[All remote jobs](https://jobicy.com/jobs.md)[![Upstart logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/bc2cfa2b-221-1.jpeg)](https://jobicy.com/company/upstart.md)[Upstart](https://jobicy.com/company/upstart.md) # ALM Manager Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/upstart.md)ShareRemote from[USA](https://jobicy.com/job-region/usa.md)SalaryUSD 159,500–220,700 / yrDepartment[Finance & Accounting](https://jobicy.com/categories/accounting-finance.md)EmploymentFull TimeExperienceDirectorPublished9 Oct 2026Apply before8 Nov 2026Listing views30Application actions1Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Upstart is hiring a senior ALM Manager to own first-line asset and liability management and interest-rate-risk measurement for Upstart Bank. The role leads ALM platform implementation and administration, behavioral-assumption governance, net interest income and economic value sensitivity analysis, and scenario testing. This person will translate modeling outputs into recommendations on funding, pricing, investments, hedging, and balance-sheet strategy. The position requires 10+ years of regulated-bank treasury or ALM experience and frequent communication with ALCO, executives, the Board, auditors, and regulators. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 4/5RelaxedFast-paced ### Autonomy Level 5/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThis is a highly senior, technically specialized bank treasury role requiring ownership of a regulated ALM/IRR framework, complex model assumptions, and balance-sheet recommendations. Success depends on strong independent judgment as well as the ability to defend analyses before senior governance bodies and regulators. ## Salary analysis Estimated compensation compared with the broader US market for similar roles. Estimated job medianMarket rate$190,100US market range$155k–$230k0$253k AI insightThe disclosed annual base-pay range is $159,500 to $220,700 USD, with a midpoint of $190,100. The estimated US market range for a senior bank ALM Manager with 10+ years of regulated treasury and interest-rate-risk experience is approximately $155,000 to $230,000 in annual base salary; the stated range is competitive for this specialty. ## Core skills Skills and capabilities most closely associated with this opportunity. [asset liability management](https://jobicy.com/jobs?search_keywords=asset%20liability%20management.md)[ALM](https://jobicy.com/jobs?search_keywords=ALM.md)[interest rate risk](https://jobicy.com/jobs?search_keywords=interest%20rate%20risk.md)[bank treasury](https://jobicy.com/jobs?search_keywords=bank%20treasury.md)[net interest income](https://jobicy.com/jobs?search_keywords=net%20interest%20income.md)[economic value of equity](https://jobicy.com/jobs?search_keywords=economic%20value%20of%20equity.md)[balance sheet management](https://jobicy.com/jobs?search_keywords=balance%20sheet%20management.md)[ALCO reporting](https://jobicy.com/jobs?search_keywords=ALCO%20reporting.md)[financial modeling](https://jobicy.com/jobs?search_keywords=financial%20modeling.md)[SQL](https://jobicy.com/jobs?search_keywords=SQL.md) Sample interview questionsHow would you establish and govern an ALM and interest-rate-risk framework for a growing bank?I would begin by defining approved risk measures, reporting frequency, limits, early-warning indicators, and governance responsibilities. I would ensure reliable source-to-model data reconciliations, document behavioral assumptions, run NII and EVE scenarios, conduct backtesting and sensitivity analysis, and present clear actions and exceptions to ALCO. How do deposit betas and decay assumptions affect interest-rate-risk results? Deposit betas determine how much and how quickly deposit rates reprice as market rates move, while decay assumptions estimate expected deposit retention. Both materially affect modeled funding costs, NII sensitivity, EVE exposure, and the assessment of deposit stability, so they should be segmented, empirically supported, regularly backtested, and governed through formal change control. Describe how you would investigate a significant period-over-period change in NII sensitivity. I would decompose the movement across balance changes, repricing volumes and timing, rate-curve changes, product mix, pricing assumptions, deposit behavior, loan prepayments, and model or data changes. I would reconcile the analysis to source data, quantify each driver, validate whether limits remain appropriate, and provide ALCO with a concise explanation and recommended actions. What controls would you implement when administering an ALM platform? Key controls include documented data lineage and mapping, source-to-model reconciliations, completeness and reasonableness checks, user-access controls, versioned assumptions, model change approvals, issue logs, vendor-management procedures, and reproducible reporting. I would also maintain evidence for model validation, audit testing, and regulatory examination. How would you communicate a complex EVE and NII scenario to the Board or ALCO? I would lead with the decision-relevant conclusion: the direction and magnitude of exposure, the principal drivers, limit status, and recommended management response. Supporting materials would use clear scenario comparisons, trend charts, key assumptions, and concise discussion of uncertainty so stakeholders can challenge assumptions and make informed risk decisions. Opportunity details ## About this role. 