The Team: 

Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale.

As Senior Manager, Software Engineering for Upstart Bank, you will lead one or more engineering teams responsible for a critical area of the bank platform. You will translate product, regulatory, and operational priorities into technical plans and reliable execution across systems spanning areas such as payments, funding, reporting, or integrations. You will partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and senior engineering leaders to deliver scalable, reliable, and audit-ready infrastructure for a modern banking platform.

This is a rare opportunity to help build a modern bank platform from an early foundation rather than inherit a legacy core.

How you’ll make an impact

• Lead and grow one or more engineering teams responsible for a critical area of the Upstart Bank platform
• Drive execution across complex, bank-critical systems in areas such as ledgering and funding, deposits and payments, reporting, or integrations
• Partner with Product, Compliance, Legal, Risk, Finance, and Operations to translate business and regulatory needs into technical plans and delivered software
• Contribute to technical direction and architecture for your area, ensuring systems support reliability, resilience, security, traceability, and auditability
• Manage cross-functional dependencies and improve the predictability and quality of delivery across teams
• Build engineering processes that support internal controls, audits, change management, and reliable operation in a regulated environment
• Hire, coach, and develop engineers and emerging engineering leaders
• Foster a culture of rigor, ownership, accountability, and continuous improvement

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience
• 8+ years of engineering experience, including 3+ years of engineering management experience
• Experience leading engineering teams through complex, cross-functional platform or infrastructure initiatives
• Strong technical background with experience contributing to architecture and technical direction for distributed systems, cloud platforms, or business-critical infrastructure
• Experience operating in regulated, high-control, or high-reliability environments where quality, controls, auditability, and change management are critical

Preferred Qualifications

• Experience building or integrating core financial infrastructure such as ledgering, payments, deposits, funding systems, reporting, or financial integrations
• Experience in banking, fintech, payments, lending, or other regulated financial systems
• Experience building platforms that support internal controls, audits, and reliable operation in regulated environments
• Experience leading platform modernization, core-system launches, vendor integrations, or major infrastructure transformations
• Experience developing senior engineers, tech leads, or emerging engineering leaders
• Demonstrated ability to balance speed, quality, reliability, and compliance in high-stakes technical environments
• Interest in improving access to credit through technology and scalable financial infrastructure

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE
#LI-MidSenior 

The Role

As a Senior Mobile Software Engineer on Upstart’s Cash Line team, you’ll build mobile experiences for a new consumer credit product that gives customers always-on access to a reusable line of credit they can draw from, repay, and use again in real time. You’ll use React Native to ship high-quality features that directly shape how customers discover, access, and manage Cash Line in the mobile app.

This is a hands-on role for an engineer who wants to own end-to-end feature delivery, make strong technical decisions, and help define the mobile experience for a foundational new business line at Upstart. You’ll work closely with product, design, backend, and cross-functional partners to build thoughtful, reliable experiences in a space where speed, correctness, and customer trust all matter.

The Team

The Cash Line team is building one of Upstart’s newest consumer products: a revolving credit experience designed to create a more durable, recurring relationship with customers beyond a one-time loan. As part of that work, the team is shaping the mobile experience for a product with broad visibility across the customer journey, from application and approval through ongoing account access and reuse.

We’re a fast-moving, highly cross-functional team working at the intersection of consumer product, real-time systems, and financial infrastructure. Our engineers partner closely with teams across product, growth, finance, compliance, and capital markets, and we value people who can combine strong product instincts with pragmatic execution in an ambiguous, high-impact environment.

What You’ll Do

• Build and ship user-facing mobile features for Cash Line in React Native across iOS and Android as the product expands.

• Design mobile components and systems that are scalable, maintainable, and reliable for a product that operates in real time and directly affects customers’ access to credit.

• Partner closely with product, design, and backend engineers to scope, build, and launch experiences that balance customer needs, business goals, and technical quality.

• Help define the mobile experience for a foundational new business line, contributing both to near-term feature delivery and longer-term platform direction.

• Improve mobile developer velocity and product quality through better tooling, testing approaches, release practices, observability, and performance monitoring.

• Work with backend partners to shape APIs and integration patterns that create smooth, resilient client-server experiences.

• Identify and resolve performance, usability, and reliability issues in the mobile product, with a strong focus on long-term maintainability.

• Contribute to engineering quality through code review, system design discussions, technical planning, and mentorship across the team.

We’re Excited About You Because You…

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• Have experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android).
• Understand mobile performance, memory management, and platform-specific constraints.
• Communicate effectively with cross-functional partners in product, design, and backend engineering.
• Take ownership of your work and are comfortable delivering complex features from planning through release.
• Balance speed and quality, and advocate for maintainable, scalable engineering solutions.
• Contribute to team culture and engineering practices through feedback, mentoring, and collaboration.
• Embrace a growth mindset and enjoy learning from others while helping teammates grow.

Bonus Points If You…

• Have helped launch or scale a React Native app on the Android platform.
• Are comfortable working with TypeScript or custom native modules.
• Have experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks.
• Have worked in a fast-paced product company where mobile was a primary user touchpoint.
• Have contributed to internal tools, processes, or systems that improved mobile developer velocity or code quality.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

#LI-REMOTE

#LI-MidSenior

The Team: 

Upstart’s Growth Marketing team drives scalable, data-informed customer acquisition and engagement across our lending products. The team focuses on connecting consumers to credit through thoughtful, well-timed interactions across channels.

As the Senior Lifecycle Marketing Manager (Emerging Products) at Upstart, you will own and scale lifecycle marketing for new and growing products, including Cash Line, Upstart’s new, always-on line of credit product. You will design and optimize end-to-end customer journeys—from cross-sell and activation through retention, re-engagement, and winback—within a mobile-first experience. You may also be called on to support additional emerging products as they launch and scale.

