Products
Senior Performance Marketing Manager, Direct Mail and Offline Growth,
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 (required)
Website
What are your compensation expectations? (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.
Senior Manager, Policy & Governance
Upstart · United States
Pay
$172k–270k
Setting
Remote
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 Enterprise Risk Management team helps ensure Upstart Bank operates with a strong, scalable governance framework that supports responsible growth. The team partners across Risk, Compliance, Legal, and business functions to maintain effective policy governance, strengthen regulatory readiness, and provide high-quality reporting to executive leadership and the Board.
As the Senior Manager, Policy & Governance, you will lead Upstart Bank's policy governance program and oversee the processes, documentation, and governance records that support effective risk management and regulatory oversight. You'll partner across the organization to maintain a robust policy framework while ensuring board and committee governance activities are accurate, timely, and audit ready.
How you’ll make an impact
- Lead the enterprise policy governance program, ensuring the policy library remains accurate, current, accessible, and aligned with regulatory expectations.
- Oversee the end-to-end policy lifecycle, including policy reviews, approvals, exceptions, version control, and ongoing governance processes.
- Partner with Risk, Compliance, Legal, business leaders, and policy owners to coordinate policy development and approvals across the organization while maintaining efficient execution.
- Manage governance activities supporting Board and Risk Committee meetings, including coordinating materials, governance records, decision logs, committee charters, and meeting documentation.
- Ensure governance documentation and reporting are complete, timely, and audit ready to support OCC examinations, internal audit activities, and regulatory engagements.
- Lead and develop a small Policy & Governance team while continuously improving governance processes that enable the bank to scale responsibly
Minimum Qualifications
- Bachelor's degree or equivalent practical experience.
- 7+ years of experience in policy management, governance, enterprise risk management, or compliance within a regulated bank, bank holding company, or other regulated financial institution.
- Experience owning or administering an enterprise policy governance framework, including policy lifecycle management.
- Experience supporting Board, Risk Committee, or senior executive governance processes within a regulated financial institution.
- Experience producing executive- or regulator-facing governance documentation and reports with a high degree of accuracy and quality.
Preferred Qualifications
- Knowledge of OCC supervisory expectations and regulatory examination practices.
- Experience supporting a de novo bank, charter application, or rapidly growing regulated financial institution.
- Experience with governance, risk, and compliance (GRC) platforms.Background in Enterprise Risk Management, Internal Audit, or Compliance.
- Ability to use generative AI tools responsibly to improve drafting, editing, summarization, and consistency of governance documentation while applying appropriate human judgment for regulatory-facing content.
Position location 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
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
$172,000—$270,000 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
Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.
Analyst, Loan Salability & First-Line Model Governance
Upstart · United States
Pay
$116k–160k
Setting
Remote
CAREERS HOME
OPEN ROLES
BLOG
ABOUT UPSTART
CAREERS PROFILE
Analyst, Loan Salability & First-Line Model Governance
Analyst, Loan Salability & First-Line Model Governance
R-00128
Burlingame, California, United States
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 organization is building the first-line risk and control infrastructure that will support the next stage of growth across home equity line of credit, auto direct, and auto indirect dealer products. The team helps ensure secured lending products operate with clear governance, durable controls, high-quality execution, and readiness for bank partner and regulatory review.
Loan Salability & First-Line Model Governance monitors portfolio-wide trends across loan salability, asset quality, and model performance. The team tracks results against investor and bank partner thresholds, interprets model execution patterns across secured lending channels, and escalates systemic findings before they become repurchase events, partner concerns, or examination issues.
As an Analyst, Loan Salability & First-Line Model Governance at Upstart, you will support the day-to-day execution of this function by conducting loan-level reviews, organizing portfolio and model performance data, maintaining tracking tools, documenting findings, and preparing reporting and governance deliverables. You will report to the Senior Manager, Loan Salability & First-Line Model and work closely with Credit Risk, Capital Markets, Model Risk Management, Operations, and other secured lending partners.
How you'll make an impact
Execute loan-level quality reviews across secured lending originations, assessing documentation completeness, underwriting accuracy, eligibility adherence, collateral quality, and other salability criteria.
Pull, organize, and analyze portfolio performance data, including early payment defaults, delinquency trends, prepayment rates, loss severity, exception patterns, and other asset quality indicators.
Maintain recurring asset quality and salability risk reporting packages for bank partners, Capital Markets, and internal leaders, including data pulls, analysis, formatting, and quality checks.
