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 3,000 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, 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’s Responsible AI Lending team supports fair and responsible lending practices through compliance oversight, analysis, and controls. The team partners across Product Compliance, Fair Lending, and Model Risk to identify and manage regulatory risk while supporting Upstart Bank’s continued growth.

As the HMDA / Fair Lending Manager, you will own key elements of Upstart Bank’s Home Mortgage Disclosure Act compliance program, with a focus on data integrity, reporting, and second-line oversight. You will establish and manage the HMDA quality program while expanding your impact over time through geographic analysis, Fair Lending support, and thoughtful use of automation to make compliance reviews more effective and scalable.

How you’ll make an impact

Own the HMDA data-quality lifecycle, including periodic Loan/Application Register reviews, quarterly and annual filing preparation, and oversight of reporting accuracy and timeliness.
Identify data-quality issues and root causes, partner with business teams on corrective actions, and monitor remediation through resolution.
Build and maintain a risk-based HMDA sampling and quality-assurance program that provides an effective second-line challenge of business-owned reporting data.
Perform and support geographic analysis of lending patterns to identify potential redlining and other Fair Lending risks and contribute to broader Fair Lending monitoring.
Partner with Product Compliance, Fair Lending, Model Risk, and business teams to clarify responsibilities, improve controls, and promote consistent data-quality practices.
Use automation and Generative AI responsibly to improve sampling, anomaly detection, trend analysis, and documentation while maintaining appropriate human review for regulatory interpretation and reporting decisions.

Minimum Qualifications

4+ years of hands-on experience reviewing HMDA Loan/Application Register data and applying HMDA data integrity, geocoding, and reporting requirements.
Experience preparing, reviewing, or supporting quarterly and annual HMDA submissions in a regulated lending or financial-services environment.
Experience performing root-cause analysis of compliance or regulatory data issues and coordinating remediation with business or operational teams.
Working knowledge of applicable Fair Lending requirements, including the Equal Credit Opportunity Act/Regulation B and Fair Housing Act.
Experience performing compliance testing, quality assurance, monitoring, or other second-line oversight activities involving regulated lending data.

Preferred Qualifications

Knowledge of geographic or redlining analysis used to support Fair Lending monitoring.
Experience building or improving risk-based sampling methodologies, quality-control programs, or compliance monitoring frameworks.
Ability to work across compliance, product, model risk, and business teams to resolve data-quality and regulatory issues.
Experience using scripting, analytics, automation, or Generative AI tools to improve regulatory data review and identify anomalous patterns.
Ability to translate regulatory requirements and analytical findings into clear documentation and actionable recommendations.

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-MidSenior

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

$145,100—$201,100 USD

What you'll love

At Upstart, our benefits for full-time employees 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

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 [email protected]

https://www.upstart.com/candidate_privacy_policy

United States | Remote - Anticipated Base Salary Range 145100 - 201100 USD

About the company

Upstart runs an online lending marketplace where banks and credit unions use its AI models to decide which consumers get loans and at what rates. In 2017, it received the first no-action letter issued by the Consumer Financial Protection Bureau, a statement that the regulator had no plans to act against its AI lending model. Borrowers apply through Upstart or a partner lender's website for personal loans, auto loans, home equity lines of credit, and Cash Line, a revolving line of credit. Lenders pay Upstart fees for referring and approving borrowers and for collecting payments, while partner lenders and investment funds put up most of the money lent. Upstart was founded in 2012 and is based in Burlingame, California.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

Burlingame, California

Founded

2012

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Simplify's Take

What believers are saying

Lending is surging: loans through Upstart jumped 50% from a year earlier to $4.2 billion in the June 2026 quarter.
Upstart is becoming a bank: in July 2026, a federal regulator conditionally approved Upstart Bank to take over its lending.
Work from almost anywhere in the U.S.: 79 of Upstart's 85 open roles in October 2026 were listed as remote.

What critics are saying

AI lending rival Pagaya is more profitable: it earned $45 million in the June 2026 quarter to Upstart's $16.5 million.
Job security leans on three lenders: they made 83% of Upstart's 2025 loans and paid 61% of its revenue.
Stock grants have shrunk: Upstart shares fell 45% from January to October 2026, more than peers SoFi and Pagaya.

