Funding & Liquidity Manager
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Job Description
Funding & Liquidity Manager managing wholesale funding, collateral, and liquidity risk for Upstart’s AI lending bank. Supporting forecasts, contingency funding, regulatory reporting, and balance-sheet resilience.
Responsibilities:
- Execute the Bank’s wholesale funding strategy and manage funding sources including 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
- Conduct eligibility reviews, pledging, substitutions, borrowing tests, and readiness activities under normal and stressed conditions
- Monitor liquidity through daily, weekly, and monthly reporting covering survival horizon, available liquidity, liquid assets, funding concentrations, maturity profiles, deposit composition, collateral utilization, and early warning indicators
- Prepare baseline and stressed liquidity forecasts and 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
- Coordinate periodic contingency funding exercises
- Prepare liquidity reporting for the Asset and Liability Committee, executive management, the Board, Internal Audit, and regulators
- Support policy administration, examinations, audits, and Treasury reporting enhancements
- Partner with Finance, Risk, Lending, Deposit Product, Operations, Accounting, and Regulatory Reporting
Requirements:
- Bachelor’s degree in Finance, Accounting, Economics, Business, or a related field, or equivalent practical experience
- 10+ years of experience in bank treasury funding, asset and liability management, or liquidity risk management
- Experience working within a commercial bank, community bank, or bank holding company
- Experience executing wholesale funding transactions and managing secured borrowing facilities
- Experience producing liquidity reporting, forecasts, or stress-testing analyses used to monitor compliance with liquidity limits and regulatory requirements
- Preferred: experience managing Federal Home Loan Bank borrowing programs, collateral, and available borrowing capacity
- Preferred: knowledge of Federal Reserve Discount Window access, collateral requirements, and operational readiness testing
- Preferred: experience supporting liquidity stress testing, contingency funding planning, and reporting to an Asset and Liability Committee or Board
- Preferred: knowledge of bank regulatory reporting and liquidity guidance, including Call Report requirements
- Preferred: advanced spreadsheet and financial modeling skills
- Preferred: familiarity with Bloomberg, Federal Home Loan Bank portals, Federal Reserve systems, or asset and liability management platforms such as Empyrean, QRM, PrecisionLender ALM, or similar tools
Benefits:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage including medical, dental, vision, and wellness resources for US employees
- Health Savings Account contributions for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays
- Paid family and parental leave
- Family-centered fertility, parenthood, and caregiving benefits
- Employee Assistance Program (EAP) with mental health support and life-centered resources
- Financial wellness resources, including financial planning tools and a financial concierge service (US only)
- Annual wellness allowance
- Annual productivity allowance for relevant tools and resources
- Team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks including catered lunches and fully stocked micro-kitchens when working from an office
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