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 Bank is a purpose-built, technology-enabled bank that combines innovative lending with disciplined balance sheet and risk management. The Treasury team supports sustainable growth by managing the Bank’s funding, liquidity, capital, investment portfolio, and interest rate risk across changing market conditions and economic cycles. As the ALM Manager, you will own the Bank’s first-line asset and liability management and interest rate risk management framework. Reporting to the Bank Treasurer, you will lead implementation and ongoing operation of the Bank’s ALM platform, develop and govern key behavioral assumptions, analyze net interest income and economic value sensitivity, and translate model results into balance sheet and risk-management recommendations. You will partner closely with Finance, Risk, Lending, Deposit Product, Accounting, Data, Engineering, and Regulatory Reporting to support a resilient and well-managed balance sheet. How you’ll make an impact * Own the Bank’s asset and liability management and interest rate risk measurement framework, including net interest income simulation, economic value of equity sensitivity, repricing gap analysis, and other measures used to assess earnings and capital exposure across changing rate environments. * Lead implementation, configuration, and ongoing administration of the Bank’s ALM platform, including data mapping and staging, source-to-model reconciliations, model controls, change management, vendor coordination, and issue resolution. * Develop, document, and regularly evaluate behavioral and market assumptions, including deposit betas and decay, loan prepayments and curtailments, repricing characteristics, funding rollover behavior, yield curves, and product optionality; perform sensitivity analysis, backtesting, and outcomes analysis. * Design and evaluate parallel and non-parallel rate shocks, ramps, curve twists, and business-plan scenarios; identify key drivers of risk, monitor limits and early warning indicators, and explain period-over-period changes in the Bank’s interest rate risk profile. * Recommend balance sheet, product pricing, funding, investment, and hedging actions to manage interest rate risk within approved appetite and limits, and partner with business leaders to assess the ALM implications of new products and changes in balance sheet strategy. * Prepare clear, decision-useful ALM and IRR reporting for the Asset and Liability Committee, executive management, the Board, Internal Audit, and regulators, while supporting policy administration, model risk management, independent validation, examinations, audits, and continuous improvement of Treasury reporting. Minimum Qualifications * Bachelor’s degree in Finance, Accounting, Economics, Business, Mathematics, Statistics, or a related field, or equivalent practical experience. * 10+ years of experience in bank treasury, asset and liability management, interest rate risk management, balance sheet management, or a closely related discipline. * Experience working within a commercial bank, community bank, or bank holding company and applying bank ALM and interest rate risk concepts in a regulated environment. * Hands-on experience operating an ALM platform and producing net interest income and economic value sensitivity analyses under multiple rate and balance sheet scenarios. * Experience developing and governing model assumptions, reconciling source data to model inputs, analyzing model results, monitoring policy limits, and preparing ALM or IRR reporting for senior management or an Asset and Liability Committee. Preferred Qualifications * Experience presenting ALM and interest rate risk analyses to an Asset and Liability Committee, executive management, a Board or Board committee, auditors, and bank regulators. * Knowledge of applicable bank regulatory guidance for interest rate risk and model risk management, including OCC, Federal Reserve, and FDIC supervisory expectations. * Experience with fixed-rate consumer lending, retail and wholesale deposits, investment securities, derivatives, and the balance sheet dynamics of a de novo or rapidly growing bank. * Advanced spreadsheet and financial modeling skills; proficiency with SQL or similar data tools; and familiarity with ALM platforms such as Empyrean, QRM, BancWare, Moody’s Analytics, or similar systems. * Experience supporting independent model validation, assumption backtesting, model change governance, hedging analysis, or funds transfer pricing; CFA, FRM, or another relevant professional credential is a plus. Position location This role is available in the following locations: Remote 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-MidSenior 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 $159,500—$220,700 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 candidate_accommodations@upstart.com [https://www.upstart.com/candidate_privacy_policy](https://www.upstart.com/candidate_privacy_policy) Show more [Apply now >](https://jobicy.com/jobs/154928-alm-manager.