Upstart
Senior Manager, Whole Loan Trading & First-Line Model Governance
$172K–$238K
United States +2 · Remote · Manager · Full-time · Posted Sep 15, 2026
- Location
- United States
Remote
Remote - Experience
- 8+ years; the posting lists several relevant experience areas and does not state alternatives.
About the job
Owns secured-lending portfolio salability, asset-quality monitoring, and first-line model governance, leading analysts and coordinating with internal teams and bank partners to manage risk and regulatory readiness.
What you'll do
- Set review methodology, cadence, reporting standards, and escalation routines for loan salability and asset quality across home equity and auto channels.
- Monitor portfolio eligibility, asset quality, channel trends, and model performance; identify risks and drive remediation or escalation.
- Lead analysts and partner cross-functionally to maintain model governance, reporting, and exam-ready controls.
What they ask for
- 8+ years in business-line credit risk, loan quality, secured lending operations, or first-line model governance for secured or asset-backed consumer lending.
- Experience with loan-level quality review or salability oversight, investor delivery, repurchase risk, bank partner audits, collateral documentation, or pre-sale quality control in regulated lending.
- Experience monitoring portfolio performance and asset-quality indicators across multiple origination channels.
- Experience with first-line model oversight and partnering with Capital Markets, investors, bank partners, or funding teams; experience leading analysts or governance programs.
Nice to have
- Familiarity with auto indirect or dealer-channel lending, pricing discretion, and fair lending considerations.
- Knowledge of secured-lending secondary-market expectations, consumer lending or fair lending requirements, governance documentation, or relevant risk/compliance certifications.
Pay
$172,100 — $238,300 USD (base salary)
Model-written summary · the original posting is authoritative