Account Executive, Auto Retail

AI overview

Drive impactful AI lending solutions to dealerships, enhancing approval rates and profitability while collaborating across teams for seamless implementations.

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.

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 profitability. Think of it as the best of:

  • Apple’s elegant customer experience
  • Amazon’s frictionless operations
  • Upstart’s industry-leading AI lending platform, all working together to modernize the auto finance process

We’re expanding our reach in the retail and finance ecosystem, bringing Upstart’s 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 didn’t think were possible.

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

You’ll 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.

You’ll 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 you’ll 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 UAF’s 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 UAF’s 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 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
$93,700$129,800 USD

What you'll love

At Upstart, our benefits 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
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 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 [email protected]

https://www.upstart.com/candidate_privacy_policy

Perks & Benefits Extracted with AI

  • Health Insurance: Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose.
  • Learning Budget: Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
  • Team connection activities: Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
  • Paid Parental Leave: Paid family and parental leave to support caregiving and major life moments
  • Paid Time Off: Paid time off, sick and safe time, and company holidays
  • Wellness Stipend: Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you.

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$93,700 – $129,800 per year
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