
Job Overview
Location
United States | Remote
Job Type
Full-time
Category
Software Engineering
Date Posted
April 21, 2026
Full Job Description
đź“‹ Description
- • The Director of Enterprise Risk Management will lead and grow the Risk team’s ERM function for Upstart Bank, establishing and maintaining the bank’s enterprise risk management framework to support its application to become a nationally chartered bank.
- • Day to day, the role involves defining and maintaining the ERM framework including risk appetite statements and methodologies, leading enterprise risk assessments, managing risk and control inventories, measuring risk via key risk indicators, directing ERM and operational risk program activities, overseeing board and risk committee reporting, serving as a primary point of contact for external stakeholders such as OCC examiners, and managing and hiring for the ERM and Operational Risk teams.
- • The Risk team at Upstart serves as the second line of defense, providing independent oversight and credible challenge across operational risk, treasury risk (including liquidity, interest rate, price risk, and capital management), and ensuring alignment with regulatory expectations through close partnership with first-line functions, senior leadership, and the board.
- • In this role, the individual will build out risk infrastructure to meet the rigorous standards of a national bank, gain deep experience in bank charter processes, develop leadership in cross-functional risk governance, and establish themselves as a trusted advisor to executives, regulators, and external partners while shaping a mature, scalable ERM function.
Skills & Technologies
About Upstart Holdings, Inc.
Upstart Holdings, Inc. operates a cloud-based lending platform that uses artificial intelligence to assess borrower credit risk beyond traditional FICO scores. Founded by ex-Googlers in 2012 and headquartered in San Mateo, California, the company partners with banks and credit unions to originate personal, auto refinance, and small-dollar loans. Its machine-learning models analyze education, employment, and cash-flow data to predict default likelihood, enabling higher approval rates and lower APRs for consumers while reducing fraud and loss rates for lenders. Upstart earns fees from loan facilitation, servicing, and referral services; it does not hold loans on its balance sheet.
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