Account Executive - Lending Partnerships

OhioX; Austin, San Francisco, New York (TX, CA, NY); Hybrid; USD 123,000 - 170,000; Full time

Benefits offered by this job

Competitive pay

401k match

ESPP

Health coverage

HSA

Life insurance

PTO

Parental leave

EAP

Wellness allowance

Job summary

Upstart seeks an Account Executive, Home Equity to expand our HELOC partnerships with IMBs and mortgage brokers. You’ll prospect, negotiate, and close deals while coordinating with marketing and product teams to optimize programs.

The role is remote across the U.S., with some in-person onsites and travel as needed; you’ll join a fast-growing, digital-first team focused on scalable growth and strong cross-functional collaboration.

Qualifications

• 3 years of related work experience.
• 2-3 years of mortgage sales experience or leading mortgage function in a financial institution.
• Experience with 2nd lien or Home Equity products.
• Understanding of mortgage lending regulations and industry best practice.
• 5 years of related work experience.
• 3-5 years of mortgage sales experience or leading mortgage function in a financial institution.
• Prior TPO Account Executive experience.
• Proven mortgage sales track record with an industry network.
• Understanding of TPO mortgage lending operations.
• Naturally brings people together, builds strong cross-functional relationships, and recognizes that the best outcomes come from working as one team.
• Moves with urgency, takes initiative, and finds practical ways to move opportunities forward without waiting for perfect information.
• Takes accountability beyond getting a deal signed, proactively working through obstacles and ensuring a successful handoff and launch.
• Makes thoughtful decisions, balances speed with risk, and knows when to act independently versus when to bring others into the conversation.
• Open to feedback, willing to roll up their sleeves, and focused on team success rather than individual credit.

Responsibilities

• Taking opportunities from prospecting through negotiations and signed agreements.
• Build Upstart's presence across wholesale brokers and correspondent lenders.
• Bring on partners capable of generating meaningful HELOC origination volume.
• Collaborate with marketing teams to develop tactics and outbound marketing campaigns
• Collaborate with marketing teams to efficiently capture inbound opportunities
• Attend and prospect at relevant industry conferences
• Effectively handoff accounts to implementation and onboarding teams
• Provide clear market feedback to product teams to improve our programs
• Collaborate with the consumer product team on cross-sell and strategic partnerships

Skills

Mortgage sales

Account management

Negotiation

Prospecting

Job description

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 3,000 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, 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 is seeking a results-driven Account Executive, Home Equity to accelerate the expansion of our third-party origination (TPO) business across wholesale and correspondent lending channels.

This role will focus exclusively on identifying, developing, negotiating, and closing new partnerships with independent mortgage banks (IMBs) and mortgage brokers.

With industry leading HELOC and consumer loan products, extensive brand awareness, and supporting marketing and growth teams, you are enabled for and positioned to rapidly build partnerships and help drive production. As an Account Executive you will play a critical role in developing, guiding, improving and scaling our sales initiatives that will position Upstart as a HELOC industry leader.

How you’ll make an impact

• Taking opportunities from prospecting through negotiations and signed agreements.
• Build Upstart's presence across wholesale brokers and correspondent lenders.
• Bring on partners capable of generating meaningful HELOC origination volume.
• Collaborate with marketing teams to develop tactics and outbound marketing campaigns
• Collaborate with marketing teams to efficiently capture inbound opportunities
• Attend and prospect at relevant industry conferences
• Effectively handoff accounts to implementation and onboarding teams
• Provide clear market feedback to product teams to improve our programs
• Collaborate with the consumer product team on cross-sell and strategic partnerships

Minimum Qualifications

• 3 years of related work experience
• 2-3 years of mortgage sales experience or leading mortgage function in a financial institution
• Experience with 2nd lien or Home Equity products
• Understanding of mortgage lending regulations and industry best practice

Preferred Qualifications

• 5 years of related work experience
• 3-5 years of mortgage sales experience or leading mortgage function in a financial institution
• Prior TPO Account Executive experience
• Proven mortgage sales track record with an industry network
• Understanding of TPO mortgage lending operations
• Naturally brings people together, builds strong cross-functional relationships, and recognizes that the best outcomes come from working as one team.
• Moves with urgency, takes initiative, and finds practical ways to move opportunities forward without waiting for perfect information.
• Takes accountability beyond getting a deal signed, proactively working through obstacles and ensuring a successful handoff and launch.
• Makes thoughtful decisions, balances speed with risk, and knows when to act independently versus when to bring others into the conversation.
• Open to feedback, willing to roll up their sleeves, and focused on team success rather than individual credit.

Position location

This role is available in the following locations: Remote

Time zone requirements

The team operates on the East/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 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.

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

$122,700 — $169,800 USD

What you'll love

At Upstart, our benefits for full-time employees 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
• 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
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
• 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, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

For roles based in Canada, please note that we are not currently able to hire in Quebec.

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 [e-mail]

https://www.upstart.com/candidate_privacy_policy