How you’ll make an impact

• Own lifecycle strategy and execution across the full customer journey, including cross-sell, activation, retention, re-engagement, and churn winback
• Drive growth for Cash Line through mobile-first lifecycle programs, leveraging push notifications, in-app messaging, email, and SMS
• Design and optimize multi-channel journeys that improve key metrics such as conversion, engagement, retention, and revenue
• Define detailed campaign requirements, including audience segmentation, trigger logic, and channel orchestration, in partnership with Product and Engineering
• Build and execute a hypothesis-driven experimentation roadmap across lifecycle stages, and translate results into actionable insights
• Analyze performance across campaigns and lifecycle stages, and communicate results through regular reporting (weekly, monthly, quarterly) with clear insights and next-step recommendations
• Partner cross-functionally with Product, Analytics, Engineering, and Creative to improve the end-to-end customer experience
• Develop and maintain reporting frameworks and dashboards to measure lifecycle performance and inform prioritization
• Support lifecycle strategy and execution for additional emerging products as they are introduced

Minimum Qualifications 

• Bachelor’s degree in Marketing, Business, Analytics, or a related field (or equivalent practical experience)
• 4+ years of experience in lifecycle marketing, CRM, or retention marketing roles
• Hands-on experience building and executing lifecycle campaigns using a marketing automation platform (e.g., Iterable, Braze, Salesforce Marketing Cloud)
• Experience designing and analyzing A/B or multivariate tests, including defining success metrics and interpreting results
• Proficiency in data analysis using spreadsheet tools (e.g., Excel or Google Sheets) and familiarity with BI tools (e.g., Looker, Model

Preferred Qualifications

• Experience managing lifecycle marketing across multiple stages of the customer journey (e.g., acquisition, activation, retention, winback)
• Experience designing lifecycle strategies for mobile app experiences, including push notifications and in-app messaging
• Knowledge of customer data platforms (CDPs) and event-driven marketing systems, we use Hightouch
• Ability to translate complex datasets into clear insights that inform marketing strategy
• Experience working cross-functionally with Product, Engineering, and Creative teams on campaign execution

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones. 

This opportunity is a contractor role and is not eligible for Upstart’s employee compensation, equity, bonus, or benefits offerings.

#LI-REMOTE

#LI-MidSenior 

About Prodigy

Prodigy is building the future for car buying. We’re a fun-loving, hard working group of trail blazers who believe anything is possible with the right team.

We recently merged with Upstart (UPST), a leading AI leading platform, and are now better positioned than ever to deliver on our mission to create the world’s best car buying experience with cutting-edge auto-retail software.

More than $1 trillion of cars are sold each year in the U.S., yet it consistently ranks as one of the worst consumer experiences in America.  This is the perfect chance to get in early, help fix that, and make a big impact in one of the world’s largest industries. If that sounds exciting to you, we’d love to chat.

The Team: 

Upstart’s Auto Retail team is focused on building partnerships with auto dealerships to expand access to financing through Upstart Auto Finance (UAF). The team plays a critical role in connecting dealerships with our lending platform, helping drive adoption and revenue growth.

As a Business Development Representative (BDR), you will focus on generating pipeline for the sales team by engaging dealership decision-makers and setting qualified meetings.

This role is highly performance-driven and foundational to the success of the broader sales organization. You’ll work closely with experienced teammates and leadership in a structured environment designed to help you ramp quickly and build strong outbound sales skills.

• Generate qualified pipeline by conducting high-volume outbound outreach (primarily phone, supported by email) to auto dealerships
• Set meetings with key decision-makers, including General Managers, General Sales Managers, and Finance leaders
• Manage a defined territory across dealership tiers and account segments, prioritizing outreach based on opportunity size and account data
• Meet or exceed weekly and monthly pipeline and meeting quotas
• Use tools such as Nooks and Gong to execute outreach, review performance, and improve messaging
• Analyze call performance and incorporate feedback from coaching, call reviews, and role-play exercises to improve conversion rates
• Partner with Account Executives to ensure smooth handoff of qualified opportunities
• Continuously refine pitch delivery and objection handling through practice, shadowing, and feedback

Minimum Qualifications 

• 6+ months of experience in a Business Development Representative (BDR) or Sales Development Representative (SDR) role within a SaaS company
• Experience conducting outbound prospecting activities, including cold calling and email outreach
• Proven track record of meeting or exceeding activity or pipeline generation quotas
• Use tools such as Nooks, Salesforce, Outreach, Sendoso, Zoominfo and Gong to execute outreach, review performance, and improve messaging
• Experience communicating with external business stakeholders via phone and email

Preferred Qualifications

• Strong phone communication skills, including ability to handle objections and guide conversations with prospective customers
• Ability to manage time, prioritize outreach, and maintain consistent activity levels in a quota-driven environment
• Experience learning and applying new tools and processes in a fast-paced sales environment
• Knowledge of the automotive retail industry or experience working with auto dealerships
• Interest in building a career in sales, with motivation to grow into closing roles over time

Position location This role is available in the following locations: Preference of Austin, TX 

Time zone requirements The team operates on the East - West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Entry

The Team

The Growth Analytics team leverages data and insights to drive profitable business growth by supporting the growth vertical in its mission to increase demand, revenue, and customer lifetime value (LTV) at the most efficient cost of acquisition. The team  drives decision analysis, and develops a deep user understanding across several key marketing channels, including Direct Mail, Partnerships, Email, and Digital.

As a Principal Analyst, Growth Marketing at Upstart, you will serve as the lead analytics partner for one of our largest acquisition channels. You will support the digital marketing team supporting work across paid search, paid social, paid video, mobile marketing, and SEO. You will apply advanced analytics and measurement frameworks to equip stakeholders with the insights and data needed to align on and execute strategic initiatives. 

In this role, you will collaborate closely with Growth Marketing, Product, Engineering, and Machine Learning teams to drive deep understanding, actionable insights, and data-informed decision-making. You will also help shape the data infrastructure that supports borrower acquisition and retention across our platform—fueling Upstart’s growth at the highest levels.

How you’ll make an impact:

• Partner cross-functionally with channel owners, product, and engineering leaders to set the growth strategy and analytics roadmap across digital channels and products at Upstart
• Lead the evolution of measurement beyond traditional click-based attribution, incorporating approaches such as marketing mix modeling (MMMs), mobile marketing measurement, and geo-based incrementality testing to develop a more complete view of performance
• Effectively use analytics to understand user behavior, funnel performance, and the impact of growth investments, and make proactive recommendations to improve efficiency and scale
• Design and conduct quantitative analyses and experiments to test hypotheses, helping prioritize the highest-impact opportunities across channels and products
• Collaborate with Analytics Engineering and Engineering to uplevel growth data capabilities, enabling new measurement approaches and accelerating time to insight as the business expands

What we’re looking for: 

• Minimum qualifications:
  • Strong analytical and quantitative background with at least 10+ years professional experience, preferably in marketing, growth or product analytics 
  • Deep expertise in applying analytics and data science techniques  to drive impacts in growth and marketing organizations, such as attribution models, customer lifetime values, ROI frameworks, a/b testing, etc. 
  • Proven track record designing and interpreting incrementality experiments, geo-lift tests, or  MMM-based growth measurement
  • Proficiency in data analysis tools (SQL, Python / R, Looker / Mode / Tableau, etc.)
  • Degree in Analytics, Data Science, Economics, Engineering, Mathematics or other quantitative field
  • Strong communication and analytical storytelling skills, experience deriving actionable insights from analysis, a well-balanced rigorous and creative approach to solving difficult and unstructured problems
    
    
• Preferred qualifications:
  • Experience in technology, marketplace, fintech companies with knowledge of consumer financing
  • Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards to successfully influence and drive C-level decision-making
  • Experience in coaching and mentoring junior team members on technical subjects

Position location - This role is available in the following locations: Remote

Travel requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team

The Machine Learning Platform team builds the foundational technology that scales machine learning innovation across Upstart. As a Principal Machine Learning Engineer, you will work at the intersection of applied ML and platform engineering—collaborating closely with Research Scientists, Data Scientists, and ML Platform Engineers to design tools and systems that accelerate model development to ultimately improve predictive accuracy. Success in this role requires deep knowledge of ML throughout the entire modeling lifecycle - from data preparation to training and deployment to production.

In this role, you will lead engineering initiatives that turn high-impact modeling needs into scalable, reusable infrastructure. This includes building a unified embeddings platform for training, serving, and managing representations at scale; streamlining feature engineering pipelines to reduce manual steps and deliver new signals quickly; developing automated continuous-learning systems that handle data refresh, retraining, evaluation, and drift monitoring with minimal manual effort; and scaling our training pipelines to support larger datasets, more complex architectures, and faster experimentation.

Across all of these efforts, you will work backward from applied ML projects that meaningfully improve accuracy—using those real-world scenarios to harden the platform capabilities that enable ML teams across Upstart to innovate with greater speed, reliability, and impact.

How You’ll Make an Impact

• Scale ML innovation by building tools, infrastructure, and workflows that dramatically improve the speed and reliability of model development.
• Work backward from modeling needs to design systems that directly unlock gains in accuracy, efficiency, and scientific productivity.
• Explore new algorithms and methodologies for our machine learning models and develop tooling to support them
• Improve the entire ML lifecycle—from data readiness and feature development through training, evaluation, serving, and monitoring.
• Automate and standardize operational workflows, enabling scientists to focus on high-leverage modeling and analysis rather than manual pipelines.
• Define the roadmap for our next generation ML Platform, balancing near-term impact with long-term architectural scalability.
• Collaborate cross-functionally with Data Engineering, ML Platform, Pricing, and other teams to build reliable, end-to-end ML systems.

Your work will multiply the effectiveness of every ML team at Upstart—accelerating innovation and advancing our mission to make credit more accurate, accessible, and fair.

This is a high influence role suited for those who enjoy combining science innovation, with cross functional collaboration and advisory. 

Minimum Qualifications

• 7+ years of hands-on experience in applied machine learning, with strong exposure to production-scale modeling efforts.
• Demonstrated expertise in end-to-end model development: data prep, feature engineering, training, evaluation, and deployment.
• Experience working in high-scale, ML-driven product environments—especially in fintech, pricing, or risk modeling.
• Proficiency in Python and core ML frameworks (e.g., PyTorch, TensorFlow, Scikit-learn, XGBoost).
• Ability to work autonomously and lead technical direction in ambiguous, high-impact domains.
• Experience collaborating with cross-functional teams including ML scientists, engineers, and product partners.
• Ability to bridge engineering and science teams, and influence technical strategy across disciplines.
• Numerically-savvy and smart with ability to operate at a fast pace
• Master’s degree or PhD in a quantitative discipline, or equivalent additional professional experience. 

Preferred Qualifications

• Practical experience optimizing ML workflows using CUDA/GPU acceleration.
• Background in feature store design, embedding architecture, or synthetic data generation for model training.
• Proven track record of improving model accuracy in production environments with measurable business outcomes.
• Familiarity with modern experimentation frameworks, hyperparameter tuning tools, and automated model selection techniques.

The Team: 

Upstart’s Product Experience team brings together product design, research, and content strategy to shape the future of lending. We focus on high-craft execution, deep customer insight, and measurable business impact, partnering across product areas to build experiences that are clear, trustworthy, and human. Our Unsecured Lending team focuses on building borrower-facing experiences across personal loans and revolving credit products. This team owns core moments in the borrower journey, including rate selection, origination, and repayment, with a focus on clarity and trust.

As a Product Designer at Upstart, you will support feature-level design work across these experiences, partnering closely with product managers and engineers. You’ll work within established design direction to deliver high-quality, production-ready designs that directly impact millions of borrower interactions.

How you’ll make an impact

• Design end-to-end user experiences across borrower-facing flows
• Translate product requirements into wireframes, interactive prototypes,, and high-fidelity visual designs
• Collaborate with product managers and engineers to align on scope, constraints, and implementation details
• Deliver production-ready designs and ensure design intent is preserved through development handoff
• Incorporate user feedback, data insights, and stakeholder input to iterate on designs
• Partner with adjacent teams (e.g., Growth) to ensure seamless experiences across the borrower journey

Minimum Qualifications 

• 3+ years of product design experience, owning small-to-medium projects end-to-end                               
• End-to-end design: problem/goal definition, rapid user testing and user research, wireframing and strong iterative instincts, interaction and visual design including strong typography skills, running an articulate and repeatable user-centered design process                                
• Proficiency in Figma, strong fluency in GenAI tools                                                                                            
• Gives, receives, and incorporates feedback at each stage
• Gets stakeholder buy-in; delivers smooth design handoffs where resolution matches design intent                 
• Understands business context at a high level and how design impacts it                         
• Fluency in working within design systems  

Preferred Qualifications

• Experience with complex multi-step flows with branching outcomes and plentiful edge cases (applications, forms, comparison tools)
• Strong familiarity with contributing to or advancing design systems
• Experience in Fintech, lending, insurance, or other heavily regulated consumer products                                                  
• Experience working in a triad model (PM/Eng/Design)

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Associate 

#LI-MidSenior 

The Team: 

Upstart’s AI Experience Platform (AIXP) team is building the next generation of AI-native product experiences that transform how borrowers interact with their finances. Within this pillar, the team partners closely with Payments and Borrower Experience to design intuitive, trustworthy interactions across both traditional interfaces and emerging conversational surfaces.

