About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team
Upstart’s Home Lending Operations team is dedicated to delivering fast, high-quality service through efficient and scalable processes. We aim to create a seamless customer experience while driving operational excellence across all touchpoints. Our team supports critical moments in the loan lifecycle and plays a key role in continuous improvement, compliance, and customer satisfaction.
As the Loan Sales Delivery Manager at Upstart, you will lead our loan sales operations across core areas: sales preparation, execution, quality, and post-sale activities including any remediations and cures. You will develop and own end-to-end processes that ensure our loans are ready for market, meet investor and regulatory requirements, and are seamlessly transferred post-sale. You’ll drive team productivity, build scalable infrastructure, and act as a thought partner to cross-functional teams including Capital Markets, Legal, Servicing, and Compliance.
You’ll be both a hands-on leader and a strategic operator—analyzing pipeline health, managing critical stakeholder relationships, and developing frameworks that scale with business growth.
Position Location - This role is available in the following locations: Remote
Time Zone Requirements - This team operates on the East/West Coast time zones.
In-Office requirements. You will be required to travel once a quarter for business onsites.
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.
How you’ll make an impact:
- Own and continuously improve the full loan sales operational lifecycle: prep, execution, post-sale follow-up, and exception handling.
- Identify and resolve complex quality or compliance issues, using root cause analysis and structured problem solving.
- Establish and maintain robust controls and metrics for team performance, execution accuracy, and investor readiness.
- Design processes and tools that support cross-functional visibility into the sales pipeline and execution timelines.
- Manage a team responsible for operational loan sale tasks, offering coaching, feedback, and performance development.
- Collaborate closely with internal teams such as Capital Markets, Engineering, Servicing, Compliance, and Legal to deliver loan sales that meet investor requirements.
- Proactively identify risks or operational bottlenecks and implement process enhancements before issues arise.
- Represent Operations in key cross-functional forums and drive alignment around complex or high-risk initiatives.
- Plan multiple quarters ahead to ensure scalable growth and mitigate downstream impacts of upstream changes.
- Build a culture of ownership, accountability, and continuous improvement.
What we’re looking for:
- Minimum qualifications:
- 3+ years of experience in mortgage operations, post-close, loan delivery, or secondary market operations.
- Working knowledge of mortgage documents (e.g., Note, Final CD, Title, Loan Application) and investor eligibility requirements.
- High attention to detail and consistency; able to spot discrepancies and follow up to resolution.
- Self-starter with strong organization skills and the ability to manage time-sensitive workflows with limited oversight.
- Experience with LOS platforms and investor portals (e.g., Fannie Mae, Freddie Mac, Redwood, or similar).
- Preferred qualifications:
- Familiarity with agency and non-agency loan sale requirements (FNMA, FHLMC, aggregators).
- Prior experience with loan sale tracking, reporting tools, or audit responses.
- Understanding of capital markets timelines and the downstream impact of post-close operations.
- NMLS license is a plus.
- Previous background in underwriting or post-close audit is helpful.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-Associate
This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.
At Upstart, your base pay is one part of your total compensation package. The anticipated annualized 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).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
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