Senior Technical Accounting and Financial Reporting Associate

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.

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.

• 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 roll forwards, 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…