Head of Auto Collections

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October 3

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Upstart

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Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

1001 - 5000 employees

📋 Description

• Set Strategy: Partner with the Director of Auto Servicing to define and evolve our auto collections strategy, balancing borrower experience with business outcomes. • Elevate Performance: Develop frameworks and processes to maximize team performance and operational efficiency. • Be Our Industry Expert: Evaluate and optimize vendors, tools, call flows, and contact strategies to support borrowers and reduce gross charge-offs. • Drive Strategic Transformation: Prioritize and deliver initiatives that advance our collections capabilities, leveraging technology and data. • Lead with Data: Analyze performance metrics, uncover insights, and lead continuous improvement efforts through dashboards and reporting. • Collaborate Cross-Functionally: Partner with Product, Legal, Compliance, Risk, and Engineering to build systems, define product requirements, and launch operational tooling. • Develop a High-Performing Team: Hire, mentor, and grow a resilient team while fostering a culture of ownership, accountability, and ethical practices.

🎯 Requirements

• 7+ years of experience in consumer auto finance collections, including leadership responsibility across the delinquency lifecycle. • 5+ years in a leadership role with a proven track record of developing and implementing successful collections strategies. • Deep knowledge of auto collections, repossession processes, and regulatory requirements. • Proven success in designing contact strategies, call flows, and operational processes that improve performance. • Tech-forward and future-focused mindset, with experience leveraging automation and digital strategies in collections. • Exceptional leadership, communication, and cross-functional collaboration skills; able to influence and execute through others. • Agility: Ability to work in a fast-paced and dynamic environment, rationalize trade-offs and prioritization, willingness to get creative to drive results. • Big picture thinker: You understand how all stakeholders behave and perform, and are highly capable of combining different tools and methods to create an effective auto recovery strategy. • Analytical adeptness: You are data-driven, analytical, detail-oriented and relentlessly use data to make decisions on strategy, constantly re-evaluating and updating strategy and needed to maximize effectiveness. • Flexible amid change and ambiguity: You are excited and comfortable working in an early-stage, high-growth company with limited historical data. You learn quickly, work independently, think creatively, and adapt well to change. You are comfortable operating quickly and scrappily, and as well as other technical and non-technical audiences at Upstart.

🏖️ Benefits

• 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