Job Description
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 1800 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’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.
If you’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.
The Team:
Upstart’s Auto Onboarding team is responsible for reviewing and processing applications across Auto Refinance Auto Retail Indirect and Auto-secured Personal Loan products. As origination volume continues to grow the team plays a critical role in ensuring customers receive timely accurate decisions while maintaining compliance with operational policies and procedures.
As a Senior Loan Processor Auto at Upstart you will review and verify applications that require manual evaluation beyond instant AI approvals. You’ll assess income and supporting documentation review auto-specific verification items such as insurance and payoff information and help customers move efficiently through the lending process. This role also contributes feedback that helps improve workflows operational processes and automation capabilities as the business scales.
How you’ll make an impact
- Review and process auto lending applications with accuracy efficiency and adherence to established policies and procedures
- Verify customer income insurance documentation payoff quotes and other application materials to support lending decisions
- Navigate large operational queues independently and prioritize aging or high-priority applications in a fast-paced environment
- Identify discrepancies workflow gaps or operational issues and escalate findings to appropriate partners when needed
- Collaborate with teammates and cross-functional partners to support operational improvements policy updates and new product launches
- Contribute feedback and insights that help improve customer experience internal tooling and process scalability as Upstart’s auto products continue to grow
Minimum Qualifications
- 9+ months of experience in onboarding loan processing financial operations banking operations insurance operations or auto lending support roles
- Experience reviewing customer applications financial documents or verification materials while adhering to established policies and procedures
- Demonstrated experience meeting productivity and quality performance metrics in a high-volume operational environment
- Experience using case management systems operational dashboards or internal tooling to identify discrepancies exceptions or processing issues
- Ability to manage multiple priorities and complete application reviews in a queue-based operational environment
Preferred Qualifications
- Knowledge of auto lending operations including auto refinance indirect auto lending or secured lending products
- Ability to identify process inefficiencies and contribute recommendations that improve operational workflows or customer experience
- Skills in analyzing application data and supporting documentation to identify abnormalities inconsistencies or process gaps
- Experience collaborating with cross-functional teams to support operational changes escalations or new product implementations
- Effective communication skills when supporting customers business partners and internal stakeholders in a fast-paced environment
Position location This role is available in the following locations: Columbus OH (Easton OH office)
Time zone requirements The team operates on the East coast time zone
Shift time requirements: You must be able to adhere to a Tuesday - Saturday or Sunday - Thursday work schedule aligning to one of the below shift times.
- 9:00am - 5:30pm ET
- 11:30am - 8pm ET
In-Office requirements: You will be required to work from the Easton OH office 2 days per week (Wednesdays & Thursdays).
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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-Entry
This is a Non-Exempt position. Employees in this position are paid an hourly pay rate on a bi-weekly basis and are eligible to receive overtime pay for any hours worked over 40 in a work week or over 8 in a work day if required by state law.
What you'll love
At Upstart our benefits are designed to support your health financial well-being family and personal growth. Here’s what you can expect:
- Competitive compensation including base pay bonus opportunities and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed up to $15000 annually (USD in the US CAD in Canada)
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage designed to support you and your family including medical dental vision and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits including life insurance and disability coverage for added financial security
- Paid time off sick leave and company holidays in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support fertility parenthood and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources including access to financial planning tools and a financial concierge service (US Only)
- Annual wellness allowance to support your physical and emotional well-being and personal development based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work no matter where you work from
- Connection and community through team events all-company updates and employee resource groups (ERGs)
- Onsite perks including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area Austin Columbus and New York City (opening Summer 2026!)
For roles based in Canada please note that we are not currently able to hire in Quebec.
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all we are committed to inclusive and fair hiring practices.
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Skills Required
- 9+ months of experience in onboarding loan processing or auto lending support roles
- Experience reviewing customer applications adhering to policies and procedures
- Demonstrated experience meeting productivity and quality metrics
- Experience using case management systems to identify processing issues
- Ability to manage multiple priorities in a queue-based environment
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI lenders can approve more borrowers at lower rates across races ages and genders while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload. Founded in 2012 Upstart’s platform includes personal loans automotive retail and refinance loans home equity lines of credit and small-dollar “relief” loans. If you are energized by the impact you think you could make at Upstart we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced and we encourage ownership at all levels of the organization. As a result culture at Upstart is driven by Upstarters. Upstarters are proactive talented multi-dimensional and collaborative.
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Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo California; Columbus Ohio; Austin Texas; and New York City NY.
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Date Posted
06/24/2026
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