About Upstart
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
As the Director, Home Lending Operations you will lead operations for Upstart’s home equity product. You will work within the Risk and Operations organization, partner closely with Compliance, Legal, Product and Engineering to build a highly efficient operation focused on customer experience. You will lead a highly engaged team of licensed professionals, and oversee vendors that support our borrower experience.
You will be responsible for leading, setting strategy and oversight of Upstart’s home lending operations. You will partner with cross-functional leadership to optimize our strategy and operations to support applicants and borrowers.
In this position you will be responsible to manage a team of leaders and vendors focused on delivering strong performance. You will be highly influential and curious in your support of the development of our home lending product roadmap. Your deep industry expertise in home lending will bring an innovative perspective to using technology, improving efficiency and effectiveness, while operating in compliance with all regulatory requirements.
Position Location - This role is available in the following locations: Remote, preferably Central Ohio
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; the Home Lending team meets quarterly for 4-5 consecutive days at a time.
How you’ll make an impact:
- Lead a team of managers, vendors and associates to originate home lending for our applicants. Developing future leaders and serving our customers with the utmost care.
- Act as a key leader on the cross-functional home lending leadership, bring expertise and analytical influence to fulfill Upstarts mission.
- Lead and drive change within the home lending organization to build infrastructure, policy, strategy, and technology improvements.
- Serve as the voice of the customer and voice of the operational agent.
- Design and lead a highly effective and efficient origination experience.
- Manage performance and execution across both internal and external teams including vendor selection and oversight.
- Develop and monitor business, personnel, and operational metrics.
- Regularly report out on performance, trends and progress. This role is responsible for communicating the overall health of the home lending operations organization.
- Engage with investors and banking partners to represent Upstarts home lending operation.
What we’re looking for:
- Minimum qualifications:
- 8 years mortgage operations experience
- 6 years mortgage Product or Operational leadership
- Preferred qualifications:
- NMLS licensed
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#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
$200,000—$250,000 USD
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
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Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