As a Senior Product Designer on this team, you will lead the design of AI-powered payment experiences that directly impact borrower financial health. You will bridge platform capabilities and real user needs, shaping how borrowers make, manage, and recover payments through both UI and conversational interfaces.

How you’ll make an impact

• Design end-to-end payment experiences across web interfaces and conversational AI agents, ensuring consistency and clarity across interaction modes
• Translate complex payment workflows (e.g., ACH, debit, failed payments) into intuitive user experiences that handle edge cases and error states effectively
• Define and evolve interaction patterns for conversational interfaces, including dialogue flows, fallback behaviors, and multi-step task completion
• Partner closely with product managers and engineers to shape product direction, scope solutions, and deliver high-impact user outcomes
• Use data and experimentation (e.g., A/B testing, user behavior insights) to iterate on designs and improve key metrics such as payment success and engagement
• Contribute to and extend design systems by establishing reusable patterns for AI-native and conversational experiences

Minimum Qualifications 

• Bachelor’s degree in Design, Human-Computer Interaction, Computer Science, or a related field (or equivalent practical experience)
• 5+ years of product design experience delivering end-to-end user experiences for digital products
• Experience designing conversational, chat-based, or AI-assisted user interfaces
• Experience designing complex workflows with branching logic, edge cases, and error handling
• Proficiency with Figma and prototyping tools for interactive or conversational flows

Preferred Qualifications

• Experience designing LLM-powered interfaces such as chatbots, AI agents, or copilots
• Experience designing transactional or financial workflows such as payments, checkout, or lending
• Familiarity with fintech or regulated consumer products
• Ability to define new interaction patterns in emerging product spaces
• Experience working with design systems and contributing reusable components or frameworks

Position location This role is available in the following locations: Remote 

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Product Analytics team is the compass for our product development, dedicated to transforming complex user behavior and platform data into clear, actionable product strategies. Operating at the intersection of data, engineering, and product management, the team designs rigorous experiments, builds scalable data infrastructure, and uncovers the deep insights that drive continuous innovation and ensure our lending products deliver exceptional value.

As a Principal Product Analyst supporting our unsecured installment products (including Personal Loans, Relief Loans, and Cashline), you will act as a strategic partner to product leadership, owning the analytics roadmap for a core area of Upstart's business. You will champion a culture of experimentation, execute high-impact analyses to decode user journey dynamics, and collaborate seamlessly with Product, Engineering, and Machine Learning teams to translate complex data into scalable, growth-driving product enhancements.

How you’ll make an impact

• Drive product strategy through data: Partner closely with Product Management, Engineering, and Design leaders to define success metrics, size new opportunities, and shape the strategic roadmap for our unsecured installment products.
• Lead rigorous experimentation: Own the end-to-end A/B testing lifecycle—from hypothesis generation and experimental design to deep-dive analysis and executive readout—to continuously optimize user funnels and product features.
• Execute high-impact behavioral analyses: Dive deep into complex user journey data to uncover friction points, retention drivers, and growth levers, translating raw telemetry into actionable product recommendations.
• Architect scalable data solutions: Collaborate with Engineering teams to define tracking requirements for new product launches, ensuring high data quality and building intuitive dashboards that empower teams with self-serve insights.
• Elevate the analytics culture: Act as a thought leader within the Product Analytics organization by mentoring peers, establishing best practices for analytical rigor, and championing a deeply data-informed culture across Upstart.

Minimum Qualifications 

• 10+ years of professional experience in product analytics, data science, or a similar quantitative role focused on product optimization and user behavior.
• Expert-level proficiency in SQL & strong applied experience with 1+ statistical programming language (Python or R) 
• Proven track record of designing, executing, and evaluating A/B tests, with a deep understanding of experimental design, hypothesis testing, and statistical rigor.
• Hands-on experience building foundational reporting and interactive dashboards using modern Business Intelligence and data visualization tools (e.g., Looker, Tableau, or similar).

Preferred Qualifications

• Master’s / PhD in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science)
• Experience working with lending products, risk modeling, or financial services analytics.
• Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner.
• Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems.

Position location This role is available in the following locations: Remote 

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Executive Operations team supports senior leadership with a tight operating rhythm, high-quality calendars, meeting operations, travel/expenses, and onsite execution so leaders can stay focused on what moves the business.

As an Executive Assistant, you support one or more leaders by owning day-to-day workflows that improve how their time is spent and how work moves forward.

You are responsible for managing calendars, meetings, travel, and coordination with increasing independence, using judgment to resolve routine conflicts and keep work progressing without constant direction.

You improve how the executive and their team operate by structuring time, meetings, and coordination to enable clear decisions and consistent follow-through.

You operate with confidence and independence, making routine decisions within established guardrails, reducing friction for leaders and teams, and ensuring day-to-day operations run smoothly and reliably.

How you’ll make an impact

• Manage executive calendars based on priorities and guardrails, confidently resolving conflicts and protecting focus time
• Own recurring workflows such as meeting coordination, action tracking, and follow-ups to ensure work progresses consistently
• Ensure meetings are well-prepared and run smoothly, including coordinating logistics, confirming attendees, and sharing materials in advance
• Drive follow-through on action items, nudging stakeholders and flagging risks when work is at risk of slipping
• Coordinate across stakeholders to gather inputs, schedule efficiently, and keep day-to-day work moving forward
• Manage travel and expenses end-to-end with strong attention to detail and efficiency
• Communicate clearly and appropriately based on context, including drafting coordination messages and handling sensitive information with discretion
• Maintain organized systems and documentation so information is easy to find and workflows are repeatable
• Use tools and technology (including AI) to streamline workflows, improve efficiency, and reduce manual work
• Identify and implement small process improvements that reduce friction and improve execution over time
• Exercise judgment confidently, resolving most day-to-day issues independently and escalating when there is ambiguity, risk, or sensitivity

Minimum Qualifications 

• 4+ years supporting leaders in a fast-paced environment, with demonstrated ownership of calendars, meetings, and coordination across stakeholders
• Experience managing multiple priorities, deadlines, and stakeholders in a fast-paced environment
• Experience supporting leaders and coordinating across multiple stakeholders or teams
• Proficiency in Google Workspace (Calendar, Gmail, Docs, Sheets, Slides)
• Demonstrated use of tools or technology (including AI) to streamline workflows, improve efficiency, or reduce manual work
• Experience handling sensitive or confidential information with discretion
• Demonstrated ability to communicate clearly and professionally with stakeholders, including drafting emails, meeting communications, or coordination messages

Preferred Qualifications

• Experience supporting multiple leaders simultaneously in a fast-paced environment
• Curiosity about new tools and technologies, including AI, with demonstrated experimentation to improve workflows
• Ability to identify and implement process improvements that increase efficiency or reduce manual work

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Associate 

The Team: 

Upstart's Product Experience team brings together product design, research, and content strategy to shape the future of lending. We focus on high-craft execution, deep customer insight, and measurable business impact,  partnering across product areas to build experiences that are clear, trustworthy, and human. Content Design and User Research are cross-cutting craft specialties that serve every pillar — essential to journey quality and informed decision-making across the team. 

