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Key details
Job Description
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 1,800 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 Auto team is transforming automotive lending by building technology that creates a seamless experience for borrowers, dealers, lending partners, and investors. The team is responsible for enabling scalable loan originations while maintaining operational excellence, compliance, and investor confidence across the lifecycle of every funded loan.
As the Funding Delivery Manager, Auto Loans, you will establish the operational foundation for funding delivery within Upstart's growing auto lending business. You will own the end-to-end funding delivery process, build scalable controls and reporting, and ensure funded loans consistently meet lending partner, investor, and regulatory requirements. Your work will directly improve funding performance while helping prepare the business for long-term growth under Upstart's bank charter.
How you’ll make an impact
- Own the end-to-end funding delivery process for Upstart's auto lending products, ensuring funded loans are delivered accurately and on time to lending partners and investors.
- Build and scale funding delivery processes, controls, and operational reporting that improve funding success rates, reduce exceptions, and support regulatory readiness as the business grows.
- Investigate funding exceptions, delivery failures, and reconciliation issues by conducting root cause analysis and partnering across teams to implement sustainable solutions.
- Establish and maintain quality standards for loan files, ensuring documentation and data consistently meet lending partner, investor, and regulatory requirements for saleability and downstream servicing.
- Partner closely with Product, Operations, Capital Markets, Servicing, Compliance, Engineering, and external stakeholders to design scalable funding workflows and drive continuous process improvements.
- Develop metrics, dashboards, and performance reporting to provide visibility into funding health, identify operational risks, and inform business decisions while leveraging AI-enabled tools responsibly to improve documentation, reporting, and exception analysis.
Minimum Qualifications
- Bachelor's degree in Business, Finance, Operations, Economics, or a related field (or equivalent practical experience).
- 5+ years of experience in lending operations, loan funding, capital markets operations, or financial services operations.
- Experience managing loan funding, delivery, investor reporting, or post-origination operational processes.
- Experience using operational metrics and data to investigate process issues and implement improvements.
- Experience partnering cross-functionally across capital markets, engineering, servicing, product and compliance teams.
- Experience leveraging AI-enabled tools responsibly to accelerate exception analysis, documentation, reporting, and/or operational process improvements while applying appropriate human judgment.
Preferred Qualifications
- Knowledge of auto lending products, funding workflows, and loan sale processes.
- Experience designing operational controls within a regulated financial institution.
- Ability to build scalable operational processes and documentation that support audit and regulatory requirements.
- Experience defining success metrics and operational controls for a new or evolving process.
- Skills in SQL, Excel, business intelligence tools, or dashboard development.
- Experience working with lending partners, investors, custodians, or third-party servicing 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 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).
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
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