Upstart

• Lead the enterprise business continuity and disaster recovery program strategy, execution, governance, and ongoing maturity efforts. • Own and mature the business impact analysis process, including critical business process identification, dependency mapping, ownership assignment, risk-rating methodology, and recovery strategy development. • Develop and maintain business continuity plans, disaster recovery plans, crisis management processes, and supporting documentation for critical business and technology functions. • Drive cross-functional execution across Technology, Security, Office Operations, Vendor Management, Enterprise Risk Management, Compliance, and business process owners to ensure continuity and recovery plans are actionable, tested, and maintained. • Coordinate disaster recovery exercises, tabletop tests, remediation tracking, and evidence collection to improve organizational preparedness and support audit or regulatory expectations. • Maintain and improve program repositories, workflows, and reporting, including business impact analysis records, recovery plans, testing evidence, program metrics, and remediation status.

• Design and build scalable backend services and platform capabilities that support origination workflows across multiple products and lending partners • Improve the reliability, observability, and operational resilience of critical origination systems and APIs • Refactor and decouple legacy systems to create reusable, product-agnostic platform infrastructure that scales across partner and product types • Build orchestration and workflow solutions that streamline partner onboarding, reduce manual operational work, and improve system consistency • Collaborate closely with Engineering, Product, Lending Partnerships, Compliance, Legal, and Loan Sales teams to deliver secure and scalable lending experiences • Drive technical design discussions, author design documents, and contribute to engineering best practices for system quality, monitoring, and operational excellence • Use AI-assisted development tools and automation thoughtfully to improve engineering productivity and reduce repetitive workflows • Participate in operational support and incident response, helping identify root causes and implement long-term system improvements

• Build and maintain scalable backend systems and data pipelines that support audience segmentation and marketing attribution workflows • Partner with product managers, marketers, and engineers to deliver data solutions that support customer acquisition and conversion goals • Extend existing data infrastructure to support increasing data volumes, evolving business requirements, and new integrations • Contribute to data quality initiatives by implementing monitoring, validation, and guardrail mechanisms across critical datasets • Participate in technical discussions around architecture, access patterns, and platform scalability to support long-term platform growth

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 1,800 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 Auto Onboarding team is responsible for reviewing and processing applications across Auto Refinance, Auto Retail Indirect, and Auto-secured Personal Loan products. As origination volume continues to grow, the team plays a critical role in ensuring customers receive timely, accurate decisions while maintaining compliance with operational policies and procedures. As a Senior Loan Processor, Auto at Upstart, you will review and verify applications that require manual evaluation beyond instant AI approvals. You’ll assess income and supporting documentation, review auto-specific verification items such as insurance and payoff information, and help customers move efficiently through the lending process. This role also contributes feedback that helps improve workflows, operational processes, and automation capabilities as the business scales. How you’ll make an impact - Review and process auto lending applications with accuracy, efficiency, and adherence to established policies and procedures - Verify customer income, insurance documentation, payoff quotes, and other application materials to support lending decisions - Navigate large operational queues independently and prioritize aging or high-priority applications in a fast-paced environment - Identify discrepancies, workflow gaps, or operational issues and escalate findings to appropriate partners when needed - Collaborate with teammates and cross-functional partners to support operational improvements, policy updates, and new product launches - Contribute feedback and insights that help improve customer experience, internal tooling, and process scalability as Upstart’s auto products continue to grow Minimum Qualifications - 9+ months of experience in onboarding, loan processing, financial operations, banking operations, insurance operations, or auto lending support roles - Experience reviewing customer applications, financial documents, or verification materials while adhering to established policies and procedures - Demonstrated experience meeting productivity and quality performance metrics in a high-volume operational environment - Experience using case management systems, operational dashboards, or internal tooling to identify discrepancies, exceptions, or processing issues - Ability to manage multiple priorities and complete application reviews in a queue-based operational environment Preferred Qualifications - Knowledge of auto lending operations, including auto refinance, indirect auto lending, or secured lending products - Ability to identify process inefficiencies and contribute recommendations that improve operational workflows or customer experience - Skills in analyzing application data and supporting documentation to identify abnormalities, inconsistencies, or process gaps - Experience collaborating with cross-functional teams to support operational changes, escalations, or new product implementations - Effective communication skills when supporting customers, business partners, and internal stakeholders in a fast-paced environment Position location This role is available in the following locations: Columbus, OH (Easton, OH office) Time zone requirements The team operates on the East coast time zone Shift time requirements: You must be able to adhere to a Tuesday - Saturday or Sunday - Thursday work schedule aligning to one of the below shift times. - 9:00am - 5:30pm ET - 11:30am - 8pm ET In-Office requirements: You will be required to work from the Easton, OH office 2 days per week (Wednesdays & Thursdays). 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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-Entry 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. Columbus, OH - Anticipated Hourly Rate Range $25.48—$25.48 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: - Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly - Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) - Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. - Health Savings Account contributions from Upstart for eligible plans (US only) - Income protection benefits, including life insurance and disability coverage for added financial security - Paid time off, sick leave, and company holidays, in line with local requirements - Paid family and parental leave to support caregiving and major life moments (duration varies by country) - Family-centered benefits to support fertility, parenthood, and caregiving needs - Employee Assistance Program (EAP) offering mental health support and life-centered resources - Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) - Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you - Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from - Connection and community through team events, all-company updates, and employee resource groups (ERGs) - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

