Finance Manager, Bank Finance

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 (opening Summer 2026), 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.

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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,