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.

How you’ll make an impact

• 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