About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team:
The FP&A team at Upstart plays an integral part in the company’s business and financial planning process. We are looking for a highly motivated and hard-working individual to join our team with a key role in managing balance sheet, cash and liquidity.
As a Finance Manager at Upstart, you will drive and support all aspects of FP&A which includes in-depth financial and business planning, collaborating with business leaders across the company, and driving analyses for business and strategic cases. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks. If you are naturally curious, love data, versed in financial modeling and analysis, and an excellent communicator who enjoys collaborating with people with a diverse set of talents, this could be a great opportunity for you.
How you’ll make an impact
- Lead financial forecasting, planning, and reporting for the balance sheet, net interest income, and risk capital.
- Own forecasting accuracy for balance sheet composition, fair value adjustments, and net interest margin.
- Build and maintain financial models and BI dashboards for scenario planning, variance analysis, and executive reporting.
- Partner with Analytics, Accounting, Treasury, and Capital Markets to ensure accurate modeling and compliance with GAAP and regulatory standards.
- Drive process improvements and automation within FP&A to improve accuracy, efficiency, and scalability.
- Support month-end and quarter-end close, earnings prep, board materials, and business reviews with actionable insights
Minimum Qualifications
- BS/MS in Finance, Economics, Computer Science, Statistics, or related field (or equivalent experience).
- 7+ years of relevant experience in FP&A, Accounting, Investment Banking, or Corporate Finance.
- Strong expertise in balance sheet, liquidity, and cash management.
- Familiarity with consumer credit capital markets, private credit, structured finance/products/transactions.
- Advanced proficiency in Excel/Google Sheets; adept at handling large datasets.
- Strategic thinker with strong analytical and problem-solving skills.
- Exceptional communication and presentation skills, with ability to influence senior leadership.
- Highly organized, able to manage multiple priorities under tight deadlines.
- Adaptable, independent, and effective in fast-paced environments.
Preferred Qualifications
- CPA certification with strong knowledge of GAAP and fair value accounting principles.
- Experience with NetSuite and FP&A tools such as Adaptive Planning.
- Proficiency with business intelligence and reporting tools (e.g., Looker, Tableau, Mode).
- Familiarity with advanced analytics tools such as SQL, Python, or R.
- Prior experience in the consumer marketplace lending or fintech industry.
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones. [Only use this section if there are specific time zone requirements that this role must work in; if the role is remote-US or can work in any timezone in the US, please remove this section.
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.
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-MidSenior --> use for L5, L6
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
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