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:

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 Net Suite 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.

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**$124,000—$172,000 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

• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year

• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees

• Affordable medical, dental, and vision coverage, with multiple plan options

• Upstart covers 90% to 100% of the cost depending on the plans you choose

• Health Savings Account contributions from Upstart for eligible plans

• Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage

• Paid time off, sick and safe time, and company holidays

• Paid family and parental leave to support caregiving and major life moments

• Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving

• 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

• 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 and onsites, all-company updates, and employee resource groups (ERGs)

• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

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