**Who this is for** This position is for an experienced risk management leader tasked with building a second-line oversight program for a growing national bank
Work type: remote
Location: United States | Remote
Salary: $189,000 – $334,000/yr
Type: Full-time
**Who this is for** This position is for an experienced risk management leader tasked with building a second-line oversight program for a growing national bank within a high-growth fintech environment. **Key highlights** You will define the strategy for liquidity, interest rate, and capital management risk. You will serve as a key stakeholder for regulatory interactions (OCC/FDIC) and provide credible challenge to the first-line Bank Treasury team regarding ALM and stress testing methodologies. **You might be a good fit if you...** - Have extensive experience establishing and leading treasury risk frameworks within a regulated banking institution. - Are comfortable presenting complex risk metrics and trends to executive leadership and board-level committees. - Possess deep technical knowledge of asset-liability management (ALM) and investment portfolio risk. - Excel at building out policies and oversight functions that meet rigorous regulatory expectations.
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 Risk team is hiring to enhance its second line of defense function in support of its application to establish a national bank. The Risk team is responsible for Upstart’s enterprise risk management program and risk governance, as well as for providing independent oversight and credible challenge across the following risk categories: operational risk, treasury risk (including liquidity risk, interest rate risk, price risk, and capital management), and operational risk. We partner with first-line business functions, senior and executive leadership, and the board of directors to ensure effective identification and assessment, measurement, monitoring and reporting, and response and control for all core risk types and in alignment with regulatory expectations.
Upstart is hiring a Director, Treasury Risk to establish and lead the independent second-line treasury risk oversight program. This role will partner closely with the first-line Bank Treasury function and will establish risk frameworks and limits in alignment with OCC and FDIC requirements and expectations, including with respect to asset-liability management, capital management, and investment portfolio management. In addition to partnering with the first-line Bank treasury team to define and implement treasury risk management activities and appropriate oversight and reporting, this role will provide critical second-line oversight and input on treasury risk exposures, risk limit breaches, and trends to management, oversight committees such as an Asset-Liability Committee (ALCO), and the committee of the board responsible for risk oversight. This role will also be the primary point of contact for critical external stakeholders such as bank examiners on an ongoing basis, including during the charter application process.
How you’ll make an impact
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.
#LI-REMOTE
#LI-Director
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, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$189,000—$334,000 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: