Green Card Risk Manager Jobs
Risk Manager roles qualify for EB-2 and EB-3 green card sponsorship through PERM labor certification, which requires your employer to document that no qualified U.S. worker is available for the position. Financial services, insurance, and corporate treasury functions regularly sponsor foreign professionals in this role, making it a strong candidate for employment-based permanent residency.
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Get Access To All JobsAbout 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's Responsible AI Lending team is responsible for ensuring the safety and soundness of underwriting across Upstart Bank's lending portfolio. The team monitors portfolio performance, evaluates emerging risks, and establishes governance frameworks that support responsible growth while meeting regulatory expectations.
As the Credit Risk Oversight Manager at Upstart, you will serve as the primary owner of 2LOD Credit Risk oversight monitoring and policies. You will be responsible for establishing the capability and leading credit portfolio monitoring and risk oversight across consumer lending products. You will build the frameworks, dashboards, and processes that enable leadership, committees, and the board to understand portfolio performance, identify emerging risks both internal and external, and make informed decisions while supporting continued innovation of AI-driven underwriting.
How you’ll make an impact
- Develop and maintain credit risk monitoring frameworks that assess portfolio performance relative to business plans, policy limits, and stress scenarios.
- Establish key risk indicators, thresholds, and early warning signals that identify emerging credit risks across evolving underwriting models and changing economic conditions.
- Provide credible challenge to 1LOD model development, treasury, credit strategy, and product leaders by using portfolio insights to assess whether performance remains aligned with risk appetite, policy expectations, and business plans.
- Partner with Machine Learning, Product, Risk, and Bank leadership teams to evaluate portfolio performance and recommend actions when risk metrics deviate from expectations.
- Partner with peers in Model Risk Management and Fair Lending on second line teams.
- Prepare and present portfolio risk analyses, monitoring results, and recommendations to senior leadership, governance committees, and other stakeholders.
- Design and implement governance processes, reporting routines, and operating mechanisms that support regulatory expectations and effective risk oversight.
- Provide independent challenge and oversight of credit policies, underwriting performance, and risk management practices while balancing innovation and prudent risk management.
Minimum Qualifications
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, or a related quantitative field (or equivalent practical experience).
- 7+ years of experience in consumer credit risk management, portfolio analytics, or credit risk oversight.
- Experience analyzing credit performance across the consumer lending lifecycle, including acquisition, underwriting, portfolio management, and repayment outcomes.
- Experience using data analysis tools such as SQL, Python, R, or similar analytical platforms to evaluate portfolio performance and risk trends.
- Experience communicating quantitative analyses and risk assessments to senior business leaders through written reports and presentations.
Preferred Qualifications
- 10+ years experience in consumer credit risk management across multiple asset categories.
- Knowledge of machine learning concepts and their application within consumer lending or credit underwriting environments.
- Experience developing credit risk monitoring frameworks, risk appetite metrics, or portfolio governance processes.
- Knowledge of banking regulatory requirements and supervisory expectations related to consumer credit risk management.
- Experience conducting portfolio stress testing, scenario analysis, or sensitivity analysis.
- Ability to influence cross-functional stakeholders and build alignment across risk, product, analytics, and executive leadership teams.
Position location: Remote (United States)
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 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.
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
$145,300—$231,300 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.
- 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 (opening Summer 2026!).
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.
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's Responsible AI Lending team is responsible for ensuring the safety and soundness of underwriting across Upstart Bank's lending portfolio. The team monitors portfolio performance, evaluates emerging risks, and establishes governance frameworks that support responsible growth while meeting regulatory expectations.
As the Credit Risk Oversight Manager at Upstart, you will serve as the primary owner of 2LOD Credit Risk oversight monitoring and policies. You will be responsible for establishing the capability and leading credit portfolio monitoring and risk oversight across consumer lending products. You will build the frameworks, dashboards, and processes that enable leadership, committees, and the board to understand portfolio performance, identify emerging risks both internal and external, and make informed decisions while supporting continued innovation of AI-driven underwriting.
How you’ll make an impact
- Develop and maintain credit risk monitoring frameworks that assess portfolio performance relative to business plans, policy limits, and stress scenarios.
- Establish key risk indicators, thresholds, and early warning signals that identify emerging credit risks across evolving underwriting models and changing economic conditions.
- Provide credible challenge to 1LOD model development, treasury, credit strategy, and product leaders by using portfolio insights to assess whether performance remains aligned with risk appetite, policy expectations, and business plans.
- Partner with Machine Learning, Product, Risk, and Bank leadership teams to evaluate portfolio performance and recommend actions when risk metrics deviate from expectations.
- Partner with peers in Model Risk Management and Fair Lending on second line teams.
- Prepare and present portfolio risk analyses, monitoring results, and recommendations to senior leadership, governance committees, and other stakeholders.
- Design and implement governance processes, reporting routines, and operating mechanisms that support regulatory expectations and effective risk oversight.
- Provide independent challenge and oversight of credit policies, underwriting performance, and risk management practices while balancing innovation and prudent risk management.
