Finance Manager - Corporate FP&A

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: The FPA team at Upstart plays an integral part in the company’s business and financial planning process. We are looking for a highly motivated and hard-working individual to join our team with a key role in managing balance sheet, cash and liquidity. As a Finance Manager at Upstart, you will drive and support all aspects of FPA which includes in-depth financial and business planning, collaborating with business leaders across the company, and driving analyses for business and strategic cases. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks. If you are naturally curious, love data, versed in financial modeling and analysis, and an excellent communicator who enjoys collaborating with people with a diverse set of talents, this could be a great opportunity for you. How you’ll make an impact Lead financial forecasting, planning, and reporting for the balance sheet, net interest income, and risk capital. Own forecasting accuracy for balance sheet composition, fair value adjustments, and net interest margin. Build and maintain financial models and BI dashboards for scenario planning, variance analysis, and executive reporting. Partner with Analytics, Accounting, Treasury, and Capital Markets to ensure accurate modeling and compliance with GAAP and regulatory standards. Drive process improvements and automation within FPA to improve accuracy, efficiency, and scalability. Support month-end and quarter-end close, earnings prep, board materials, and business reviews with actionable insights Minimum Qualifications BS/MS in Finance, Economics, Computer Science, Statistics, or related field (or equivalent experience). 7+ years of relevant experience in FPA, Accounting, Investment Banking, or Corporate Finance. Strong expertise in balance sheet, liquidity, and cash management. Familiarity with consumer credit capital markets, private credit, structured finance/products/transactions. Advanced proficiency in Excel/Google Sheets; adept at handling large datasets. Strategic thinker with strong analytical and problem-solving skills. Exceptional communication and presentation skills, with ability to influence senior leadership. Highly organized, able to manage multiple priorities under tight deadlines. Adaptable, independent, and effective in fast-paced environments. Preferred Qualificati ... (truncated, view full listing at source)