Execute first-line model performance tracking — maintaining production model tracking tools, logging override and exception trends, tracking version changes, and independently flagging patterns that may indicate performance degradation or out-of-bounds behavior for escalation.
Maintain issue logs, defect trackers, remediation updates, and documentation libraries so records stay current, organized, and ready for bank partner or regulatory review.
Drive governance and exam readiness deliverables — independently assembling evidence packages, populating reporting templates, and coordinating materials for bank partner reviews, committee deliverables, and regulatory examinations.
Minimum Qualifications
3+ years of experience in financial services, credit operations, quality control, risk management, compliance, model monitoring, loan review, credit analysis, or a related analytical function.
Experience applying established review criteria to loan-level data, credit files, origination documentation, collateral documentation, or lending operations outputs.
Experience analyzing portfolio performance, asset quality indicators, credit policy exceptions, loan defects, remediation items, or operational risk trends.
Experience using Excel, Google Sheets, SQL, business intelligence tools, reporting tools, or similar systems to organize, analyze, and quality-check structured data.
Experience documenting findings, exceptions, issue status, remediation progress, or review results for risk, compliance, credit, operations, audit, bank partner, or regulatory stakeholders.
Preferred Qualifications
Experience with loan file review, quality control, pre-sale quality control, investor delivery, or loan salability review in mortgage, home equity, auto, or other secured lending products.
Knowledge of secured lending and secondary-market quality expectations, including investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, or repurchase risk.
Experience tracking and interpreting asset quality or portfolio performance indicators such as early payment default, delinquency, prepayment, loss severity, non-performing loan trends, or credit policy exception rates.
Knowledge of model monitoring concepts, model performance reporting, validation outputs, override and exception tracking, or model governance documentation in a lending or fintech environment.
Skilled in producing clear review summaries, governance materials, issue logs, reporting packages, and documentation that can support bank partner or regulatory review.
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-REMOTE
#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
Burlingame, California, United States
SUBMIT
Similar Jobs
Data Analyst, Home Lending
Home Lending Underwriter
Compliance & Controls Associate, Auto 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 (required)
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.
Compliance & Controls Manager, Growth
Upstart · United States
Pay
$145k–201k
Setting
Remote
CAREERS HOME
OPEN ROLES
BLOG
ABOUT UPSTART
CAREERS PROFILE
Compliance & Controls Manager, Growth
Compliance & Controls Manager, Growth
R-00122
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 Growth Compliance team partners with Marketing, Product, Legal, and second-line Compliance to help the business grow responsibly. The team enables the launch of marketing campaigns, customer experiences, and lending products by providing practical, risk-based compliance guidance that supports innovation while meeting consumer protection requirements.
As the Compliance & Controls Manager, you'll serve as a trusted first-line compliance partner for Upstart's Growth organization. This is a First Line of Defense (1LOD) role, working directly with the business to enable growth while managing risk. Unlike Upstart's Second Line of Defense (2LOD) Compliance and Risk teams, this role is embedded with the business, helping shape customer experiences and product initiatives before they launch.
This is an opportunity to help build and scale Upstart's first-line Growth Compliance function. During your first year, you'll play a key role in developing review frameworks, operating processes, and scalable ways of working that support new marketing, advertising, customer experience, and partnership initiatives as the business continues to grow.
How you’ll make an impact
Review marketing campaigns, customer communications, partner materials, and product launches to ensure compliance with applicable consumer protection laws and regulations before launch.
Partner closely with Marketing, Product, Legal, and second-line Compliance to provide practical, risk-based guidance that enables timely business decisions while managing regulatory risk.
Apply regulatory frameworks, including UDAAP and other consumer protection requirements, to evaluate new marketing claims, customer journeys, and emerging product experiences.
Help build and scale the team's first-line compliance operating model by developing practical review frameworks, governance, and processes that support a growing business.
Develop and continuously improve scalable review processes, procedures, checklists, and guidance that increase consistency and reduce review cycle times as the business grows.
Identify recurring compliance themes and recommend process improvements that strengthen first-line risk management and reduce future operational risk.
Leverage internal tooling and Generative AI solutions to improve review efficiency, document guidance, and enhance compliance workflows while applying appropriate human judgment
Minimum Qualifications
7+ years of experience reviewing marketing, advertising, or customer-facing content for compliance within banking, fintech, consumer lending, or another highly regulated industry.
