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, establishing review methodologies, reporting standards, and escalation routines. Responsibilities include monitoring portfolio-wide trends, tracking eligibility adherence, evaluating collateral documentation, and overseeing first-line model implementation and performance. You will collaborate with Capital Markets, Product, Engineering, and Legal teams to ensure the portfolio remains within risk appetite and is ready for regulatory review. Key competencies include expertise in asset-backed lending, repurchase risk mitigation, and first-line model governance. The role addresses critical challenges in maintaining loan quality across multiple channels while ensuring compliance with fair lending requirements and investor standards.
Translate portfolio trends into actionable remediation plans to ensure regulatory readiness and partner commitment.
What we're looking for
Must have 8+ years of experience in business-line credit risk, loan quality, asset-backed or secured lending operations, or first-line model governance.
Experience with loan-level quality review, loan salability oversight, Capital Markets delivery, and repurchase or put-back risk is required.
Experience monitoring portfolio performance and asset quality indicators across multiple origination channels is required.
Experience with first-line model oversight, production model monitoring, and model implementation governance is required.
Experience partnering with Capital Markets, investors, bank partners, or funding teams to evaluate loan eligibility and mitigate risk is required.
Experience leading analysts or managing a review function for asset quality or first-line model governance programs is required.
Knowledge of secondary-market quality expectations, collateral documentation, lien perfection, and repurchase risks is preferred.
A risk or compliance certification, such as Certified Regulatory Compliance Manager or Financial Risk Manager, is 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