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:
Upstart’s Disputes team is responsible for managing all aspects of the customer dispute process. This includes handling direct and indirect credit disputes. The team ensures compliance with all regulatory requirements, maintains service level agreements (SLAs), and delivers high-quality, timely resolutions for every customer interaction.
As the Operations Manager, Disputes at Upstart, you will lead a high-performing team responsible for managing all incoming disputes and related claims. You’ll oversee daily operations, guide the team through complex workflows, and partner cross-functionally to enhance efficiency, maintain compliance, and improve the customer experience. You will play a pivotal role in ensuring Upstart upholds its commitment to accuracy, fairness, and timeliness in all dispute-related matters.
How you’ll make an impact
- Lead and manage the day-to-day operations of the Disputes team, supporting a group of 10 specialists.
- Act as the primary escalation point for complex or sensitive disputes, ensuring timely and compliant resolution.
- Oversee and streamline workflows for credit disputes to meet internal and regulatory SLAs.
- Implement process improvements to increase operational efficiency and accuracy. Partner with the product team to create automation where possible.
- Collaborate cross-functionally with Compliance, Legal, Credit Reporting, and Customer Operations teams to align on policies and escalations.
- Monitor Quality assurance metrics and provide coaching, feedback, and professional development to team members to foster growth and engagement.
- Track and analyze dispute trends to identify root causes, mitigate risks, and inform process or policy updates.
- Ensure adherence to Fair Credit Reporting Act (FCRA).
Minimum Qualifications
- Bachelor’s degree in Business, Finance, Operations Management, or a related field, or equivalent practical experience.
- 4+ years of experience in operations, credit disputes, or consumer lending environments.
- Minimum of 4 years experience in an operations management role, including at least 2 years focused exclusively managing and leading a dispute and fraud operations team.
- Strong understanding of FCRA, SCRA, and identity theft claim handling requirements.
- Proven track record of meeting SLAs and driving performance through metrics and process improvement.
- Demonstrated success in revamping and leading a fraud or identity theft investigations team, including implementation of process improvements that resulted in measurable gains in efficiency and risk reduction.
- Extensive experience with various identity theft typologies (e.g., synthetic ID, account takeover, new account fraud).
- Strong understanding of Metro 2 Reporting Standards.
- Expertise in fraud claim validation best practices.
Preferred Qualifications
- Experience working in fintech, banking, or a credit reporting environment.
- e-Oscar expertise and managing indirect disputes received from the credit reporting agencies.
- Skilled in process optimization, workflow automation, and root cause analysis.
- Knowledge of credit reporting systems and dispute management tools.
- Ability to interpret and apply regulatory requirements to operational processes.
- Excellent written and verbal communication skills with the ability to communicate complex information clearly.
- Demonstrated ability to lead through change and foster a culture of accountability and continuous improvement.
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.
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).
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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