Joe Pak is the Director of Capital Markets - Auto at Upstart, a position they have held since 2025. From 2024 to 2025, Joe served as the Senior Director of Capital Markets at Mosaic, focusing on term ABS and whole loan sales. Prior experience includes various managerial roles in capital markets and treasury at Santander Consumer USA from 2015 to 2017, and earlier positions at Ford Motor Company, where Joe contributed to financial analysis and securitization. Joe holds an MBA in Finance and Corporate Accounting from the University of Rochester - Simon Business School and is pursuing a Bachelor's degree in Applied Mathematics at Florida International University.
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