As the Principal UX Researcher reporting to the VP of Product Design, you will establish Upstart's dedicated UX research practice. Today, product designers conduct their own research as needed and the Consumer Insights  team provides market and customer intelligence — but there's no shared UX research methodology or consistent way to connect customer behavior insights to product design decisions. You'll bridge that gap: defining how UX research gets done, equipping designers and PMs to conduct foundational research well, and leading the strategic studies that influence decisions across Upstart's lending products. 

How you’ll make an impact

• Establish and scale a UX research practice, including methodologies, standards, and tools used across product  teams
• Lead high-impact, cross-functional research initiatives that inform product strategy and roadmap decisions    
• Enable designers and product managers to conduct effective day-to-day research through toolkits, templates,and best practices
• Build and maintain research infrastructure — participant recruiting pipelines, research repositories, and insight-sharing systems that make findings accessible and actionable across teams                               
• Partner with Product, Engineering, and Consumer Insights leaders to ensure research has an informed and influential voice in product decisions — bridging horizontal insights across a multi-product lending portfolio  
• Define and promote best practices for conducting research in a regulated environment with sensitive borrower data                                                                                                            
• Balance speed and rigor by prioritizing research that drives timely, actionable insights

Minimum Qualifications 

• Bachelor’s degree in Human-Computer Interaction, Psychology, Sociology, Statistics, or a related field (or equivalent practical experience)
• 8+ years of experience conducting UX research using qualitative and quantitative methods
• Experience building or scaling a UX research practice, including establishing processes, tools, or frameworks
• Demonstrated experience leading research that influenced product strategy or roadmap decisions
• Experience working in complex, multi-product environments

Preferred Qualifications

• Knowledge of financial services, fintech, or consumer lending products
• Experience working in regulated environments with sensitive user data
• Ability to design and implement scalable research systems that enable non-researchers to conduct foundational research
• Experience with AI-assisted research tools or workflows
• Ability to influence cross-functional stakeholders and integrate research into product decision-making

Position location This role is available in the following locations: Remote 

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

The Team

The Core Pricing team is at the heart of Upstart’s financial infrastructure. Nearly every borrower experience, product workflow, and partner integration relies on the systems this team builds and maintains. Core Pricing owns critical backend services that price loans across products and partners, integrate with underwriting models and downstream platforms, and operate under strict requirements for latency, correctness, and reliability. These services sit directly on the revenue path and function within a regulated environment, serving both internal and external stakeholders. The team supports a mix of legacy infrastructure and greenfield development as we continue evolving our pricing architecture. As a Senior Engineering Manager on the team you will help drive results in this dynamic and critical environment. 

How You’ll Make an Impact

• Lead, coach, and grow a team of backend engineers and an engineering manager, fostering a culture of accountability and ownership.

• Own team execution and delivery across multiple quarters, ensuring Core Pricing systems meet high standards for uptime, accuracy, and responsiveness.

• Guide technical strategy across legacy and next-generation pricing systems, balancing short-term execution with long-term architectural goals.

• Ensure changes to pricing systems are production-safe, observable, and rigorously validated, maintaining SLAs and leading incident response when needed.

• Collaborate cross-functionally with Product, Risk, Servicing, Analytics, and external partners to deliver complex, multi-team initiatives.

• Use key metrics—including reliability, latency, and partner escalations—to align engineering priorities with borrower impact and business objectives.

Minimum Qualifications

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience, including at least 3 years of direct people management experience

• Strong executive presence, with a track record of influencing cross-functional leaders using data, business context, and sound judgment.

• Strong product and business judgment, including the ability to assess tradeoffs, risk, and long-term implications.

• Demonstrated ownership of systems with strict requirements for reliability, latency, and correctness.

• Experience in pricing, fintech, lending, payments, marketplaces, or real-time decisioning systems. 

• Strong system design and architectural judgment, with the ability to go deep technically when needed.

• Deep experience leading backend and distributed systems in production environments.

• Proven success leading complex, cross-functional initiatives over multiple quarters.

• Strong communication skills with the ability to work effectively across technical and non-technical audiences.

Preferred Qualifications

• Experience operating in regulated environments and working with external partners.

• Experience in fintech or financial services, particularly in pricing, risk, or ML-adjacent domains where correctness and compliance are critical.

• 4–7 years leading high-performing engineering teams.

• Experience managing managers and leading organizations of 20+ engineers

Position location This role is available in the following locations: Remote, USA

Time zone requirements The team operates on the East and West coast time zones.  

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Director 

The Team: 

Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart’s credit products, both for the first time and on an ongoing basis. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace.

As a Principal Product Manager focused on User Engagement, you’ll lead a core pillar of our Growth strategy – driving user activity, retention, and repeat usage through compelling, value-driven product experiences. You will shape how customers interact with Upstart beyond the initial transaction, building our in-product experience, and touchpoints that deepen trust, promote financial wellness, and ultimately unlock new monetization pathways.

In this highly cross-functional role, you'll operate at the intersection of product, design, engineering, data science, and marketing to reimagine how users stay engaged with our platform. You’ll balance bold bets with iterative testing, and combine behavioral insights with product mechanics to build delightful, habit-forming experiences that serve both user needs and business outcomes.

How you’ll make an impact

• Define and deliver the vision for engagement across Upstart’s ecosystem, building experiences across web and mobile that keep users returning and pave the path to upsell and cross-sell.
• Champion the user journey, crafting intuitive and rewarding experiences that build trust and increase lifetime value. You’ll partner with consumer research, product marketing, and data to ground your work in real-world behaviors and motivations.
• Drive experimentation at scale, using rapid iteration and clear metrics to test what works. You’ll bring clarity to ambiguity by identifying levers for activation, retention, and repeat engagement, and aligning stakeholders around the most promising paths forward.
• Lead with influence, collaborating across product lines and teams to stitch together a cohesive experience across our suite of offerings, ensuring engagement efforts ladder up to shared company goals.
• Balance vision and execution, making strategic trade-offs across short-term optimization and long-term differentiation. You'll help shape a roadmap that prioritizes measurable impact while investing in foundational capabilities for sustained growth.

