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Upstart

Senior Manager, Loan Salability & First-Line Model Governance

Upstart · United States | Remote

Posted about 3 months ago

or apply directly on Upstart's site. We never take the application ourselves.

Is this posting real?

This role has been open
81 days
Upstart's roles stay open a median of 82 days
Reposted
No
Salary listed
No
0% of Upstart's roles list one
Ghost-job risk at Upstart
high
93 stale, 5 reposted of 93 open
Hiring momentum
135 roles opened in the last 90 days
↑ up vs. the prior 90 days
Last confirmed on the employer's board
2026-10-24

Measured from postings appearing on and disappearing from Upstart's own greenhouse board since 2026-08-03. Full hiring picture for Upstart.

About this role

As the Senior Manager of Loan Salability & First-Line Model Governance at Upstart, you will oversee the risk and control infrastructure for secured lending products, ensuring they operate within governance and regulatory standards. You will lead a team of analysts to monitor loan salability, asset quality, and model performance, collaborating with various departments to establish methodologies and reporting routines. Your role will involve tracking portfolio trends, escalating risks, and translating findings into actionable plans to maintain compliance and operational excellence.

Our read on this posting3.0out of 5
benefits
5/5
freshness
1/5
career value
4/5
role clarity
5/5
pay transparency
0/5

Scored from the posting itself — how clearly the role is described, how much it says about pay and benefits, and how recently it was listed. Not a judgement of Upstart as an employer.

What you need

  • 8+ years of experience in business-line credit risk, loan quality, asset-backed or secured lending operations, or first-line model governance supporting secured or asset-backed consumer lending products.
  • Experience with loan-level quality review, loan salability oversight, Capital Markets or investor delivery, repurchase or put-back risk, bank partner audits, collateral documentation review, or pre-sale quality control in a regulated lending environment.
  • Experience monitoring portfolio performance and asset quality indicators across multiple origination channels, including early payment default, delinquency, prepayment, loss severity, non-performing loan trends, credit policy exceptions, threshold breaches, or channel-level pricing and fair lending patterns.
  • Experience with first-line model oversight, production model monitoring, model implementation governance, model inventory documentation, or model performance escalation processes.
  • Experience partnering with Capital Markets, investors, bank partners, or funding teams to evaluate loan eligibility, resolve delivery exceptions, interpret investor requirements, and mitigate repurchase, put-back, or make-whole exposure.
  • Experience leading analysts, managing a review function, or owning cross-functional loan salability, asset quality, credit, or first-line model governance programs.

Nice to have

  • Familiarity with auto indirect or dealer channel lending dynamics, including pricing discretion, dealer markup, and fair lending considerations relevant to indirect origination channels; ability to partner with fair lending oversight functions to interpret and escalate channel-level findings.
  • Knowledge of secured lending and secondary-market quality expectations, including exposure to first mortgage or asset-backed lending frameworks such as investor eligibility standards, collateral documentation, lien perfection, representations and warranties, defect remediation, trailing performance thresholds, and repurchase or make-whole risk.
  • Knowledge of consumer lending and fair lending requirements relevant to secured products, including Equal Credit Opportunity Act/Regulation B, Unfair, Deceptive, or Abusive Acts or Practices, Fair Credit Reporting Act, TILA/Regulation Z, dealer markup oversight, adverse action, or credit decisioning controls.
  • Ability to evaluate production model execution, validation outputs, fair lending review outputs, underwriting accuracy, pricing consistency, and performance trends against approved thresholds.
  • Skilled in producing exam-ready policy documents, governance materials, issue tracking, executive summaries, and bank partner reporting.

What you get

  • 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

Worth weighing

  • No specific salary listed, but a range is provided based on location and experience.
  • Role involves significant collaboration across multiple departments, which may require strong interpersonal skills and adaptability.
  • The position is remote but emphasizes in-person collaboration, which may not suit all candidates.
  • The role requires extensive experience in a regulated lending environment, which may limit the candidate pool.

Summarised from Upstart's posting. Read the full original.

Listed by Upstart on their greenhouse job board, last confirmed open on 2026-10-24. PitchMeAI is not the employer.

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