Senior Underwriting Manager, Lending

About Upstart

At Upstart, we are 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 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We are 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 are 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.

If you're energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we would love to hear from you.

The Home Lending Underwriting team is responsible for delivering accurate, consistent, and high‑quality credit decisions that enable responsible growth of our Home Lending business. The team brings deep mortgage expertise to complex lending scenarios while ensuring underwriting decisions align with credit policy, investor requirements, and applicable regulatory requirements.

• Lead, coach, and develop a high‑performing team of mortgage underwriting professionals responsible for delivering accurate, timely, and consistent credit decisions.
• Serve as a subject‑matter expert on residential mortgage underwriting, providing guidance on complex borrower scenarios, income analysis, assets, credit, collateral, debt‑to‑income calculations, and exceptions.
• Ensure underwriting decisions are consistently executed in accordance with established credit policy, investor guidelines, and regulatory requirements.
• Partner closely with Credit Strategy to interpret and operationalize credit policy, resolve complex underwriting questions, and provide frontline insights that inform future policy decisions.
• Monitor underwriting performance, quality results, exception trends, and recurring issues to identify opportunities to improve decision quality and the borrower experience.
• Establish effective escalation and decision‑making practices for complex or ambiguous loan scenarios, ensuring underwriting teams receive timely and consistent guidance.
• Partner with Product and Engineering to improve underwriting workflows, tools, and technology, bringing the voice of the underwriter into product development and prioritization.
• Collaborate with Risk, Compliance, Operations, and other cross‑functional partners on changes that impact underwriting and ensure underwriting considerations are represented in business decisions.
• Develop underwriting talent and subject‑matter expertise across the organization through coaching, knowledge sharing, and effective training.

• 7+ years of residential mortgage underwriting experience, including experience underwriting complex borrower scenarios.
• 3+ years of people leadership experience managing mortgage underwriters or underwriting teams.
• Demonstrated experience evaluating borrower income, assets, credit, collateral, and debt‑to‑income calculations.
• Experience applying conventional mortgage underwriting guidelines and credit policies to loan decisions, complex scenarios, and exceptions.
• Experience interpreting and implementing changes to mortgage credit policies, investor guidelines, or…