Upstart

Faced with declining member growth, how can credit unions shift from being America’s "best kept secret” to positioning themselves for long-term success? Michael Lock, SVP of Lending Partnerships at Upstart, sat down with Credit Union Times’ Editor-in-Chief Michael Ogden to talk about AI-driven lending models, super-prime member growth and how credit unions can ultimately become the primary financial institution for new members. Check out the full article here: https://lnkd.in/eXRnNUqs

Faced with declining member growth, how can credit unions shift from being America’s "best kept secret” to positioning themselves for long-term success? Michael Lock, SVP of Lending Partnerships at Upstart, sat down with Credit Union Times’ Editor-in-Chief Michael Ogden to talk about AI-driven lending models, super-prime member growth and how credit unions can ultimately become the primary financial institution for new members. Check out the full article here: https://lnkd.in/eXRnNUqs

AFSA’s first influential industry leader for Women’s History Month is Alicia Dagosta, Vice President, Product & Regulatory Legal at Upstart. Read here to learn more about Alicia: https://lnkd.in/ePzeHWNk

Powerful women empower Upstart. 💜 This #InternationalWomensDay, we're celebrating the incredible women who drive innovation, leadership, and impact across our teams—today and every day.

For credit unions, one challenge looms large: balancing loan growth with limited liquidity. It’s a tough equation that requires strategic thinking, strong partnerships and a deep understanding of member needs. Michelle Goeppner, VP of Consumer Lending and Product Strategy at Vantage West Credit Union, joined us to unpack this challenge. Drop in to hear Michelle’s take on growing prime members, innovative ways to promote growth and navigating today’s lending landscape. 

Auto loan refinancing just got way easier. With Upstart’s latest automation, refi applicants can now complete the process without uploading a single document or waiting on human intervention – all in one seamless session. Read more in this Auto Finance News piece 👇

To all those celebrating around the world, we wish you a joyous and peaceful Ramadan. 🌙 🕋

Upstart is building the foundation model for credit. Nobody else is even trying. 🤫

Looking to boost HELOC lead conversion? Join Irfan (Ivan) Ahmed (Experian) & Michael Lock (Upstart) as they share strategies for success at #CBALive2025!

More data. More accuracy. More impact. 📈 Our latest underwriting model introduces Payment Transition Modeling—a smarter way to analyze loan payment trends—and Trade Account Embeddings, which capture hidden patterns in credit behavior. The result? An 88% increase in model complexity and a major step forward in Upstart’s AI-driven underwriting. Learn how these innovations are shaping the future of lending: https://lnkd.in/gjDTwPas