Manager, Internal Audit

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’s Internal Audit team provides independent, objective assurance to the Bank's Audit Committee and Board of Directors regarding the effectiveness of governance, risk management, compliance, and internal control processes. The team plays a critical role in supporting the Bank's safety and soundness by evaluating key risks across credit, compliance, operations, technology, cybersecurity, model risk management, third-party risk management, fraud risk, and financial reporting. The team works closely with Bank leadership, regulators, external auditors, and the internal audit team at parent company Upstart Holdings, Inc.(UHI) to promote a comprehensive understanding of enterprise risks while maintaining the independence and objectivity required of the Bank's Internal Audit function. As the Manager, Internal Audit at Upstart, you will play a foundational role in building and executing the Bank's Internal Audit program. You'll lead complex audits across banking, operational, technology, financial, and compliance risk areas while partnering with stakeholders across the organization to strengthen governance, manage emerging risks, and help shape the future of Internal Audit at Upstart Bank. How you’ll make an impact Lead complex risk-based audits from planning through reporting, including risk assessment, control evaluation, testing, issue development, and remediation validation. Evaluate the effectiveness of governance, risk management, compliance, and internal controls across banking, technology, operational, and financial processes. Build trusted partnerships with business leaders by communicating risks, identifying opportunities for improvement, and delivering practical, risk-based recommendations. Support development and execution of the Bank's annual risk-based audit plan and help mature audit methodologies, quality assurance activities, and continuous monitoring capabilities. Coordinate audit activities with Upstart Holdings Internal Audit, co-sourced providers, and external auditors to promote efficient enterprise risk coverage and consistent audit execution. Leverage data analytics, automation, and approved AI tools to improve audit quality, efficiency, and insight generation. Minimum Qualifications Bachelor's degree in Accounting, Finance, Business, Information Systems, Risk Management, or a related field. 7+ years of progressive experience in internal aud…