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’s Technical Accounting and Financial Reporting team is a critical part of the Company’s finance organization, responsible for ensuring compliance with US GAAP and SEC reporting  requirements. The team leads the implementation of new accounting standards and SEC rules, develops and maintains accounting policies, evaluates complex and significant transactions, prepares quarterly and annual filings and other important areas of Upstart’s financial reporting.  

As the Senior Technical Accounting and Financial Reporting Associate, you contribute meaningfully to Upstart’s internal and external financial reporting processes. You support the preparation and completion of SEC filings, evaluate technical accounting matters, and help strengthen accounting and reporting processes and internal controls. This role requires strong technical expertise, attention to detail, and the ability to operate effectively in a fast-paced environment. You partner closely with various stakeholders, including accounting, legal, capital markets and investor relations, and work extensively with independent auditors. You have experience in and have good working knowledge of SEC reporting and US GAAP, including stock-based compensation, revenue recognition, internal-use software, and consolidation. You thrive in the fast-paced environment that values problem solving skills and technical expertise. 

How you’ll make an impact

• Assist in the preparation of SEC filings (i.e. 10-K, 10-Q, 8-K, and other SEC filings) including the preparation of financial statements, footnote disclosures, relevant disclosure checklists, and supporting documentation
• Maintain and update filings within the SEC reporting platform, including rollforwards, formatting, tie-outs and XBRL support
• Prepare supporting schedules and ensure completeness and accuracy of disclosures
• Perform industry benchmark studies, develop and prepare recommendations
• Support month-end and quarter-end close activities related to revenue recognition, stock-based compensation, internal-use software, and consolidation
• Partner with Accounting Operations to ensure proper accounting application and documentation
• Actively participate in the implementation of new accounting standards and SEC rules, monitor upcoming standards, assess their impact on Upstart’s financial statements, and document decisions and conclusions
• Liaison with external auditors on annual audits, quarterly reviews, and special projects
• Perform recurring technical accounting analysis and documentation thereof
• Assist in design, implementation, and testing of controls over financial reporting
• Identify process improvement opportunities and support automation and reporting enhancements 
• Participate in various ad-hoc research, projects or initiatives.

Minimum Qualifications 

• 3+ years of relevant experience, including a mix of SEC reporting, public accounting and/or SEC reporting experience with public companies 
• Working knowledge of US GAAP and SEC reporting requirements
• Experience preparing or reviewing financial statements
• Proven ability to learn quickly, work independently, and adapt to change in a fast-paced environment
• Excellent communicator with superb oral and written communication skills, and ability to partner with cross-functional teams
• Strong analytical and quantitative skills
• Bachelor’s or higher degree in Accounting or related field

Preferred Qualifications

• CPA or equivalent experience; experience in financial services industry preferred
• Experience in designing and maintaining internal controls over financial reporting
• Experience in systems such as Workiva, Netsuite and Intelligize
• Strong continuous improvement mindset with focus on process optimization and innovation

Position location This role is available in the following locations: Remote 

Time zone requirements The team operates on the West coast time zones. 

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 but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ 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-REMOTE

#LI-Associate

At Upstart, your base pay is one part of your total compensation package.  The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range

$84,100—$116,300 USD

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
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
• Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
• Health Savings Account contributions from Upstart for eligible plans
• Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
• Paid time off, sick and safe time, and company holidays 
• Paid family and parental leave to support caregiving and major life moments
• Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
• 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
• 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 and onsites, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

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 candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy