Senior Operations Manager, Auto

About Upstart

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. And 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.
We’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters. We’d love to hear from you.

Upstart’s Loan Processing organization is seeking a strategic and results‑driven senior operations manager to lead our Auto Loan Onboarding function. This leader will be responsible for overseeing the performance, operating model, and long‑term strategy of the Auto Onboarding organization, including the Auto‑Refinance, Auto‑Secured Personal Loan (ASPL), and Auto‑Indirect lending products. The Senior Operations Manager will lead a team of Operations Managers and Associate Operations Managers, and will be accountable for delivering against productivity, quality, risk, and customer experience outcomes s role requires a strong operator with deep Auto lending knowledge, exceptional people leadership skills, and a demonstrated ability to build systems that scale in a fast‑paced, high‑growth environment.

As Upstart continues transitioning from manual processing to AI‑enabled workflows, this leader will play a critical role in evolving the team from a task‑based execution model to a more automated, audit‑ and oversight‑driven operating structure.

• Lead and evolve the end‑to‑end operating model for Auto Loan Onboarding, ensuring scalable, efficient, and compliant workflows across Auto‑Refinance, ASPL, and Auto‑Indirect products.
• Own department‑level performance against productivity, turnaround time, touch rate, quality, and risk, translating company objectives into clear execution plans for managers and teams.
• Partner cross‑functionally with Product, Engineering, Risk, Compliance, Workforce Management, and Finance to prioritize automation, process improvements, and structural enhancements that support sustainable growth.
• Monitor business trends and operational risks, identify systemic bottlenecks, and implement durable solutions that improve performance and portfolio outcomes.
• Lead and develop Operations Managers, strengthening leadership capability, accountability, and succession planning across the organization.
• Drive continuous improvement initiatives that reduce manual effort, enhance controls, and improve customer and dealer experience.

• 3+ years experience in an Operations role within Onboarding, Servicing, or Auto Lending at a Financial Institution.
• 2+ years experience leading people managers.
• Strong analytical and operational acumen with the ability to translate data into action.
• Proven ability to influence cross‑functional partners and drive alignment across competing priorities.
• Excellent written and verbal communication skills with experience presenting to senior stakeholders.

• 4+ years of leadership experience in a high‑volume operations environment.
• Deep knowledge of Auto lending products, Retail Installment Contracts…