Finance Manager, Bank Finance

Upstart

13h•$133,400 - $184,600•Remote

About The Position

Upstart's Corporate FP&A team is seeking an experienced, execution-focused Finance Manager to support strategic finance for Upstart Bank. This role will own the bank's integrated financial model, lead financial forecasting and scenario analysis, support Bank Board and Asset Liability Committee (ALCO) reporting, and monitor the bank's financial performance, balance sheet, liquidity, and regulatory capital position. As a Finance Manager, Bank Finance, you will serve as a key finance partner responsible for Upstart Bank's financial planning and forecasting processes. You'll work closely with Treasury, Risk, Accounting, Capital Markets, Product, and other cross-functional partners to develop reliable financial forecasts and translate complex banking and regulatory concepts into clear, actionable insights. This role offers significant exposure to executive leadership and the opportunity to help build the financial planning infrastructure for a growing digital bank.

Requirements

Bachelor’s degree in Finance, Economics, Accounting, Business, or a related field, or equivalent professional experience
7+ years of relevant experience in Financial Services, Corporate Finance, Treasury Finance, Capital Planning, Asset Liability Management, Strategic Finance, or FP&A
Experience working within a bank, fintech, consumer lender, or other regulated financial institution
Strong understanding of bank financial statements, balance sheet management, capital planning, and financial forecasting
Advanced proficiency in Excel or Google Sheets, including experience building and maintaining complex financial models
Strong analytical and problem-solving skills, with the ability to identify key financial drivers and risks
Clear written and verbal communication skills, including the ability to present complex financial information to senior audiences
Highly organized and able to manage multiple priorities under tight deadlines
Self-starter with strong attention to detail, ownership, and execution discipline

Nice To Haves

Experience supporting ALCO, Board reporting, Treasury Finance, capital planning, or bank financial forecasting
Experience supporting integrated bank financial modeling across the income statement, balance sheet, capital, and liquidity, including stress testing and capital adequacy assessments
Familiarity with regulatory capital frameworks and metrics, including CET1, Tier 1 Capital, Total Capital, leverage ratio, risk-weighted assets, and the Community Bank Leverage Ratio (CBLR)
Understanding of asset liability management, interest-rate risk, liquidity management, deposit modeling, and funding strategy
Experience preparing materials for a bank Board, Board committee, ALCO, or other governance forum
Experience with Adaptive Planning, NetSuite, or similar financial planning and accounting systems
Proficiency with business intelligence and reporting tools such as Looker, Tableau, or Mode
Familiarity with SQL or other advanced analytical tools
Prior experience in digital banking, consumer lending, marketplace lending, or a de novo bank environment

Responsibilities

Own and enhance the bank's integrated financial model across the income statement, balance sheet, cash flow, capital, liquidity, and regulatory forecasting
Develop long-range forecasts, scenario analyses, and planning assumptions that support strategic planning and regulatory readiness
Support strategic planning by evaluating new products, funding strategies, and balance sheet initiatives through financial modeling and scenario analysis
Continuously improve model governance, automation, and forecasting accuracy
Monitor financial and operating performance through recurring reporting and variance analysis
Identify key business drivers, emerging risks, and opportunities, providing actionable recommendations to leadership
Build dashboards and reporting that improve transparency into bank financial performance, balance sheet trends, capital, and liquidity
Partner closely with Treasury, Risk, Accounting, Product, Capital Markets, and Corporate FP&A
Support strategic initiatives, regulatory requests, and cross-functional planning that enable the continued growth of Upstart Bank
Support capital planning, balance sheet forecasting, and financial stress-testing exercises
Partner with Treasury and Risk to evaluate the financial impact of business growth, funding strategies, balance sheet decisions, and changing economic conditions

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!)