Account Executive, Auto Retail

San Mateo, CA - USA

Monthly Salary: Not Disclosed

Posted on: 30+ days ago

Vacancies: 1 Vacancy

Job Summary

About Upstart

At Upstart were 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 thats both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1800 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.

Were 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 doesnt mean distant. Were 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) youll have the support to work in the way that works best for you.

If youre energized by tackling meaningful problems excited to innovate with purpose and motivated by work that truly matters wed love to hear from you.

The Team

Upstart Auto Finance is reimagining how dealers structure approve and fund auto loans.
Our mission is to bring modern technology AI-driven credit decisioning and seamless digital workflows to every dealership in America; helping dealers sell more cars hold more gross and fund faster.

We believe that buying a car should feel as intuitive as shopping online with the power of AI lending driving faster approvals better customer experiences and stronger dealer of it as the best of:

Apples elegant customer experience
Amazons frictionless operations
Upstarts industry-leading AI lending platformall working together to modernize the auto finance process

Were expanding our reach in the retail and finance ecosystem bringing Upstarts proven AI credit decisioning to dealerships through Upstart Auto Finance (UAF) a first-look lending solution designed to streamline approvals reduce friction and unlock profit opportunities dealers didnt think were possible.

As an Account Executive on the Upstart Auto Finance Sales team youll be responsible for introducing UAF to dealerships in your territory and driving new partnerships from first conversation through signed agreement.

Youll act as a consultant helping dealers understand how AI-driven credit decisioning can improve their approval rates funding speed and profitability while simplifying their operations.

Youll collaborate with internal teams like Implementation Dealer Launch and Dealer Success to ensure a smooth handoff and successful launch.

This is a fast-paced high-impact role where performance discipline and execution drive measurable growth.

How youll make an impact

Engage with dealerships in your assigned territory to introduce Upstart Auto Finance and demonstrate how AI-powered decisioning drives better approval outcomes and faster funding.
Build and manage relationships with Dealer Principals GMs and F&I Directors aligning UAFs value to their front-end and back-end profit goals.
Lead product demonstrations and discovery discussions that uncover dealer pain points funding delays approval gaps and margin compression and connect them to UAFs unique value.
Collaborate with your downstream partners to ensure a seamless transition from signed dealer to active funded partner.
Consistently exceed monthly and quarterly growth targets by maintaining a strong consultative pipeline.
Identify expansion opportunities within existing dealer groups championing UAF across rooftops and brands.

Minimum Qualifications

5 years of full-cycle sales experience with a leading auto dealership technology provider lender or B2B SaaS platform
Proven ability to meet and exceed aggressive rooftop and adoption targets
Strong understanding of dealership operations particularly F&I credit decisioning and funding workflows
Experience selling both in-person and remotely to executive-level dealership stakeholders (Dealer Principal GM GSM F&I Director)
Exceptional communication discovery and presentation skills - able to simplify complex ideas for diverse audiences
This person must be based in California

Preferred Qualifications

Demonstrated success working cross-functionally with Dealer Success Implementation and Product teams to ensure dealer satisfaction and performance post-launch
Experience leveraging AI or data-driven technology solutions to improve business outcomes in the automotive or fintech space
Skilled at managing extended teams including DSM/DRMs and support teams to ensure a consistent dealer experience
A consultative selling style with strong discovery instincts the ability to identify quantifiable pain and a track record of turning insights into action

Position location This role is available in the following locations: California

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 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-Associate

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 locationwith 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

$93700$129800 USD

What youll love

At Upstart our benefits are designed to support your health financial well-being family and personal growth. Heres what you can expect:

Competitive compensation including base pay bonus opportunities and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical dental and vision coverage with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits including company-paid Basic Life AD&D and Short- and Long-Term Disability coverage with options to purchase supplemental coverage
Paid time off sick and safe time and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo supporting fertility parenthood and caregiving
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
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 and onsites all-company updates and employee resource groups (ERGs)
Onsite perks including catered lunches and fully stocked micro-kitchens when working from one of our four offices located in the Bay Area Austin Columbus and New York City (opening Summer 2026!).

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

Experience:

About UpstartAt Upstart were 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.A...