# Upstart Holdings, Inc. > Alpha governed public record. Unknown, unavailable, and unpublished values are never inferred as zero. ## Record | Field | Value | | --- | --- | | Representation | alpha-profile-markdown-v4 | | Protocol | Alpha Governance Facts Protocol 0.1 | | Schema | alpha.governance.entity.public.v1 | | Record version | public-1:d751713988987e9331980363e24189ce:ro-d751713988987e9331980363e24189ce | | Governance record representation | alpha-governance-record-v2 | | Canonical entity | alpha:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee | | Entity type | Company | | Canonical URL | https://registry.alpha.ac/companies/upstart-holdings-inc | | Publication | PUBLISHED | | Verification | source_reported | | Verification schema | alpha-verification-states-v1 | | Ownership | unclaimed | | Published claims | 18 | | Claims under review | 1 | | Evidence records | 3 | | Conflicts | 0 | | Conflicts in internal review | 0 | | Observed | 2026-10-16T13:52:13.947744+00:00 | | Last reviewed | 2026-10-16T13:52:13.947744+00:00 | ## Identity - Legal name: Upstart Holdings, Inc. - Display name: Upstart Holdings, Inc. ## Alpha Governance Record | Field | Value | | --- | --- | | Governance Record schema | alpha-governance-record-v2 | | Ontology | alpha-governance-ontology-v1 | | Record version | public-1:d751713988987e9331980363e24189ce:ro-d751713988987e9331980363e24189ce | | As of | 2026-10-16T20:25:41.520765+00:00 | | Completeness | 0.409 | | Record Quality | 0.832 | | Directors | 9 | | Committees | 1 | | Governance events | 8 | | Entity class | public_company | ## Section coverage | Section | State | | --- | --- | | identity | PUBLISHED | | corporate_structure | NOT_REVIEWED | | board | PUBLISHED | | committees | PUBLISHED | | leadership | PUBLISHED | | ownership | NOT_REVIEWED | | financials | NOT_REVIEWED | | capital_structure | PUBLISHED | | compensation | NOT_REVIEWED | | governance | NOT_REVIEWED | | shareholder_governance | NOT_REVIEWED | | audit | NOT_REVIEWED | | legal | NOT_REVIEWED | | risk | NOT_REVIEWED | | cyber | NOT_REVIEWED | | ai_governance | NOT_REVIEWED | | agent_governance | RESTRICTED | | markets_external | NOT_REVIEWED | | events | PUBLISHED | | relationships | PUBLISHED | | assessments | PUBLISHED | | evidence | PUBLISHED | ## Board - Ciaran O’Kelly: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2018-01-01. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:6 - Hilliard Terry, III: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2019-01-01. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:7 - Jeff Huber: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2021-01-01. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:8 - Kerry Cooper: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2021-01-01. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:9 - Mary Hentges: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2019-01-01. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:10 - Paul Gu: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2026-04-16. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:11 - Peter Bernard: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2025-01-01. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:12 - Sanjay Datta: Director. Status: current. Independent: NOT_PUBLISHED. Since: 2026-04-16. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:13 - Dave Girouard: Chief Executive Officer, Chairperson of the Board. Status: unknown. Independent: false. Since: NOT_PUBLISHED. Committees: Chairperson of the Board (member). claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:5 ## Committees - Chairperson of the Board (other). Chair: NOT_PUBLISHED. Members: Dave Girouard (member, unknown). committee_id=alpha:committee:upstart-holdings-inc:chairperson-of-the-board ## Executive leadership - Andrea Blankmeyer: Chief Financial Officer [CFO]. Status: unknown. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:14 - Dave Girouard: Chief Executive Officer [CEO]. Status: unknown. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:15 - Paul Gu: Chief Technology Officer [CTO]. Status: unknown. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:16 - Sanjay Datta: President, Capital & Enterprise [PRESIDENT]. Status: unknown. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:17 - Scott Darling: Chief Legal Officer and Corporate Secretary [GC]. Status: unknown. claim_id=alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:18 ## Governance events - DIRECTOR_APPOINTED: Paul Gu seat on Upstart Holdings, Inc., effective 2026-04-16. Effective: 2026-04-16. Detected: 2026-10-16T13:52:13.947744+00:00. event_id=alpha:event:transition:1jqfus8cefq7y - DIRECTOR_APPOINTED: Sanjay Datta seat on Upstart Holdings, Inc., effective 2026-04-16. Effective: 2026-04-16. Detected: 2026-10-16T13:52:13.947744+00:00. event_id=alpha:event:transition:1wl22cgw5yvbk - DIRECTOR_APPOINTED: Peter Bernard seat on Upstart Holdings, Inc., effective 2025-01-01. Effective: 2025-01-01. Detected: 2026-10-16T13:52:13.947744+00:00. event_id=alpha:event:transition:1ke68fr1d60bjp - DIRECTOR_APPOINTED: Jeff Huber seat on Upstart Holdings, Inc., effective 