Job Overview
Location
United States | Remote
Job Type
Full-time
Category
Finance
Date Posted
April 21, 2026
Full Job Description
đź“‹ Description
- • The Director of Treasury Risk will establish and lead the independent second-line treasury risk oversight program for Upstart’s application to establish a national bank, ensuring alignment with OCC and FDIC regulatory expectations.
- • Day-to-day responsibilities include developing treasury risk frameworks, policies, metrics, and monitoring processes for liquidity, interest rate, price, and capital management risks; providing independent oversight and challenge to the first-line Bank Treasury team’s activities such as cash flow management, asset-liability management, balance sheet positioning, stress testing, and investment portfolio management.
- • The role involves delivering credible challenge to assumptions, methodologies, and risk limits; preparing and presenting reports to the Asset-Liability Committee (ALCO), board, and board risk oversight committee; and serving as the escalation point for treasury risk issues to the Chief Risk Officer.
- • The Director will hire and develop a treasury risk oversight team, define team objectives and roles, and act as the primary point of contact for OCC examiners, external auditors, and other senior external stakeholders on treasury risk matters.
- • Upstart is a mission-driven AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans, operating with a digital-first model that supports flexible work arrangements while fostering in-person connection through quarterly onsites in offices across the U.S., including upcoming locations in New York City.
- • The Risk team provides independent oversight across operational, treasury, and capital risk categories, partnering with business functions, leadership, and the board to ensure effective risk identification, measurement, monitoring, and response in alignment with regulatory expectations.
- • This role offers the opportunity to build a critical risk function from the ground up in a fast-growing, innovative fintech environment, with direct impact on the safety and soundness of a future national bank.
- • The individual will gain deep exposure to regulatory engagement, advanced risk modeling, and enterprise risk governance while contributing to a culture of innovation, integrity, and financial inclusion.
🎯 Requirements
- • Bachelor’s degree or equivalent practical experience in finance, economics, mathematics, or a related quantitative field
- • 10+ years of experience in treasury risk management, asset-liability management, or a related financial risk function in a banking environment
- • Demonstrated experience with independent oversight or challenge of interest rate risk, liquidity risk, or asset-liability management, including stress testing and regulatory reporting
- • Deep knowledge of OCC and interagency requirements and guidance on interest rate risk, liquidity risk, price risk, and capital management
- • Direct experience working with OCC, Federal Reserve, FDIC, or other banking regulators on treasury risk or asset-liability management matters
🏖️ Benefits
- • Competitive compensation including base pay, bonus opportunities, and annual equity grants that vest quarterly
- • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- • Affordable medical, dental, and vision coverage, with Upstart covering 90% to 100% of costs depending on the plan selected
- • Paid family and parental leave to support caregiving and major life moments
- • Annual wellness and productivity allowances to support personal development and work effectiveness
- • Connection and community through team events, onsites, all-company updates, and employee resource groups (ERGs)
- • Onsite perks including catered lunches and fully stocked micro-kitchens when working from Upstart offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026)
Skills & Technologies
Apache Spark
Remote
Degree Required
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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