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 team to build first-line risk and control infrastructure for home equity line of credit, auto direct, and auto indirect dealer products. This role manages a team of analysts to oversee asset quality, loan salability, and first-line model performance. Key responsibilities include monitoring portfolio-wide trends, tracking eligibility adherence, evaluating collateral documentation, and managing production model oversight including version control and threshold tracking. The successful candidate will navigate complex regulatory environments by ensuring products remain exam-ready and within risk appetite. Required expertise includes business-line credit risk, asset-backed lending operations, capital markets delivery, and first-line model governance. Core competencies involve identifying root causes for performance degradation, managing repurchase risks, and coordinating with cross-functional partners in engineering, legal, and compliance to ensure seamless loan sale execution across various origination channels.
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 indicators such as early payment defaults, delinquency, loss severity, and non-performing loan trends is required.
Must have experience in first-line model oversight, including production monitoring, implementation governance, and inventory documentation.
Required 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 asset quality or first-line model governance programs is required.
Preferred knowledge of auto indirect/dealer lending dynamics and fair lending requirements like ECOA, Regulation B, and TILA.
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