Manager, Internal Audit

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.

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. 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.

About the role

The Internal Audit team at Upstart Bank provides independent, objective assurance to the Bank's Audit Committee and Board of Directors regarding the effectiveness of governance, risk management, compliance, and internal control processes. The team plays a critical role in supporting the Bank's safety and soundness by evaluating key risks across credit, compliance, operations, technology, cybersecurity, model risk management, third-party risk management, fraud risk, and financial reporting. The team works closely with Bank leadership, regulators, external auditors, and the internal audit team at parent company Upstart Holdings, Inc. (UHI) to promote a comprehensive understanding of enterprise risks while maintaining the independence and objectivity required of the Bank's Internal Audit function.

As the Manager, Internal Audit at Upstart, you will play a foundational role in building and executing the Bank's Internal Audit program. You'll lead complex audits across banking, operational, technology, financial, and compliance risk areas while partnering with stakeholders across the organization to strengthen governance, manage emerging risks, and help shape the future of Internal Audit at Upstart Bank.

Responsibilities

• Lead complex risk-based audits from planning through reporting, including risk assessment, control evaluation, testing, issue development, and remediation validation.
• Evaluate the effectiveness of governance, risk management, compliance, and internal controls across banking, technology, operational, and financial processes.
• Build trusted partnerships with business leaders by communicating risks, identifying opportunities for improvement, and delivering practical, risk-based recommendations.
• Support development and execution of the Bank's annual risk-based audit plan and help mature audit methodologies, quality assurance activities, and continuous monitoring capabilities.
• Coordinate audit activities with Upstart Holdings Internal Audit, co-sourced providers, and external auditors to promote efficient enterprise risk coverage and consistent audit execution.
• Leverage data analytics, automation, and approved AI tools to improve audit quality, efficiency, and insight generation.

Requirements

• Bachelor's degree in Accounting, Finance, Business, Information Systems, Risk Management, or a related field.
• 7+ years of progressive experience in internal audit, external audit, risk management, regulatory oversight, or financial services.
• Experience auditing banking, fintech, lending, payments, or other technology-enabled financial services organizations.
• Experience leading audits independently from planning through reporting and remediation follow-up.
• Strong understanding of internal controls, risk-based auditing, governance, and professional auditing standards.
• Excellent written and verbal communication skills with the ability to influence stakeholders and present complex issues clearly.

Preferred Qualifications

• CPA, CIA, CISA, or another relevant audit, accounting, or risk management certification.
• Knowledge of OCC regulatory expectations, FDICIA, SOX, consumer compliance, technology risk, cybersecurity, model risk, or third-party risk management.
• Experience working with co-sourced audit providers, external auditors, or regulatory examinations.
• Experience helping build or enhance an Internal Audit function, audit methodology, or Quality Assurance and Improvement Program (QAIP).
• Experience using data analytics, automation, or GenAI tools to improve audit execution and reporting.

Schedule

As a digital-first company, the majority of your work can be accomplished remotely. Most employees can live and work anywhere in the U.S. but are encouraged to 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.

Pay

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 range of $133,400 - $184,600 USD. Your actual base pay will depend on your geographic location, job-related skills, experience, and relevant education or training. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Retirement benefits, 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, 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.
• 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.
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work.
• 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.