About Upstart

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

The Team

Upstart’s Technical Accounting and Financial Reporting team is a critical part of the Company’s finance organization, responsible for ensuring compliance with US GAAP and SEC reporting  requirements. The team owns implementation of new accounting and reporting pronouncements, development of accounting policies, determination of  accounting treatments and related disclosures for complex and significant transactions, production  of quarterly and annual filings, and other important areas of Upstart’s financial reporting.  

As the Senior Technical Accounting and Financial Reporting Manager at Upstart, you will play a pivotal role in shaping and leading a critical function within a young public company. You implement Upstart’s SEC reporting calendar and lead the preparation and completion of our SEC filings. As part of this work, you closely partner with various stakeholders, including accounting, legal, capital markets and investor relations. You also work extensively with independent auditors. You have a deep and broad knowledge of SEC reporting and US GAAP and are proficient in several topics, including stock-based compensation, revenue recognition, internal-use software, and consolidation. You thrive in the fast-paced environment that values problem solving skills and technical expertise. 

Time zone requirements The team operates on the West coast time zones.

In-Office requirements  Local team members typically meet in person in the San Mateo, CA office once a week and work from home the rest of the time.

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 on sites. 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.

How you’ll make an impact:

Own and lead the preparation and submission of SEC filings (10-Ks, 10-Qs, 8-Ks and other SEC filings), including financial statements, footnote disclosures, relevant disclosure checklists, supporting schedules and documentation.  Participate in the decision-making and implement changes related to financial and non-financial disclosures.  Analyze and address comments from stakeholders, including the Disclosure Committee, the Audit Committee, and the independent auditors Perform research and analysis on a variety of financial reporting topics and complete related technical accounting memos Participate in preparation of materials for the Executive Leadership Team and Audit Committee meetings Own certain key internal controls over financial reporting and other business processes   Continuously look for process improvements and implement best practices, including automated solutions and tools/systems to enhance the effectiveness and efficiency of external reporting.

What we’re looking for: 

Minimum Qualifications:

9+ years of relevant experience, including a mix of SEC reporting, public accounting and industry experience with public companies Demonstrated success in leading effective professional teams including financial reporting Deep technical accounting knowledge of SEC reporting regulations and US GAAP  Proven ability to learn quickly, work independently, and adapt to change in a fast-paced environment Superior oral and written communication skills, and ability to partner with cross-functional teams Strong analytical and quantitative skills Bachelor’s or higher degree in Accounting or related field

Preferred Qualifications:

CPA license Experience in designing and maintaining internal controls over financial reporting Proficiency in SEC reporting and technical accounting research tools (Workiva, Intelligize) Strong continuous improvement mindset with focus on process optimization and innovation

What you'll love: 

Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart  401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave   Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices

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).

San Mateo - Anticipated Base Salary Range$144,500—$200,000 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 

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