Funding Delivery Manager, Upstart

• 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

Desirable

• 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
• 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