Funding & Liquidity Manager

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. 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 Bank is a purpose-built, technology-enabled bank that combines innovative lending with disciplined balance sheet and risk management. The Treasury team supports sustainable growth by maintaining reliable access to funding, managing liquidity risk, and preparing the Bank to respond effectively across changing market conditions and economic cycles. As the Funding & Liquidity Manager, you will own the Bank’s day-to-day funding and liquidity management framework. Reporting to the Bank Treasurer, you will execute wholesale funding activities, manage collateral and secured borrowing capacity, monitor liquidity risk, and maintain contingency funding readiness. You will partner closely with Finance, Risk, Lending, Deposit Product, Operations, Accounting, and Regulatory Reporting to support a resilient balance sheet. How you’ll make an impact Execute the Bank’s wholesale funding strategy, evaluating and managing funding sources such as Federal Home Loan Bank advances, brokered and reciprocal deposits, listing service deposits, federal funds purchased, and other wholesale instruments. Manage pledged collateral and borrowing capacity across the Federal Home Loan Bank and Federal Reserve Discount Window, including eligibility reviews, pledging, substitutions, borrowing tests, and readiness under normal and stressed conditions. Monitor the Bank’s liquidity position through daily, weekly, and monthly reporting, including survival horizon, available liquidity, unencumbered liquid assets, funding concentrations, maturity profiles, deposit composition, collateral utilization, and early warning indicators. Prepare baseline and stressed liquidity forecasts, analyze deposit and funding behavior, quantify contingent funding needs, and recommend actions to address emerging liquidity risks. Maintain the Contingency Funding Plan, funding playbooks, operational procedures, counterparty contacts, and borrowing documentation, and coordinate periodic contingency funding exercises. Prepare liquidity reporting for the Asset and Liability Committee, executive management, the Board, Internal Audit, and regulators while supporting policy administration, examinations, audits, and Treasury reporting enhancements. Minimum Qualifications Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field, or equivalent practical experience. 10+ years of experience in bank treasury f…