Experience applying consumer protection regulations, including UDAAP and one or more of the following: Regulation B, TCPA, CAN-SPAM, or Fair Lending requirements.
Experience managing high-volume compliance reviews while meeting competing deadlines and supporting multiple concurrent product or marketing initiatives.
Experience partnering cross-functionally with Product, Marketing, Legal, or Compliance stakeholders to support product launches or marketing initiatives.
Preferred Qualifications
Knowledge of secured lending products, including HELOC or other secured consumer lending products.
Knowledge of compliance considerations related to AI-enabled customer experiences or automated decisioning.
Ability to translate complex regulatory requirements into practical guidance, procedures, and scalable review processes.
Experience using Generative AI tools to improve research, documentation, or compliance review workflows.
Ability to influence cross-functional stakeholders and build trusted partnerships in a fast-paced environment.
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-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
$145,100—$201,100 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!
Content missing
Similar Jobs
Compliance Risk & Controls Manager, Unsecured Line
Senior Manager, Policy & Governance
Director, Compliance & Control Oversight - Growth
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
Listed by Upstart for a position based in the United States. Employers on this board attest they are hiring domestically.
Principal Product Manager, Communications Platform
Upstart · United States
Pay
$188k–260k
Setting
Remote
CAREERS HOME
OPEN ROLES
BLOG
ABOUT UPSTART
CAREERS PROFILE
Principal Product Manager, Communications Platform
Principal Product Manager, Communications Platform
R-00124
Product Group
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:
Help Upstart become the world’s most radically pro-consumer company in finance! As we continue building toward long-term customer trust, deeper engagement, and lifetime value, platform investments are becoming increasingly important across the customer journey. Rather than owning individual customer experiences, platform product teams develop the core capabilities that allow feature teams to innovate faster while improving reliability, scalability, and regulatory readiness.
As the Principal Product Manager, Communications Platform, you will drive a greenfield initiative to establish the shared communications foundation for the company. Working closely with Engineering, Compliance, Risk, and product leaders across the business, you'll define the long-term vision for how communications are delivered, orchestrated, governed, and measured across every customer touchpoint. Your work will enable product teams to deliver more personalized, trusted experiences while providing the platform capabilities, compliance guardrails, and shared infrastructure needed to support both today's products and the next generation of AI-powered customer interactions.
How you’ll make an impact
Define and execute the product strategy and roadmap for Upstart's Communications Platform, balancing immediate business needs with a long-term platform vision.
Partner with engineering to build shared platform capabilities, including messaging APIs, delivery infrastructure, governance controls, and communication data models that support multiple products and channels.
Establish scalable platform abstractions that enable product teams to deliver customer communications more efficiently while reducing duplicated engineering effort.
Drive alignment across Engineering, Growth, Servicing, Capital, Banking, Compliance, Risk, and other cross-functional partners to prioritize platform investments and influence company-wide technical strategy.
Develop platform capabilities that improve regulatory compliance, auditability, and operational visibility through standardized controls and monitoring.
Define success metrics, evaluate platform performance, and use data and customer insights to continuously improve platform adoption, reliability, and business impact.
Evaluate external technologies and vendor partnerships that extend platform capabilities and support future product strategy.
Minimum Qualifications
Bachelor's degree in Computer Science, Engineering, Mathematics, Statistics, Economics, or a related field (or equivalent practical experience).
7+ years of product management experience building software products
Experience leading platform, infrastructure, or developer platform products in a software organization.
Experience partnering closely with engineering teams to define APIs, platform capabilities, or distributed systems.
Experience leading cross-functional product initiatives involving engineering and business stakeholders from strategy through successful delivery.
Preferred Qualifications
Experience building or scaling communications, messaging, engagement, or customer interaction platforms.
Experience in fintech, financial services, marketplaces, or other highly regulated industries.
Knowledge of regulatory compliance considerations for customer communications and platform governance.
Ability to develop long-term platform strategy while balancing near-term product delivery and organizational priorities.
Experience communicating technical strategy and influencing executive stakeholders across multiple organizations.
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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite 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
$187,900—$260,000 USD
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).
Canada | Remote - Anticipated Base Salary Range
$182,800—$230,000 CAD
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
Product Group
Locations
SUBMIT
Similar Jobs
Principal Product Manager, Monetization
Senior Product Manager, ASPL
Principal Product Manager, Pricing Platform
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
LinkedIn Profile
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
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.
Select a role
The full posting opens here — pay, setting and the full description, without leaving the list.