Minimum Qualifications
- Bachelor's degree in Finance, Economics, Statistics, Mathematics, Business, or a related quantitative field (or equivalent practical experience).
- 7+ years of experience in consumer credit risk management, portfolio analytics, or credit risk oversight.
- Experience analyzing credit performance across the consumer lending lifecycle, including acquisition, underwriting, portfolio management, and repayment outcomes.
- Experience using data analysis tools such as SQL, Python, R, or similar analytical platforms to evaluate portfolio performance and risk trends.
- Experience communicating quantitative analyses and risk assessments to senior business leaders through written reports and presentations.
Preferred Qualifications
- 10+ years experience in consumer credit risk management across multiple asset categories.
- Knowledge of machine learning concepts and their application within consumer lending or credit underwriting environments.
- Experience developing credit risk monitoring frameworks, risk appetite metrics, or portfolio governance processes.
- Knowledge of banking regulatory requirements and supervisory expectations related to consumer credit risk management.
- Experience conducting portfolio stress testing, scenario analysis, or sensitivity analysis.
- Ability to influence cross-functional stakeholders and build alignment across risk, product, analytics, and executive leadership teams.
Position location: Remote (United States)
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 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.
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
$145,300—$231,300 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.
- 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 (opening Summer 2026!).
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.
See all 3,119+ Green Card Risk Manager Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Green Card Risk Manager Jobs.
Get Access To All JobsTips for Finding Green Card Sponsorship as a Risk Manager
Document your credentials before applying
Gather transcripts, professional certifications like FRM or CFA, and employment verification letters now. PERM requires detailed documentation of your qualifications, and gaps discovered mid-process can delay your priority date by months.
Target industries with active PERM filings
Financial services, insurance carriers, and large corporate treasury departments file PERM applications for Risk Managers far more frequently than smaller firms. Filter your job search to employers in regulated industries that already run compliance-heavy hiring processes.
Use Migrate Mate to find sponsoring employers
Search Migrate Mate to identify employers with a demonstrated history of green card sponsorship for risk and compliance roles. Targeting companies that have completed PERM filings before cuts your timeline risk compared to asking an employer to start from scratch.
Understand how your job duties affect PERM eligibility
PERM requires the employer to define a minimum job requirement that mirrors your actual duties. If your role blends enterprise risk with quantitative modeling, make sure the job description reflects the specific degree field DOL will use to classify the position.
Ask about EB-2 versus EB-3 classification early
Risk Manager roles frequently qualify under both categories depending on how your employer frames the position. EB-2 applies if the role genuinely requires a master's degree or equivalent; EB-3 covers bachelor's-level professionals and may move faster for certain nationalities.
Verify the prevailing wage before negotiating your offer
Your employer must pay at least the DOL prevailing wage for your location and job classification throughout the PERM process. Check the OFLC Wage Search before accepting an offer to confirm your negotiated salary meets or exceeds the required wage level for your metro area.
Green Card Risk Manager: Frequently Asked Questions
Does a Risk Manager role qualify for EB-2 or EB-3 green card sponsorship?
Risk Manager positions can qualify under either EB-2 or EB-3 depending on how the employer defines the minimum requirements. EB-2 applies when the role genuinely requires a master's degree or equivalent advanced credentials. EB-3 covers roles requiring a bachelor's degree, which is the more common minimum for risk management positions. Your employer's legal team will advise which classification fits the actual job duties and your background.
How does green card sponsorship differ from H-1B sponsorship for Risk Managers?
H-1B visa provides temporary authorization tied to a specific employer and subject to the annual lottery. Green card sponsorship through PERM leads to permanent residency with no annual cap concerns at the EB-3 level for most countries outside India and China. The PERM process is longer, typically 18 to 36 months from filing through adjustment of status, but the outcome is permanent status rather than repeated renewals.
What does the PERM labor certification process require from a Risk Manager candidate?
PERM requires your employer to conduct a supervised recruitment process showing no minimally qualified U.S. worker applied for the role. You'll need to provide transcripts, employment history, and documentation matching the job's minimum requirements exactly. USCIS then reviews the I-140 immigrant petition once DOL certifies the labor condition. Any discrepancy between your credentials and the certified job description can trigger a denial.
Where can I find Risk Manager jobs that already sponsor green cards?
Migrate Mate surfaces employer-specific green card sponsorship history so you can focus your search on companies that have already run PERM filings for risk and compliance roles. Targeting employers with a proven sponsorship track record reduces the risk of spending months in a hiring process only to find the employer won't support a permanent residency petition.
Can a Risk Manager self-petition for a green card without employer sponsorship?
Self-petition through EB-1A extraordinary ability is theoretically available but requires evidence of national or international acclaim that most risk management professionals cannot demonstrate. The National Interest Waiver under EB-2 is another self-petition route but generally favors researchers and scientists. For most Risk Manager candidates, employer-sponsored PERM through EB-2 or EB-3 remains the practical path to permanent residency.