Director, Consumer Credit Portfolio Solutions

Upstart

11d•$178,800 - $247,400•Remote

About The Position

Upstart is transforming how banks and credit unions build and manage consumer credit portfolios. As Director, Consumer Credit Portfolio Solutions, you will partner with executive leaders at financial institutions to help them deploy capital into consumer lending assets through the Upstart Marketplace. You'll advise CEOs, CFOs, Chief Lending Officers, and investment leaders on how Upstart's marketplace can help them achieve their balance sheet, growth, and profitability objectives. You'll develop strategic relationships with banks and credit unions, helping them expand across Personal Loans, HELOC, Indirect Auto, and future consumer credit products. Working closely with Product, Capital Markets, Finance, Legal, Marketing, and Operations, you'll help shape both partner strategy and Upstart's evolving marketplace. This role requires someone who understands not only consumer lending, but also how financial institutions think about capital allocation, portfolio construction, risk-adjusted returns, liquidity, and growth.

Requirements

8+ years of experience working with banks or credit unions in strategic partnerships, institutional sales, capital markets, lending, or financial services.
Demonstrated success advising executive leaders on complex financial, lending, capital markets, or strategic partnership solutions.
Experience engaging executive decision makers including CEOs, CFOs, Chief Lending Officers, Chief Credit Officers, and Boards.
Strong understanding of consumer lending products including Personal Loans, HELOC, Auto Lending, or Mortgage.
Understanding of bank and credit union balance sheet management, capital deployment, portfolio strategy, or loan sales.
Excellent executive communication and presentation skills.
Ability to navigate complex organizations and influence cross-functional stakeholders.
Self-starter who thrives in an entrepreneurial environment.
Proven track record of developing and leading a go to market team.

Nice To Haves

Existing executive relationships within regional banks and credit unions.
Experience with forward flow, whole loan sales, securitization, warehouse lending, or capital markets.
Understanding of risk-adjusted returns and consumer credit portfolio construction.
Familiarity with AI-enabled lending and consumer credit analytics.

Responsibilities

Lead the execution of go-to-market initiatives across Personal Loans, HELOC, Indirect Auto, and future marketplace products.
Develop executive relationships with CEOs, CFOs, Chief Lending Officers, Chief Credit Officers, and investment leaders across banks and credit unions.
Grow marketplace originations through new institutional partnerships.
Lead complex commercial discussions.
Demonstrate how Upstart assets improve yield, diversify portfolios, increase customer/member acquisition, and support strategic growth initiatives.
Present portfolio analytics, return expectations, and marketplace trends to executive audiences.
Recruit, coach, and develop a team of Consumer Credit Portfolio Account Executives.
Establish sales strategy, market coverage, territory design, and performance expectations.
Build a culture of accountability, continuous improvement, and customer obsession.
Develop scalable commercial processes, executive messaging, account planning frameworks, and best practices that improve execution across the team.
Represent Upstart at industry conferences, executive forums, and trade associations.
Position Upstart as the leading marketplace for consumer credit assets.
Build long-term executive relationships throughout the banking and credit union ecosystem.

Benefits

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!)