• Define and lead the Security Engineering roadmap across application security, infrastructure security, offensive security, and product security, aligning priorities with Upstart’s business objectives, engineering strategy, regulatory expectations, and risk posture. • Manage, coach, and develop a team of security engineers, ensuring clear goals, measurable impact, sustainable execution, effective operating rhythms, and growth opportunities for each team member. • Partner with Engineering, Product, Infrastructure, Data, Risk, Compliance, and Audit leaders to identify high-priority security risks, align on pragmatic mitigations, and embed security requirements early in planning, design, development, and operations. • Scale secure-by-design practices across the SDLC, including threat modeling, security architecture reviews, secure coding practices, automated security testing, vulnerability management, API security, CI/CD protections, secrets management, and developer security enablement. • Strengthen infrastructure and cloud security by partnering with Infrastructure and Platform teams on secure architecture, identity and access controls, Kubernetes and container security, cloud-native security controls, and defense-in-depth across application and infrastructure layers. • Build and mature offensive security capabilities, including attack surface management, adversarial testing, security validation, penetration testing coordination, bug bounty intake, and prioritization of findings into durable engineering improvements. • Improve product security outcomes by partnering with Product and Engineering teams to identify abuse cases, security requirements, customer-impacting risks, and scalable controls for high-trust product experiences. • Drive consistent execution across cross-functional initiatives by setting priorities, clarifying ownership, communicating tradeoffs, and ensuring high-impact security work is delivered with quality and urgency. • Establish and improve Security Engineering metrics, operating models, and reporting so leaders can understand risk posture, remediation progress, recurring patterns, program health, and the effectiveness of security investments. • Support response to high-severity security issues by coordinating technical investigation, stakeholder communication, root cause analysis, remediation tracking, and durable improvements that prevent repeat issues. • Foster a culture where security enables innovation by building trusted partnerships, mentoring engineering leaders, and helping teams adopt practical controls that improve safety without unnecessary friction.

• Lead the strategy, roadmap, and execution for security engineering programs across enterprise security, security operations, and detection security engineering. • Manage, coach, and develop a team of security professionals, ensuring the team has clear priorities, measurable goals, effective operating rhythms, and opportunities for career growth. • Build and mature proactive and preventative security controls across corporate systems, cloud environments, identity platforms, endpoints, SaaS applications, and security operations workflows. • Improve Upstart’s ability to detect, investigate, and respond to threats by strengthening detection coverage, alert quality, logging strategy, response playbooks, automation, and operational processes. • Drive cross-functional security initiatives across Engineering, IT, Compliance, Legal, Risk, and business teams, aligning security priorities with company objectives, risk tolerance, and operational needs. • Establish and report on meaningful security engineering and operations metrics, including program health, control effectiveness, detection and response performance, remediation progress, and risk reduction outcomes. • Evaluate and improve security tooling, processes, and controls to reduce systemic risk, increase operational efficiency, and ensure the team is focused on the highest-value security work. • Raise the maturity of Upstart’s security programs by identifying recurring issues, addressing root causes, and developing

• Coordinate and schedule interviews between candidates and hiring teams. • Provide an exceptional experience for all stakeholders including candidates, hiring managers, and interviewers. • Actively identify opportunities for streamlining recruitment processes, contributing ideas, and implementing improvements. • Be an active participant in recruitment strategy meetings to understand the needs of the hiring team. • Maintain accurate and up-to-date candidate records in our applicant tracking system (Greenhouse) and scheduling system (ModernLoop). • Assist with various administrative tasks related to recruitment, such as preparing interview materials, coordinating travel arrangements (if applicable), and managing recruitment-related documentation. • Represent Upstart’s Recruiting function in a positive and professional manner for both internal and external stakeholders

• Build and maintain scalable backend systems and data pipelines that support audience segmentation and marketing attribution workflows • Partner with product managers, marketers, and engineers to deliver data solutions that support customer acquisition and conversion goals • Extend existing data infrastructure to support increasing data volumes, evolving business requirements, and new integrations • Contribute to data quality initiatives by implementing monitoring, validation, and guardrail mechanisms across critical datasets • Participate in technical discussions around architecture, access patterns, and platform scalability to support long-term platform growth

• Lead and develop a team of approximately 10 engineers focused on scaling Upstart’s Cash Line product and platform capabilities • Establish execution frameworks, operating rhythms, and prioritization systems that improve delivery quality and predictability across the team • Partner closely with Product and Design leaders to execute against a complex roadmap spanning monetization, user retention, credit expansion, and platform scalability • Drive cross-functional alignment across engineering, product, design, and leadership stakeholders to deliver high-impact customer experiences • Support the team through the transition from MVP to scaled product by balancing structure with team autonomy and ownership • Guide technical and organizational decision-making across multiple concurrent roadmap initiatives with competing business and engineering trade-offs • Foster an inclusive, collaborative engineering culture focused on growth, accountability, and continuous improvement • Help shape the future growth of the Cash Line organization as the business and engineering scope expands over time

• Work closely with system owners to ingest new log feeds for security monitoring • Enhance and maintain our Detection and Response platforms • Build in workflows with AI analysis to automatically investigate and triage issues • Be on the frontlines of Incident Response, actively investigating issues and protecting Upstart • Build common response workflows to expedite investigation and response using AI and SOAR Technology