Portfolio Manager, Risk Capital

Upstart

Run the monthly process end-to-end with operational excellence — performance reporting and settlement for each investment.; Calculate and stand behind the amounts owed between Upstart and each investor every month, and work with our invest…

Posted 7/2/2026Verified active Jul 25, 2026, 12:31 AMfull-timeUnited States • 🇺🇸 United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Candidates should emphasize their expertise in investment management and portfolio performance analysis, along with strong quantitative skills in financial modeling and data analysis. Proficiency in automation tools and the ability to mentor junior analysts are also critical for success in this role.

Highest-signal resume keywords

Investment ManagementPortfolio ManagementFinancial ModelingData AnalysisAutomation Initiatives

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial ModelingSQLPythonData AnalysisCash-Flow Auditing

Soft Skills

MentoringCommunicationCollaborationProblem-SolvingLeadership

Tools & Technologies

AI ToolsSpreadsheetsInvestment Performance Monitoring Systems

Certifications & Qualifications

Bachelor’s Degree in FinanceEconomicsMathematicsEngineering

Industry Keywords

Structured FinanceCapital MarketsConsumer LoansMarketplace LendingAsset-Backed Investments

Tech Stack

Tools & technologies

PythonSparkSql

About the role

Key responsibilities & impact

Run the monthly process end-to-end with operational excellence — performance reporting and settlement for each investment.
Calculate and stand behind the amounts owed between Upstart and each investor every month, and work with our investor-facing team to settle them.
Monitor the portfolio’s performance, value, and risk across all investments, and surface what matters to Finance and Treasury leadership.
Partner across Capital Markets, Accounting, Treasury, Audit, and our investor-facing team to bring on new deals and answer investors’ questions on performance and settlements.
Lead the automation that modernizes how the team works with AI enablement.
Mentor two junior analysts on the analysis, the modeling, and the judgment behind the numbers.

Requirements

What you’ll need

Bachelor’s degree, or equivalent practical experience, in finance, economics, mathematics, engineering, or a related quantitative field.
5+ years of experience in investment management, portfolio management, structured finance, or capital markets.
Demonstrated experience building and auditing cash-flow or financial models in spreadsheets.
Experience querying and analyzing data with SQL or a comparable query language.
Experience with consumer loans, asset-backed or whole-loan investments, or marketplace lending (e.g., personal, auto, or home-equity loans).
Proficiency with Python and hands-on use of AI tools to automate analysis, modeling, or reporting.
Familiarity with how returns are shared across different deal structures, and with monitoring investment performance and risk.
Experience supporting investor relationships, settlements, or reporting for institutional investors.
Ability to explain complex deals and numbers in plain language for senior leaders and investors.
Experience leading process-improvement or automation initiatives within a finance or analytics function.

Benefits

Comp & perks

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 $15,000 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