Funding Delivery Manager

About the role

The Funding Delivery Manager, Auto Loans, plays a crucial role in establishing the operational foundation for funding delivery within Upstart's growing auto lending business. This position involves owning the end-to-end funding delivery process, building scalable controls and reporting, and ensuring funded loans consistently meet lending partner, investor, and regulatory requirements.

Responsibilities

• Own the end-to-end funding delivery process for Upstart's auto lending products, ensuring funded loans are delivered accurately and on time to lending partners and investors.
• Build and scale funding delivery processes, controls, and operational reporting that improve funding success rates, reduce exceptions, and support regulatory readiness as the business grows.
• Investigate funding exceptions, delivery failures, and reconciliation issues by conducting root cause analysis and partnering across teams to implement sustainable solutions.
• Establish and maintain quality standards for loan files, ensuring documentation and data consistently meet lending partner, investor, and regulatory requirements for saleability and downstream servicing.
• Partner closely with Product, Operations, Capital Markets, Servicing, Compliance, Engineering, and external stakeholders to design scalable funding workflows and drive continuous process improvements.
• Develop metrics, dashboards, and performance reporting to provide visibility into funding health, identify operational risks, and inform business decisions while leveraging AI-enabled tools responsibly to improve documentation, reporting, and exception analysis.

Requirements

• Bachelor's degree in Business, Finance, Operations, Economics, or a related field (or equivalent practical experience).
• 5+ years of experience in lending operations, loan funding, capital markets operations, or financial services operations.
• Experience managing loan funding, delivery, investor reporting, or post-origination operational processes.
• Experience using operational metrics and data to investigate process issues and implement improvements.
• Experience partnering cross-functionally across capital markets, engineering, servicing, product and compliance teams.
• Experience leveraging AI-enabled tools responsibly to accelerate exception analysis, documentation, reporting, and/or operational process improvements while applying appropriate human judgment.

Preferred Qualifications

• Knowledge of auto lending products, funding workflows, and loan sale processes.
• Experience designing operational controls within a regulated financial institution.
• Ability to build scalable operational processes and documentation that support audit and regulatory requirements.
• Experience defining success metrics and operational controls for a new or evolving process.
• Skills in SQL, Excel, business intelligence tools, or dashboard development.
• Experience working with lending partners, investors, custodians, or third-party servicing organizations.