What makes Upstart unique

Its loan model reads far beyond credit scores: over 3,000 variables, trained on 117 million monthly payments.
Software, not staff, handles most loans: as of June 2026, 91% needed no human involvement by Upstart.
Unsecured lending pays the bills: loans without collateral made 94% of fee revenue from April to June 2026.

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Benefits

Health Insurance
401(k) Company Match
Employee Stock Purchase Plan
Life Insurance
Paid Vacation
Parental Leave
Flexible Work Hours
Wellness Program

Growth & Insights and Company News

Headcount

6 month growth

1 year growth

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Kalkine Media

Oct 20th, 2026

Upstart secures $200M MUFG credit line to capitalise planned Upstart Bank

Upstart Network, a wholly owned subsidiary of Upstart Holdings, has secured a senior secured revolving credit facility of up to $200 million from MUFG Bank. The agreement was signed on October 16, 2026, and disclosed in a Form 8-K filing on October 20. The money will fund general corporate needs and the initial capitalisation of Upstart Bank, N.A. The bank's launch depends on regulatory approval. Borrowings accrue interest at Term SOFR plus 3.00%. The facility matures at the earliest of 364 days after closing, 45 days after the bank's initial capitalisation, or full repayment. Loans must be repaid with proceeds from affiliate loan sales to Upstart Bank, which are expected shortly after it opens.

Yahoo Finance

Oct 15th, 2026

Cohu and Upstart: two AI growth stocks to buy if the market falls from record highs

The S&P 500 hit a record high last week, but rising inflation, interest rate hikes, and AI stock volatility could trigger a correction. The index trades at a Shiller CAPE ratio of 41.8, its second-highest ever behind the dot-com peak in 2000. Two AI-linked stocks could be buys if the market falls. Cohu, which supplies chip testing equipment to Taiwan Semiconductor Manufacturing, Intel, and Samsung, is expected to grow revenue 35% to $612 million in 2026. Its stock is up 180% this year, with a forward price-to-earnings ratio of 34.5. Upstart Holdings uses AI to assess borrowers. In the second quarter, it approved loans worth $4.2 billion, up 50%, and revenue rose 42% to $364.7 million. Its price-to-sales ratio is 2, against a three-year average of 5.4.

American Banker

Sep 30th, 2026

Upstart Network raises $400 million from consumer loans

Upstart's grade E loans account for 47.1% of the collateral pool, compared with 43.3% in the UPST 2026-3, while the concentration of 60-month loans is also lower.

Yahoo Finance

Sep 30th, 2026

Upstart makes buy list while Adobe and Bandwidth fall short on growth metrics

Software companies have delivered strong returns, with the industry gaining 45.5% over six months, outperforming the S&P 500 by 24.4 percentage points. However, investors should be selective as AI threatens to commoditise many software products. Adobe faces challenges with average billings growth of just 11.9% over the past year and estimated sales growth of 9.4% for the next 12 months, suggesting slowing demand. Its operating margin failed to improve year-over-year. Bandwidth showed weak annual revenue growth of 11.9% over two years and a low gross margin of 37.2% compared to competitors. Its operating margin remained flat. Upstart, an AI-powered lending platform, appears more promising. The company uses over 2,500 data variables and machine learning to help banks assess borrower risk for various loan types.

Yahoo Finance

Sep 16th, 2026

Upstart poised for growth while Inter Parfums and Payoneer face headwinds

Upstart, an AI-powered lending platform using machine learning to assess borrower risk, stands out as a promising Russell 2000 investment opportunity. The company has seen loan originations surge by 54.3% over the past year, with revenue expected to grow 30.9% next year as it expands into new markets including credit cards. Free cash flow is projected to turn positive next year. Meanwhile, Inter Parfums and Payoneer face challenges. Inter Parfums, which manufactures fragrances under licenses including Kate Spade and Van Cleef & Arpels, shows weakening efficiency with operating margins declining 1.7 percentage points. Its estimated 2% sales growth signals slowing demand. Payoneer, a cross-border payment platform for SMEs, has struggled with profitability despite revenue growth, with earnings per share falling 5.2% annually over two years. Its 7.9% return on equity reflects difficulties finding profitable growth opportunities.

Upstart

HMDA/Fair Lending Manager

About the job

About the company

Get referred to Upstart

Simplify's Take

What believers are saying

What critics are saying

What makes Upstart unique

Benefits

Growth & Insights and Company News

6 month growth

1 year growth

2 year growth