This role pays more than
54%
of similar roles. Most pay
$172,363–$222,000
— the shaded band above.
At the midpoint, this role pays about
$205k
versus about
$197k
for comparable roles.
Based on 239 similar postings.
Employer
About Upstart
Upstart is an AI lending platform that partners with banks and credit unions to expand access to affordable credit using non-traditional variables.
Upstart currently has
73 open roles
on FindRole.
Listed pay typically runs
$166,900–$230,450
across 72 roles with salary data.
Senior Manager, Loan Salability & First-Line Model Governance joins the Secured Lending organization to build first-line risk and control infrastructure for home equity line of credit, auto direct, and auto indirect dealer products. You will lead a team of analysts to manage the end-to-end loan salability and asset quality function. Key responsibilities include monitoring portfolio-wide trends, tracking performance against investor thresholds, identifying systemic risks, and overseeing first-line model implementation and performance. You will collaborate with cross-functional teams like Capital Markets, Engineering, and Compliance to ensure products remain within risk appetite and are exam-ready. The role requires expertise in loan quality review, collateral documentation, repurchase risk mitigation, and production model monitoring. Essential skills include managing reporting routines, identifying root causes for portfolio issues, and ensuring compliance with fair lending requirements and secondary-market quality standards.
Manage communication with capital markets and bank partners to mitigate repurchase and put-back risks.
What we're looking for
8+ years of experience in business-line credit risk, loan quality, asset-backed or secured lending operations, or first-line model governance for consumer lending products.
Experience with loan-level quality review, loan salability oversight, Capital Markets delivery, and repurchase or put-back risk in a regulated environment.
Experience monitoring portfolio performance and asset quality indicators across multiple channels, including delinquency, loss severity, and credit policy exceptions.
Experience with first-line model oversight, production model monitoring, implementation governance, and model inventory documentation.
Experience partnering with Capital Markets, investors, or bank partners to resolve delivery exceptions and mitigate repurchase risk.
Experience leading analysts or managing a review function for loan salability, asset quality, or first-line model governance programs.
Familiarity with auto indirect/dealer channel dynamics, secondary-market quality expectations, and consumer fair lending requirements (preferred).
Ability to produce exam-ready policy documents and hold risk or compliance certifications like CRCM or FRM (preferred).
Loss Forecasting
Stress Testing
Credit Underwriting
Financial Statement Analysis
Limit-setting
Crypto
digital asset s
Trading
Reporting Systems
Counterparty Risk
Remote (San Francisco, CA)+110 days ago
$145,300–$210,700
GAAP
Microsoft Excel
Yardi
MRI
Power BI
Tableau
Financial Modeling
ASC 842
Data Analysis
Variance Analysis
Budgeting
Forecasting
Accounting Software
Business Intelligence