Minimum Qualifications 

• 10+ years of product management experience, with a strong track record driving consumer engagement, growth, or retention for digital products.
• Deep fluency in product discovery and hypothesis-driven development, including A/B testing, experimentation frameworks, and success metric definition.
• Exceptional collaboration skills, with a proven ability to align diverse stakeholders - from executive leaders to cross-functional partners - around a shared strategy.
• A user-first mindset, with the ability to distill complex customer insights into elegant, high-utility product experiences.
• Strong judgment and prioritization skills, able to identify high-leverage opportunities and navigate trade-offs with confidence and clarity.

Preferred Qualifications

• Experience building consumer products for technology companies, preferably in highly regulated industries (financial services, healthcare, etc.)
• Proven track record of building and scaling multi-product ecosystems or marketplaces in a B2C environment.
• Strong customer-centric mindset with the ability to translate customer insights into actionable product features and enhancements.

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

The Team

Upstart’s Infrastructure Security team is focused on securing the cloud, compute, platform, and deployment layers that run our products. We believe security should enable fast, safe delivery through strong engineering fundamentals, automation, and secure-by-default patterns. Our team partners closely with platform, infrastructure, and product engineering to reduce risk in areas such as cloud IAM, Kubernetes and container security, network controls, secrets management, infrastructure-as-code, and production vulnerability management.

As a Security Engineer II at Upstart, you will help design, build, and improve security controls that protect our production infrastructure and developer platforms. You will partner with engineers across infrastructure, platform, and product teams to identify risks, review designs, automate preventative controls, and improve the security of the systems our products run on. This role is well suited for an engineer who can independently lead medium-sized projects, troubleshoot moderately complex security problems, and deliver durable improvements that make Upstart’s infrastructure more secure by default.

How you’ll make an impact

• Design and implement security controls for cloud, platform, and deployment systems, with a focus on secure defaults and durable risk reduction.
• Partner with platform, SRE, and infrastructure teams to review architecture and infrastructure changes, identify security risks, and drive practical remediation plans.
• Build and improve automation for infrastructure security, including controls for cloud IAM, Kubernetes and container environments, secrets handling, and infrastructure-as-code workflows.
• Identify and remediate systemic weaknesses such as misconfigurations, exposed services, weak trust boundaries, and insecure defaults in production environments.
• Support infrastructure vulnerability management by helping prioritize findings, validate fixes, and improve how issues are detected and prevented over time.
• Help assess and improve security controls for AI-assisted developer workflows and GenAI-enabled systems, including agentic tooling, coding assistants, and internal AI integrations that interact with production or sensitive environments.
• Respond to production security issues, investigate root causes using logs, dashboards, and system context, and contribute follow-up improvements that strengthen the platform.
• Contribute to team effectiveness by documenting patterns, participating in design and code reviews, and helping raise the security quality bar across engineering.

Minimum Qualifications 

• Bachelor’s degree and 3+ years of experience in security engineering, infrastructure engineering, or a related software engineering role.
• Experience securing or operating cloud-native infrastructure in AWS or a similar cloud environment.
• Experience with one or more of the following domains: cloud IAM, Kubernetes/container security, network security, secrets management, or infrastructure vulnerability management.
• Experience writing code or automation in Python, Go, Java, or a similar programming language.
• Experience reviewing system designs, infrastructure changes, or architecture proposals and driving actionable security outcomes.
• Experience with infrastructure-as-code and CI/CD tooling such as Terraform, Helm, GitHub Actions, or similar technologies.
• Experience investigating and resolving moderately complex production or security issues using logs, metrics, and debugging tools.
• Experience using AI-assisted engineering tools responsibly, with an understanding of security considerations such as sensitive data exposure, unsafe automation, access boundaries, or insecure use of generated code and infrastructure changes.

Preferred Qualifications

• Experience building preventative guardrails or automated controls that are adopted by multiple engineering teams.
• Familiarity with production access control patterns for engineers and service identities.
• Experience with Kubernetes, service-to-service trust models, workload identity, or runtime security controls.
• Experience improving cloud posture management, hardening baselines, or drift detection programs.
• Familiarity with security considerations for AI-assisted engineering workflows, including code generation or code review tooling.
• Experience partnering with Risk, Compliance, or Audit teams in a regulated environment.
• Security certifications such as AWS Security Specialty, GCP Professional Cloud Security Engineer, CISSP, or equivalent practical expertise.

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on all continental US time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

The Team

Cash Line is Upstart’s new always on revolving credit product designed to expand access to responsible, fairly priced credit. Instead of a traditional rewards driven credit card model, Cash Line rethinks how credit is structured and priced, using AI driven underwriting to better separate risk and reduce the need for cross subsidized rewards.

We are a small, senior engineering team operating like a startup inside Upstart. The team owns the product end to end, from consumer facing experiences in the mobile app to the backend systems that power underwriting, pricing, servicing, and capital markets integrations.

This is a high ownership environment. The codebase is new. The architecture is still being shaped. You will work closely with product, growth, finance, compliance, and capital markets partners to build a category defining credit experience.

We are building with generative AI as a core capability from day one, both in the customer experience and in how we build and operate the product internally.

How you’ll make an impact:

• Design and build the core backend systems that power a new revolving credit product used directly by consumers.

• Own distributed services that support underwriting, pricing, line management, transactions, and servicing with high reliability and observability.

• Translate complex product and economic requirements into scalable technical systems, balancing speed, risk, and long term maintainability.

• Partner closely with machine learning engineers and data teams to productionize models and integrate AI driven decisioning into real time user flows.

• Collaborate with mobile engineers to deliver seamless consumer facing features, ensuring backend systems are optimized for real world usage patterns.

• Work across the full lifecycle of credit, from consumer acquisition and onboarding through funding, servicing, and capital markets distribution.

• Shape foundational architectural decisions in a greenfield environment, while thoughtfully integrating with systems from Upstart’s mature lending platform.

• Contribute to a Gen AI first product strategy, helping define how generative AI enhances user experience, internal tooling, automation, and operational workflows.

• Raise the bar for engineering quality through strong API design, data modeling, observability, testing, and operational rigor.

