Senior Manager, Whole Loan Trading – First-Line Model Governance

🕒 Setembro 15

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $172.100 - $238.300 / ano

⏰ Tempo Integral

🟠 Sênior

🎲 Riscos

🦅 Patrocina Visto H1B

Esta empresa já patrocinou vistos H1B no passado.

👻 Score fantasma 0%

O que significa: quão provável esta vaga está aberta sem contratação ativa.Como ler: 60% ou mais significa que achamos que é uma vaga fantasma. Pontuações mais baixas preocupam menos.Como pontuamos: tempo em aberto, republicações, vagas abertas vs tamanho do time, rapidez para fechar vagas, e se o salário está divulgado.Observação: é uma estimativa de dados públicos, não um julgamento da empresa. Vagas reais podem ter pontuação alta, então use como uma dica, não como um fato.

Candidatar-se

Encontrar Vagas Remotas Similares

Configurar Alerta de Email para Novas Vagas

📊 Verifique sua pontuação de currículo para esta vaga

Melhore suas chances de conseguir uma entrevista verificando sua pontuação de currículo antes de se candidatar.

Enviar Currículo

Upstart

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

🚘 Automotivo

💼 Consultoria

🏥 Saúde

Automotive • Consulting • Healthcare

A Upstart é um dos principais marketplaces de empréstimos com IA, em parceria com bancos e cooperativas de crédito para expandir o acesso a crédito acessível. Ao nos tornarmos uma empresa de capital aberto, estamos agora prontos para alavancar nossa expertise no domínio e revolucionar todos os aspectos da concessão de empréstimos e avaliação de risco de crédito. Recentemente ampliamos nossas ofertas para incluir refinanciamento de automóveis e planejamos atuar em mais verticais à medida que o negócio cresce. Ao utilizar o marketplace de IA da Upstart, bancos e cooperativas de crédito que utilizam a Upstart podem ter taxas de aprovação mais altas e taxas de perda mais baixas, enquanto simultaneamente oferecem a experiência de empréstimo excepcional e digital-first que seus clientes exigem. O marketplace patenteado da Upstart é o primeiro a receber uma carta de não ação do Bureau de Proteção Financeira ao Consumidor relacionada a empréstimos justos. A Upstart não só apoia uma grande força de trabalho remota, mas também possui escritórios em San Mateo, CA; Columbus, OH; e Austin, TX. A maior parte dos que se juntam à Upstart o fazem porque se identificam com nossa missão de permitir acesso a crédito sem esforço baseado no risco real. Se você se sente energizado pelo impacto que pode causar na Upstart, adoraríamos ouvir de você!

Descrição

• Own the Whole Loan Trading and First-Line Model Governance function end-to-end, reporting to the Head of Secured Lending • Lead a small team of asset quality analysts across home equity line of credit, auto direct, and auto indirect dealer channels • Set review methodology, operating cadence, reporting standards, and escalation routines • Monitor portfolio-level salability risk, including eligibility adherence, defect patterns, collateral documentation quality, and exception concentrations • Escalate repurchase and put-back risk to Capital Markets and bank partners • Monitor asset quality and portfolio performance indicators, including early payment defaults, delinquency, loss severity, prepayment, non-performing loans, exception patterns, and threshold breaches • Evaluate origination and channel quality, collateral documentation, lien perfection, override trends, pricing consistency, dealer or partner performance, concentration risk, and fair lending exposure • Own first-line model implementation and performance oversight, including production monitoring, threshold tracking, version control, use-case boundaries, model inventory updates, and change impact assessment • Identify root causes, define remediation plans, track issue closure, and escalate risks before they affect loan sales, partner commitments, or regulatory readiness • Partner with Credit Risk, Capital Markets, Model Risk Management, Product, Engineering, Compliance, Legal, Operations, and bank partners

🎯 Requisitos

• 8+ years of experience in business-line credit risk, loan quality, asset-backed or secured lending operations, or first-line model governance supporting secured or asset-backed consumer lending products • Experience with loan-level quality review, loan salability oversight, Capital Markets or investor delivery, repurchase or put-back risk, bank partner audits, collateral documentation review, or pre-sale quality control in a regulated lending environment • Experience monitoring portfolio performance and asset quality indicators across multiple origination channels • Experience with first-line model oversight, production model monitoring, model implementation governance, model inventory documentation, or model performance escalation processes • Experience partnering with Capital Markets, investors, bank partners, or funding teams to evaluate loan eligibility, resolve delivery exceptions, interpret investor requirements, and mitigate repurchase, put-back, or make-whole exposure • Experience leading analysts, managing a review function, or owning cross-functional loan salability, asset quality, credit, or first-line model governance programs • Preferred: familiarity with auto indirect or dealer channel lending dynamics and fair lending considerations • Preferred: knowledge of secured lending and secondary-market quality expectations • Preferred: knowledge of consumer lending and fair lending requirements, including ECOA/Regulation B, UDAAP, FCRA, TILA/Regulation Z, dealer markup oversight, adverse action, or credit decisioning controls • Preferred: ability to evaluate production model execution, validation outputs, fair lending review outputs, underwriting accuracy, pricing consistency, and performance trends • Preferred: skill producing exam-ready policy documents, governance materials, issue tracking, executive summaries, and bank partner reporting • Preferred: risk or compliance certification such as Certified Regulatory Compliance Manager or Financial Risk Manager

🏖️ Benefícios

• Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly • 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible US employees • Medical, dental, vision, and wellness resources for US employees; supplemental health coverage for Canada • Health Savings Account contributions for eligible US plans • Life insurance and disability coverage • Paid time off, sick leave, and company holidays • Paid family and parental leave • Family-centered fertility, parenthood, and caregiving benefits • Employee Assistance Program with mental health support and life-centered resources • Financial planning tools and financial concierge service for US employees • Annual wellness allowance • Annual productivity allowance for relevant work tools and resources • Team events, all-company updates, and employee resource groups • Catered lunches and stocked micro-kitchens at offices