Senior Manager, Asset Quality & Model Oversight

Upstart’s Secured Lending organization is building the first-line risk and control infrastructure that will support the next stage of growth across home equity line of credit, auto direct, and auto indirect dealer products. The team helps ensure secured lending products operate with clear governance, durable controls, high-quality execution, and readiness for bank partner and regulatory review.

Asset Quality & Model Oversight is responsible for monitoring portfolio-wide trends across loan salability, asset quality, and model performance. This function looks across the portfolio over time — tracking performance against investor and bank partner thresholds, interpreting model execution patterns, identifying systemic risk, and escalating findings before they become repurchase events, partner concerns, or examination issues.

As the Senior Manager, Asset Quality & Model Oversight at Upstart, you will own this function end-to-end, reporting directly to the Head of Secured Lending. You will lead a small team of analysts and partner closely with Credit Risk, Capital Markets, Model Risk Management, Product, Engineering, Compliance, Legal, Operations, and bank partners to establish the methodology, monitoring cadence, governance materials, and reporting routines that keep Upstart’s secured lending portfolio within risk appetite and exam-ready.

How you’ll make an impact

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