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience

• Strong experience designing distributed systems and event driven architectures, including real world handling of retries, idempotency, fault tolerance, and failure modes.

• Proficiency in an object oriented language such as Python, Java, Kotlin, C#, or Ruby, and experience building and maintaining APIs and service oriented architectures.

• Experience shipping consumer facing features end to end, with a strong understanding of latency, reliability, and user impact.

• Ability to work effectively in ambiguous, zero to one environments where requirements evolve quickly.

• Strong cross functional collaboration skills and comfort working closely with product, finance, compliance, and other business stakeholders.

• Active use of AI tools in engineering, with a forward-looking perspective on how AI is reshaping software development.

• Exceptional communication and collaboration skills; able to align teams and advocate for high-impact solutions across functions.

Preferred Qualifications

• Experience in fintech, credit, payments, or other regulated financial systems.

• Familiarity with revolving credit, line management, transaction processing, or ledger based systems.

• Experience building systems that sit at the intersection of consumer products and capital markets infrastructure.

• Background working with ML driven pricing, underwriting, or risk systems.

• Hands on experience leveraging generative AI in product features or internal engineering workflows.

• Experience on small, high ownership teams where engineers are responsible for architecture, implementation, and operational excellence.

• Passion for building products that expand access to credit and improve financial outcomes for underserved consumers.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

#LI-REMOTE

#LI-MidSenior --> use for L5, L6

The Team: 

As the Director, Software Engineering, Mobile Platform, you will lead and scale Upstart’s Mobile Platform organization, shaping and driving our overall mobile platform strategy. With the majority of customer interactions now occurring via mobile, this channel is central to Upstart’s continued growth and to our ability to operate as a multi-product company. As an example, Upstart recently announced our first mobile-only product, CashLine. Your leadership will ensure that our mobile platform reliably supports every current and future product, while delivering a seamless, engaging, and high-performing customer experience. Specifically, Mobile Platform engineering is responsible for:

• Building a Strong Foundation – Developing shared platform capabilities (e.g., account creation, navigation, and observability) that power all loan products on mobile.
• Accelerate Mobile Development – Reducing friction for product teams by providing reusable components, reliable release pipelines, and high-quality testing frameworks.
• Expanding Our Reach – Improving application discoverability and onboarding flows (including app downloads and account creation) to bring more customers to Upstart.
• Maximizing Customer Lifetime Value – Enabling users to seamlessly manage their loan applications, access credit repeatedly, and make monthly repayments effortlessly.

As a key engineering leader, you will collaborate closely with Product Management, Legal & Compliance, UX/UI Design, Data Analytics, and Loan Product teams to drive mobile innovation and excellence. You will have the opportunity to refine the scope and strategy of Upstart’s mobile platform, as well as the long-term organizational structure of the mobile platform engineering team. 

How you’ll make an impact

• Define and drive the mobile platform vision – Establish a culture of technical excellence, innovation, and collaboration.
• Lead and grow a high-performing team – Recruit, mentor, and develop engineering leaders and individual contributors, fostering a sense of ownership and accountability.
• Deliver a world-class mobile experience – Lead the development of a robust, native iOS application that enables users to apply for loans, manage their accounts, and handle repayments seamlessly.
• Operationalize success metrics – Establish clear KPIs to measure engineering efficiency, product performance, and business impact.
• Drive automation and process improvements – Champion best practices in mobile development, CI/CD, testing, and deployment.
• Strategic Roadmapping & Prioritization – Partner with cross-functional teams to develop and execute medium- and long-term mobile strategies.

What we're looking for

• Proven experience leading mobile engineering teams in high-growth, consumer-facing technology companies.
• Strong background in native mobile development using React Native (both iOS and Android preferred), including deep expertise in engineering best practices, frameworks, and scalable architectures.
• Demonstrated ability to scale and structure teams, balancing technical leadership with people management.
• Experience working closely with Product, Design, and Analytics to develop customer-centric mobile experiences.
• A data-driven mindset, with a strong ability to measure impact and drive continuous improvement.

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Director --> use for L7

The Team

Upstart’s Credit Analytics team is at the center of how we understand, forecast, and communicate credit performance across the company. The team builds the frameworks, infrastructure, and insights that connect our AI-driven underwriting, portfolio performance, and funding strategy, ensuring decisions are grounded in a rigorous and forward-looking view of risk and return.

As a Principal Credit Analytics, you will lead a key pillar of these functions, credit forecasting & valuation or risk capital analytics—driving high-impact analytics that inform portfolio strategy, financial planning, and funding decisions. You’ll partner closely with Machine Learning, Finance, Product, and Capital teams to translate complex credit dynamics into actionable insights and scalable systems.

How you’ll make an impact

• Own a core analytics domain within Credit Analytics (forecasting & valuation or risk capital), driving execution and continuous improvement of frameworks that power portfolio monitoring, planning, and decision-making
• Develop and enhance credit forecasting and valuation methodologies, including loss forecasting, scenario analysis, and portfolio performance measurement, ensuring outputs are accurate, explainable, and decision-useful
• Contribute to risk capital analytics and reporting, supporting funding strategies such as securitizations, warehouse facilities, and forward-flow programs through robust performance tracking, stress scenarios, and risk/return analysis
• Translate analytics into business impact, delivering clear insights and recommendations that guide product strategy, credit policy, and funding decisions
• Partner cross-functionally with ML, Finance, Product, Engineering, and Capital teams to align on definitions, metrics, and frameworks, and to integrate analytics into core workflows and decision processes
• Build and scale analytics infrastructure, including data models, pipelines, dashboards, and reporting tools that enable consistent, self-serve insights across stakeholders
• Uplevel analytical rigor and processes, establishing best practices for validation, monitoring, and governance of credit models and analytics outputs

Minimum Qualifications

• 7+ years of experience in analytics, credit risk, or quantitative finance within fintech, financial services, or related industries
• Experience building or applying credit risk / loss forecasting, portfolio analytics, or valuation frameworks in consumer lending or similar domains
• Exposure to risk capital or structured finance concepts (e.g., securitizations, warehouse facilities, forward flow, or investor reporting)
• Strong analytical and technical skills, including proficiency in SQL and at least one programming language (Python or R), and experience working with large datasets
• Ability to translate complex analyses into clear, actionable insights for both technical and non-technical stakeholders

Preferred Qualifications

• Experience partnering with ML / data science teams, particularly in underwriting or model performance monitoring
• Familiarity with capital analytics, deal economics, and risk/return frameworks
• Experience building or improving analytics infrastructure (data models, dashboards, automated reporting, GenAI solutions)
• Exposure to model governance, controls, or audit processes (e.g., SOX, model validation, valuation reviews)
• Demonstrated ability to influence cross-functional stakeholders and drive alignment across teams

Position location - This role is available in the following locations: Remote

Time zone requirements - The team operates on the West coast time zones.

