Director OF Credit

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team 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. How you’ll make an impact Drive Marketplace Growth 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. Build a High Performing Commercial Organization 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 externally 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. Minimum qualifications 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. Preferred qualifications 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. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Director At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $178,800 - $247,400 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: 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!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email View email address on click.appcast.io