Finance Manager, Bank Finance at Upstart

Job description

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 Corporate FP&A team is seeking an experienced, execution-focused Finance Manager to support strategic finance for Upstart Bank. This role will own the bank's integrated financial model, lead financial forecasting and scenario analysis, support Bank Board and Asset Liability Committee (ALCO) reporting, and monitor the bank's financial performance, balance sheet, liquidity, and regulatory capital position. As a Finance Manager, Bank Finance, you will serve as a key finance partner responsible for Upstart Bank's financial planning and forecasting processes. You'll work closely with Treasury, Risk, Accounting, Capital Markets, Product, and other cross-functional partners to develop reliable financial forecasts and translate complex banking and regulatory concepts into clear, actionable insights. This role offers significant exposure to executive leadership and the opportunity to help build the financial planning infrastructure for a growing digital bank. How you’ll make an impact Financial Planning & Modeling Own and enhance the bank's integrated financial model across the income statement, balance sheet, cash flow, capital, liquidity, and regulatory forecasting Develop long-range forecasts, scenario analyses, and planning assumptions that support strategic planning and regulatory readiness Support strategic planning by evaluating new products, funding strategies, and balance sheet initiatives through financial modeling and scenario analysis Continuously improve model governance, automation, and forecasting accuracy Board, ALCO & Executive Reporting Own and enhance the bank's integrated financial model across the income statement, balance sheet, cash flow, capital, liquidity, and regulatory forecasting Develop long-range forecasts, scenario analyses, and planning assumptions that support strategic planning and regulatory readiness Support strategic planning by evaluating new products, funding strategies, and balance sheet initiatives through financial modeling and scenario analysis Continuously improve model governance, automation, and forecasting accuracy Financial Performance & Analytics Monitor financial and operating performance through recurring reporting and variance analysisIdentify key business drivers, emerging risks, and opportunities, providing actionable recommendations to leadershipBuild dashboards and reporting that improve transparency into bank financial performance, balance sheet trends, capital, and liquidity Cross-Functional Partnership Partner closely with Treasury, Risk, Accounting, Product, Capital Markets, and Corporate FP&ASupport strategic initiatives, regulatory requests, and cross-functional planning that enable the continued growth of Upstart Bank Support capital planning, balance sheet forecasting, and financial stress-testing exercises Partner with Treasury and Risk to evaluate the financial impact of business growth, funding strategies, balance sheet decisions, and changing economic conditions Minimum Qualifications Bachelor’s degree in Finance, Economics, Accounting, Business, or a related field, or equivalent professional experience 7+ years of relevant experience in Financial Services, Corporate Finance, Treasury Finance, Capital Planning, Asset Liability Management, Strategic Finance, or FP&A Experience working within a bank, fintech, consumer lender, or other regulated financial institution Strong understanding of bank financial statements, balance sheet management, capital planning, and financial forecasting Advanced proficiency in Excel or Google Sheets, including experience building and maintaining complex financial models Strong analytical and problem-solving skills, with the ability to identify key financial drivers and risks Clear written and verbal communication skills, including the ability to present complex financial information to senior audiences Highly organized and able to manage multiple priorities under tight deadlines Self-starter with strong attention to detail, ownership, and execution discipline Preferred Qualifications Experience supporting ALCO, Board reporting, Treasury Finance, capital planning, or bank financial forecasting Experience supporting integrated bank financial modeling across the income statement, balance sheet, capital, and liquidity, including stress testing and capital adequacy assessments Familiarity with regulatory capital frameworks and metrics, including CET1, Tier 1 Capital, Total Capital, leverage ratio, risk-weighted assets, and the Community Bank Leverage Ratio (CBLR) Understanding of asset liability management, interest-rate risk, liquidity management, deposit modeling, and funding strategy Experience preparing materials for a bank Board, Board committee, ALCO, or other governance forum Experience with Adaptive Planning, NetSuite, or similar financial planning and accounting systems Proficiency with business intelligence and reporting tools such as Looker, Tableau, or Mode Familiarity with SQL or other advanced analytical tools Prior experience in digital banking, consumer lending, marketplace lending, or a de novo bank environment Position location This role is available in the following locations: Remote 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 $133,400 — $184,600 USD What you'll love At Upstart, our benefits 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 candidate_accommodations@upstart.com upstart.com

Requirements

Must-haves

Bachelor’s degree in Finance, Economics, Accounting, Business, or a related field, or equivalent professional experience
7+ years of relevant experience in Financial Services, Corporate Finance, Treasury Finance, Capital Planning, Asset Liability Management, Strategic Finance, or FP&A
Experience working within a bank, fintech, consumer lender, or other regulated financial institution
Strong understanding of bank financial statements, balance sheet management, capital planning, and financial forecasting
Advanced proficiency in Excel or Google Sheets, including experience building and maintaining complex financial models
Strong analytical and problem-solving skills, with the ability to identify key financial drivers and risks
Clear written and verbal communication skills, including the ability to present complex financial information to senior audiences
Highly organized and able to manage multiple priorities under tight deadlines
Self-starter with strong attention to detail, ownership, and execution discipline
#LI-MidSenior
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Health Savings Account contributions from Upstart for eligible plans (US only)

Nice-to-haves

Experience supporting ALCO, Board reporting, Treasury Finance, capital planning, or bank financial forecasting
Experience supporting integrated bank financial modeling across the income statement, balance sheet, capital, and liquidity, including stress testing and capital adequacy assessments
Familiarity with regulatory capital frameworks and metrics, including CET1, Tier 1 Capital, Total Capital, leverage ratio, risk-weighted assets, and the Community Bank Leverage Ratio (CBLR)
Understanding of asset liability management, interest-rate risk, liquidity management, deposit modeling, and funding strategy
Experience preparing materials for a bank Board, Board committee, ALCO, or other governance forum
Experience with Adaptive Planning, NetSuite, or similar financial planning and accounting systems
Proficiency with business intelligence and reporting tools such as Looker, Tableau, or Mode
Familiarity with SQL or other advanced analytical tools
Prior experience in digital banking, consumer lending, marketplace lending, or a de novo bank environment
Position location This role is available in the following locations: Remote
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly

Application prep

Use the role’s language and application details while tailoring your materials.

Keywords to mirror

aisql

Platform: greenhouse
Effort: quick

Benefits

Benefits detected in the listing.

Dental

Vision

401k

401(K)

Paid Time Off

Parental Leave

Wellness