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. This job listing has been manually reviewed by the Jobicy Trust & Safety Team for compliance with our posting guidelines, including verification of the company's legitimacy, accuracy of job details, clarity of remote work policy, and absence of misleading or fraudulent content. Next step ## Apply now. Follow the employer’s application method and review Jobicy’s safety guidance before sharing personal information. Keep exploring ## Related remote jobs. * ![Cresta logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2022/08/4d686e40b22cf2510b627c59afe5fd95.jpg) Cresta Oct 9 New ### [Accountant](https://jobicy.com/jobs/154940-accountant-2.md) Cresta unlocks the true potential of the customer experience, turning every conversation into a competitive advantage. Cresta’s unified AI platform combines conversational AI agents, real-time human agent augmentation, and comprehensive… * ![Jobber logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/135a74b7-221.jpeg) Jobber Oct 9 New ### [Manager, Credit Risk](https://jobicy.com/jobs/154930-manager-credit-risk.md) Please note: Our Talent team at Jobber will be offline for Jobber Impact – our flagship event of the year, bringing Jobberinos together to connect, learn, and celebrate what we’re… * ![Natera logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/1c3a8032-221.png) Natera Oct 9 New ### [Associate Director, Tax](https://jobicy.com/jobs/154920-associate-director-tax.md) POSITION SUMMARY: Natera is looking for an Associate Director, Tax to manage and facilitate the accurate preparation and filing of our company’s various tax and compliance filings including, state and… * ![hims & hers logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2023/11/e7b9b920-221.jpeg) hims & hers Oct 9 New ### [Financial Analyst, FP&A](https://jobicy.com/jobs/154913-financial-analyst-fpa-2.md) Hims & Hers is the leading health and wellness platform, on a mission to help the world feel great through the power of better health. We are redefining healthcare by… * ![Ruby Labs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/0799a7b7-221-1.jpeg) Ruby Labs Oct 9 New ### [Accounting Automation Engineer](https://jobicy.com/jobs/154905-accounting-automation-engineer.md) About us Ruby Labs is a leading tech company that creates and operates innovative consumer products. We offer a diverse range of opportunities across the health, education, and entertainment industries…. * ![Ruby Labs logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/0799a7b7-221-1.jpeg) Ruby Labs Oct 9 New ### [Revenue Accounting Manager](https://jobicy.com/jobs/154901-revenue-accounting-manager-2.md) About us Ruby Labs is a leading tech company that creates and operates innovative consumer products. We offer a diverse range of opportunities across the health, education, and entertainment industries…. * ![Samsara logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/dd26f5ca-221.jpg) Samsara Oct 9 New ### [Deal Desk Analyst](https://jobicy.com/jobs/154902-deal-desk-analyst-6.md) Who we are Samsara (NYSE: IOT) is the pioneer of the Connected Operations™ Cloud, which is a platform that enables organizations that depend on physical operations to harness Internet of… * ![Liftoff logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/c47aea9f-221.png) Liftoff Oct 9 New ### [Manager, Commercial Finance (Strategic Finance)](https://jobicy.com/jobs/152831-manager-commercial-finance-strategic-finance.md) Liftoff is a leading AI-powered performance marketing platform for the mobile app economy. Our end-to-end technology stack helps app marketers acquire and retain high-value users, while enabling publishers to maximize… * ![SOCi logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/d4748508-221.jpg) SOCi Oct 8 New ### [Accounts Receivable Specialist](https://jobicy.com/jobs/154866-accounts-receivable-specialist.md) Who We Are: SOCi is the leader in AI-powered marketing solutions for multi-location businesses. With its proprietary Genius AI™ and suite of Genius Agents™, SOCi provides a first-of-its-kind, AI-powered digital… * ![Demandbase, Inc. logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/664c17c5-221.jpg) Demandbase, Inc. Oct 8 New ### [Senior FP&A Manager](https://jobicy.com/jobs/154858-senior-fpa-manager.md) Introduction to Demandbase: Demandbase is the only pipeline AI platform that empowers GTM teams to automate growth at scale. With a unified view of data, insights, actions, and outcomes, B2B… [Browse all jobs](https://jobicy.com/jobs.md)