2021-01-01. Effective: 2021-01-01. Detected: 2026-10-16T13:52:13.947744+00:00. event_id=alpha:event:transition:1buq22y3uk0vq - DIRECTOR_APPOINTED: Kerry Cooper seat on Upstart Holdings, Inc., effective 2021-01-01. Effective: 2021-01-01. Detected: 2026-10-16T13:52:13.947744+00:00. event_id=alpha:event:transition:ujq5ux760nmz - DIRECTOR_APPOINTED: Hilliard Terry, III seat on Upstart Holdings, Inc., effective 2019-01-01. Effective: 2019-01-01. Detected: 2026-10-16T13:52:13.947744+00:00. event_id=alpha:event:transition:k75hsw724wku - DIRECTOR_APPOINTED: Mary Hentges seat on Upstart Holdings, Inc., effective 2019-01-01. Effective: 2019-01-01. Detected: 2026-10-16T13:52:13.947744+00:00. event_id=alpha:event:transition:1yl3us41hcrgqs - DIRECTOR_APPOINTED: Ciaran O’Kelly seat on Upstart Holdings, Inc., effective 2018-01-01. Effective: 2018-01-01. Detected: 2026-10-16T13:52:13.947744+00:00. event_id=alpha:event:transition:1d024rcr3sbq ## Scoped resources - `alpha://company/upstart-holdings-inc` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record - `alpha://company/upstart-holdings-inc/identity` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=identity - `alpha://company/upstart-holdings-inc/corporate-structure` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=corporate-structure - `alpha://company/upstart-holdings-inc/board` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=board - `alpha://company/upstart-holdings-inc/committees` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=committees - `alpha://company/upstart-holdings-inc/leadership` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=leadership - `alpha://company/upstart-holdings-inc/ownership` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=ownership - `alpha://company/upstart-holdings-inc/financials` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=financials - `alpha://company/upstart-holdings-inc/capital-structure` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=capital-structure - `alpha://company/upstart-holdings-inc/compensation` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=compensation - `alpha://company/upstart-holdings-inc/governance` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=governance - `alpha://company/upstart-holdings-inc/shareholder-governance` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=shareholder-governance - `alpha://company/upstart-holdings-inc/audit` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=audit - `alpha://company/upstart-holdings-inc/legal` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=legal - `alpha://company/upstart-holdings-inc/risk` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=risk - `alpha://company/upstart-holdings-inc/cyber` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=cyber - `alpha://company/upstart-holdings-inc/ai-governance` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=ai-governance - `alpha://company/upstart-holdings-inc/agents` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=agents - `alpha://company/upstart-holdings-inc/ecosystem` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=ecosystem - `alpha://company/upstart-holdings-inc/events` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=events - `alpha://company/upstart-holdings-inc/relationships` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=relationships - `alpha://company/upstart-holdings-inc/assessments` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=assessments - `alpha://company/upstart-holdings-inc/evidence` (contract): https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record§ion=evidence ## Role modules - NOT_ASSERTED ## Attention - NO_RECORDS_FOUND ## Committee data - NO_RECORDS_FOUND ## Leadership - Dave Girouard: Chief Executive Officer, Chairperson of the Board. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:5. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:bd52a267fc4568b66bd9cb48f87738cc977785f5f4e78261eb523fcb30dce3c7. - Ciaran O’Kelly: Director. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:6. Valid from: 2018-01-01. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06. - Hilliard Terry, III: Director. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:7. Valid from: 2019-01-01. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06. - Jeff Huber: Director. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:8. Valid from: 2021-01-01. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06. - Kerry Cooper: Director. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:9. Valid from: 2021-01-01. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06. - Mary Hentges: Director. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:10. Valid from: 2019-01-01. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06. - Paul Gu: Director. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:11. Valid from: 2026-04-16. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06. - Peter Bernard: Director. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:12. Valid from: 2025-01-01. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06. - Sanjay Datta: Director. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:13. Valid from: 2026-04-16. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06. - Andrea Blankmeyer: Chief Financial Officer. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:14. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:bd52a267fc4568b66bd9cb48f87738cc977785f5f4e78261eb523fcb30dce3c7. - Dave Girouard: Chief Executive Officer. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:15. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:bd52a267fc4568b66bd9cb48f87738cc977785f5f4e78261eb523fcb30dce3c7. - Paul Gu: Chief Technology Officer. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:16. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:bd52a267fc4568b66bd9cb48f87738cc977785f5f4e78261eb523fcb30dce3c7. - Sanjay Datta: President, Capital & Enterprise. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:17. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:bd52a267fc4568b66bd9cb48f87738cc977785f5f4e78261eb523fcb30dce3c7. - Scott Darling: Chief Legal Officer and Corporate Secretary. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:leadership_role:18. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:bd52a267fc4568b66bd9cb48f87738cc977785f5f4e78261eb523fcb30dce3c7. ## Roles - PUBLISHED ## Governance - NOT_ASSERTED ## Board committees - PUBLISHED ## Financials - NOT_ASSERTED ## Workforce - NOT_ASSERTED ## Market and index context - PUBLISHED ## Legal Name - Upstart Holdings, Inc.. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:legal_name:1. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:e967a38c62751dffb972cfba442d278eab6ca393adfa968e89f8f8f2a3be6726. ## Entity Status - Public listing published. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:entity_status:3. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:e967a38c62751dffb972cfba442d278eab6ca393adfa968e89f8f8f2a3be6726. ## Published Fact - US. Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:published_fact:4. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:e967a38c62751dffb972cfba442d278eab6ca393adfa968e89f8f8f2a3be6726. ## Security Listing - UPST (NASDAQ). Claim: alpha:claim:company:31fae205-2d43-462e-98c3-2c0ecb4a33ee:security_listing:19. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:e967a38c62751dffb972cfba442d278eab6ca393adfa968e89f8f8f2a3be6726. ## Coverage states | Field | Value | | --- | --- | | Identity | PUBLISHED | | Business | PUBLISHED | | Leadership | PUBLISHED | | Board and committees | PUBLISHED | | Governance | NOT_ASSERTED | | Financials | NOT_ASSERTED | | Workforce | NOT_ASSERTED | | Ownership | NOT_ASSERTED | | Ratings | NOT_PUBLISHED | | Market and index context | PUBLISHED | ## Public sources - alpha:projection-evidence:e967a38c62751dffb972cfba442d278eab6ca393adfa968e89f8f8f2a3be6726: [Alpha canonical company public projection](https://www.alpha.ac/api/public/companies/upstart-holdings-inc). - alpha:projection-evidence:document:bd52a267fc4568b66bd9cb48f87738cc977785f5f4e78261eb523fcb30dce3c7: [SEC DEF 14A 0001193125-26-158972](https://www.sec.gov/Archives/edgar/data/1647639/000119312526158972/d177155ddef14a.htm). - alpha:projection-evidence:document:601339d9a23c53a56ce626afb78d6130b080d0a6a2226a23a49f2856b362cb06: [DEF 14A d177155ddef14a.htm](https://www.sec.gov/Archives/edgar/data/1647639/000119312526158972/d177155ddef14a.htm). ## Rights | Field | Value | | --- | --- | | public_retrieval | allowed | | agent_retrieval | allowed | | redistribution | not_granted | | model_training | not_granted | | commercial_use | not_specified | | relationship_pathfinding | not_granted | | direct_contact | not_granted | ## Limitations - Absence of a leadership role, committee, or disclosure is not evidence that it does not exist. - Only explicitly published canonical company identity and current confirmed public roles are included. - Absence of a board, committee, executive, listing, or claim is not evidence that it does not exist. - Public retrieval does not grant redistribution, model-training, direct-contact, or relationship-pathfinding rights. - This Company Profile is an identity and evidence record, not an Alpha rating. ## Alternate representations - [Canonical profile](https://registry.alpha.ac/companies/upstart-holdings-inc) - [Public Markdown](https://registry.alpha.ac/companies/upstart-holdings-inc.md) - [Public JSON](https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=record) - [JSON-LD](https://registry.alpha.ac/api/public/companies/upstart-holdings-inc?format=jsonld) - MCP resource: `alpha://companies/upstart-holdings-inc` at https://mcp.alpha.ac/mcp ## Connected governance records Only explicitly published, rights-cleared records. Missing records do not establish absence, safety, or complete coverage. ## Critical-risk oversight Snapshot as of 2026-10-16T20:25:41.298468+00:00; recorded 2026-10-16T20:25:41.298468+00:00. Every published assignment for this snapshot is listed. Only explicitly reviewed, rights-cleared assignments in effect on the as-of date, in the company's own wording. An assignment shows where oversight is placed, not whether it is effective. Missing records do not establish absence.