Funding Delivery Manager

Upstart

3d•$104,800 - $145,000•Remote

About The Position

Upstart's Auto team is transforming automotive lending by building technology that creates a seamless experience for borrowers, dealers, lending partners, and investors. The team is responsible for enabling scalable loan originations while maintaining operational excellence, compliance, and investor confidence across the lifecycle of every funded loan. As the Funding Delivery Manager, Auto Loans, you will establish the operational foundation for funding delivery within Upstart's growing auto lending business. You will own the end-to-end funding delivery process, build scalable controls and reporting, and ensure funded loans consistently meet lending partner, investor, and regulatory requirements. Your work will directly improve funding performance while helping prepare the business for long-term growth under Upstart's bank charter.

Requirements

Bachelor's degree in Business, Finance, Operations, Economics, or a related field (or equivalent practical experience).
5+ years of experience in lending operations, loan funding, capital markets operations, or financial services operations.
Experience managing loan funding, delivery, investor reporting, or post-origination operational processes.
Experience using operational metrics and data to investigate process issues and implement improvements.
Experience partnering cross-functionally across capital markets, engineering, servicing, product and compliance teams.
Experience leveraging AI-enabled tools responsibly to accelerate exception analysis, documentation, reporting, and/or operational process improvements while applying appropriate human judgment.

Nice To Haves

Knowledge of auto lending products, funding workflows, and loan sale processes.
Experience designing operational controls within a regulated financial institution.
Ability to build scalable operational processes and documentation that support audit and regulatory requirements.
Experience defining success metrics and operational controls for a new or evolving process.
Skills in SQL, Excel, business intelligence tools, or dashboard development.
Experience working with lending partners, investors, custodians, or third-party servicing organizations.

Responsibilities

Own the end-to-end funding delivery process for Upstart's auto lending products, ensuring funded loans are delivered accurately and on time to lending partners and investors.
Build and scale funding delivery processes, controls, and operational reporting that improve funding success rates, reduce exceptions, and support regulatory readiness as the business grows.
Investigate funding exceptions, delivery failures, and reconciliation issues by conducting root cause analysis and partnering across teams to implement sustainable solutions.
Establish and maintain quality standards for loan files, ensuring documentation and data consistently meet lending partner, investor, and regulatory requirements for saleability and downstream servicing.
Partner closely with Product, Operations, Capital Markets, Servicing, Compliance, Engineering, and external stakeholders to design scalable funding workflows and drive continuous process improvements.
Develop metrics, dashboards, and performance reporting to provide visibility into funding health, identify operational risks, and inform business decisions while leveraging AI-enabled tools responsibly to improve documentation, reporting, and exception analysis.

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!)