Affidavit Support Specialist

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 centralized Affidavit Support function is a sub team within the Recovery Operations department. The Affidavit Support Specialist prepares, reviews, notarizes, and otherwise processes affidavits in accordance with contractual obligations and state regulations. Accurate, timely affidavit execution enables our debt buyers and legal partners to pursue recoveries, strengthens those partnerships, and helps protect debt sale pricing and the long-term value of Upstart’s charged-off portfolio. This role requires high attention to detail, keen judgment when analyzing and reviewing documents, and an analytical mindset. This role reports to the Operations Manager, Recovery. 

• Analyze requests for affidavits from third parties, prepare affidavits, ensure accuracy of information contained in systems and affidavits, and ultimately submit affidavits in accordance with procedures, contractual obligations, and state regulations.
• Review work product generated by peers for completeness and accuracy.
• Notarize affidavits and related documents.
• Ensure the accuracy of information in Upstart systems and records.
• Research and resolve discrepancies across multiple systems and data sources, exercise judgment on whether an affidavit can be accurately executed, and escalate issues with a clear summary of findings and risk.
• Partner with debt buyers, legal partners, and internal Legal and Recovery Operations teams to clarify affidavit requests and resolve documentation issues.
• Use approved GenAI tools to accelerate research, summarize documentation, and surface potential inconsistencies, validating outputs against authoritative systems, source documents, and contractual requirements rather than treating AI as the source of truth.
• Identify process improvements and recurring issues, share knowledge with peers, and support broader Recovery initiatives as opportunities arise.

• 1+ year of experience in financial services operations, debt buying, collections, or a legal collections environment.
• 1+ year of experience conducting research or investigations involving financial accounts, records, or documentation.
• Experience reviewing information across multiple systems or source documents to identify and resolve discrepancies.
• Experience preparing, reviewing, or processing documentation subject to established procedures, contractual requirements, or regulatory requirements.
• Ability to obtain an Ohio Notary Commission within 60 days of starting the role and successfully complete the required examination within two attempts.

• Experience supporting collections, recovery, debt sale, or legal operations.
• Knowledge of affidavit, legal-document, or notarization workflows.
• Ability to communicate research findings and documentation issues effectively with internal and external partners.
• Experience with Salesforce, Looker, or secure file-transfer workflows

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

https://www.upstart.com/candidate_privacy_policy