Senior Manager Closing Operations, Home Lending
Columbus, OH · USD 104,800-145,000 · 3+ years experience · Remote · Posted Sep 23, 2026
At a glance
- Experience
- 3+ years experience
- Workplace
- Remote
- Location
- Columbus, OH
- Salary
- USD 104,800-145,000 · Base salary
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’s Home Lending Operations team supports customers throughout the home equity lending process, helping ensure loans move efficiently, accurately, and compliantly from application through closing. Within Operations, the Closing team owns the operational execution required to complete loan closings and works closely with internal partners and third-party vendors that support closing and related functions.
About the role
- As the Senior Manager Closing Operations, Home Lending at Upstart, you will lead the operations of the Closing team and oversee day-to-day execution of external vendors used to support closing activities.
- You will be accountable for team performance, closing quality and productivity, vendor execution, and the continued development of scalable processes and controls.
- You will also serve as a subject matter expert and cross-functional partner, using operational data and lending expertise to identify risks and resolve complex issues.
Responsibilities
- Lead the day-to-day operations of the Closing team, setting priorities, managing capacity, and ensuring the team consistently delivers against closing quality, productivity, service-level, and turn-time expectations.
- Manage, coach, and develop team members by establishing clear performance expectations, providing regular feedback, identifying skill gaps, and creating opportunities that support individual development and team performance.
- Own operational performance across internal and third-party closing functions by establishing and monitoring metrics, identifying performance gaps and bottlenecks, and holding internal teams and vendors accountable for measurable outcomes.
- Lead the investigation and resolution of complex or high-risk closing issues, using root-cause analysis and operational data to implement durable process improvements, controls, and preventative solutions.
- Oversee day-to-day execution of third-party closing vendors, including escalations, issue resolution, and ongoing accountability against operational expectations.
- Partner with Product, Compliance, Legal, Risk, and other Operations leaders to anticipate operational needs, evaluate tradeoffs, improve closing workflows, and plan for changes in volume, process, policy, or technology into the future.
Requirements
- 5+ years of experience in mortgage, home equity, or residential lending operations with a deep understanding of home lending closing operations, settlements, and county lien recording.
- 3+ years of direct people management experience.
- Professional experience leading mortgage or home lending operations at a bank, credit union, mortgage lender, fintech, or other regulated financial institution.
- Experience managing third-party vendors or service providers supporting mortgage closing, title, settlement, notary, recording, funding, or related lending functions.
- Experience managing an operational team through defined productivity, quality, service-level, turnaround-time, or other performance metrics, including responsibility for capacity planning and performance management.
- Experience applying residential lending closing requirements, operational controls, and regulatory or compliance processes to resolve escalations and manage operational risk.
Preferred qualifications
- Experience supporting HELOC or other home equity lending products and knowledge of the end-to-end closing lifecycle.
- Experience using operational data to identify trends, conduct root-cause analysis, establish performance benchmarks, and implement measurable process improvements.
- Experience leading complex or cross-functional operational initiatives involving Product, Compliance, Legal, Risk, Technology, or other business partners.
- Knowledge of vendor governance practices, including service-level agreements, performance scorecards, escalation frameworks, and remediation plans.
- Ability to communicate complex operational issues, risks, and recommendations to senior leaders and internal or external stakeholders.
- Experience scaling or evolving operations through changes in volume, technology, process, policy, or regulatory requirements
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
- Comprehensive health coverage, including medical, dental, vision, and wellness resources
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits, including life insurance and disability coverage
- Paid time off, sick leave, and company holidays
- Paid family and parental leave
- Employee Assistance Program (EAP)
- Annual wellness allowance and annual productivity allowance
Workplace
- The team operates on the East coast time zone.
- Required to work from the Columbus, Ohio office 2 days per week.