Travel requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

The Team

Upstart’s Communications team shapes how our story shows up in the market, with a focus on building trust, clarity, and relevance across external audiences. The team partners closely with leaders across the company to connect business performance, industry context, and innovation into a narrative that is timely, credible, and differentiated.

As the Director, Corporate Communications at Upstart, you will lead and partner on key aspects of our corporate communications strategy, with a focus on executive visibility, corporate messaging, media relations, and thought leadership. In this role, you will help position Upstart and its leaders at the center of important conversations shaping lending, AI, consumer finance, and the broader economy. You will operate across strategy and execution, partnering with senior leaders while driving proactive storytelling that builds credibility over time.

How you’ll make an impact

• Define and evolve Upstart’s corporate narrative, ensuring it is grounded in company performance, industry dynamics, and the broader economic landscape.
• Develop and execute communications programs that increase Upstart’s visibility across business, financial, technology, and mainstream media.
• Build and elevate the external profiles of Upstart executives through media strategy, thought leadership platforms, speaking opportunities, and contributed content.
• Counsel senior leaders on messaging, positioning, media engagement, and high-stakes communications moments with sound judgment and consistency.
• Partner with Investor Relations, Legal, Marketing, Growth, and Internal Communications to align messaging across external touchpoints and audience moments.
• Translate complex topics, including lending, credit, AI, regulation, and macroeconomic trends, into clear and compelling stories for external audiences.

Minimum Qualifications

• Bachelor’s degree in Communications, Journalism, Public Relations, English, Marketing, Business, or a related field, or equivalent practical experience.
• 10+ years of experience in corporate communications, public relations, executive communications, or a related field.
• 5+ years of experience developing corporate messaging and media relations strategies for a public company, high-growth technology company, fintech, or other regulated industry.
• Experience building executive visibility programs and supporting senior leaders through media interviews, speaking engagements, and sensitive communications moments.
• Experience partnering cross-functionally with functions such as Investor Relations, Legal, Marketing, and executive leadership to deliver coordinated external communications.

Preferred Qualifications

• Knowledge of the media landscape across business, financial, technology, and consumer outlets.
• Ability to translate complex business, financial, and policy topics into clear, audience-centered messaging and thought leadership.
• Experience identifying proactive storytelling opportunities tied to industry trends, macroeconomic developments, and the news cycle.
• Skills in developing contributed content, messaging frameworks, and executive communications materials for senior leaders.
• Experience using AI platforms and tools to improve communications workflows, insight generation, or team effectiveness.

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

The Team: 

Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale.

As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You’ll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences.

How you’ll make an impact

• Design and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operations
• Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters
• Translate business, operational, and regulatory requirements into reliable, maintainable software
• Improve system reliability, performance, observability, and data consistency across distributed services and integrations
• Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability
• Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment
• Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• Experience building and operating production software systems in backend or full-stack environments
• Experience building scalable services, APIs, or web applications in cloud environments
• Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters
• Proficiency in at least one modern programming language such as Python, Java, or Kotlin

Preferred Qualifications

• Experience working in fintech, banking infrastructure, payments, or other regulated financial systems
• Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC
• Experience building systems that support reliability, auditability, and strong operational controls
• Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling
• Ability to collaborate effectively with product, compliance, operations, and engineering partners
• Experience working across both backend services and user-facing application layers
• Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings.

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE
#LI-MidSenior

The Team: 

Upstart’s Lending Partnerships team partners with banks and credit unions to grow their consumer lending programs and drive strong returns. By ensuring a continuous flow of capital to support originations, this team plays a critical role in scaling Upstart’s lending business.

As the Senior Manager, Product Marketing at Upstart, you will own product positioning and messaging, lead cross-functional go-to-market efforts, and develop sales assets and enablement strategies that support pipeline growth and deal execution. You will partner closely with Product, Sales, Solution Consulting, and Marketing to bring new offerings to market and clearly communicate Upstart’s value to C-level audiences at banks and credit unions.

We’re looking for a high-impact Product Marketer who thrives in complex, fast-changing environments and can proactively identify opportunities to drive business impact.

How you’ll make an impact

• Define and evolve product positioning and messaging that clearly communicates differentiated value to bank and credit union executives
• Shape and execute go-to-market strategies that drive lender interest, expand sales pipeline, and increase originations
• Lead cross-functional product launches, ensuring alignment across Product, Sales, Solution Consulting, and Marketing
• Develop sales and executive-level materials that improve C-level engagement and support deal progression
• Partner with Sales and Account Management to synthesize field insights, refine messaging, and improve win rates
• Deliver competitive intelligence and positioning that enables teams to effectively differentiate Upstart in the market

Minimum Qualifications 

• Bachelors degree with 5+ years of experience in product marketing, preferably in fintech, financial services, or B2B environments serving banks or credit unions
• Proven ability to distill complex products, data, and marketplace dynamics into clear, compelling messaging that drives lender interest and adoption
• Track record of leading complex, cross-functional initiatives with multiple stakeholders, driving alignment and execution across parallel workstreams
• Experience creating sales enablement materials (e.g., pitch decks, collateral, case studies) used by revenue teams
• Experience partnering with Sales to develop effective positioning and enablement materials and strategies
• Strong ownership mindset with a history of proactively identifying growth opportunities, addressing gaps, and driving initiatives end-to-end
• Ability to operate effectively in fast-paced, ambiguous environments

Preferred Qualifications

• MBA or Masters in finance or economics.  
• Experience in fintech or financial services organizations focused on lending products (e.g., personal loans, HELOC, auto lending, or credit underwriting)
• Familiarity working with or marketing to banks and credit unions, including executive stakeholders (e.g., CEO, CLO, CFO)
• Experience with marketplace lending or structured programs (e.g., forward flow, funding models)

Position location: Remote

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Credit Analytics team is at the center of how we understand, forecast, and communicate credit performance across the company. The team builds the frameworks, infrastructure, and insights that connect our AI-driven underwriting, portfolio performance, and funding strategy, ensuring our decisions are grounded in a rigorous and forward-looking view of risk and return.

As the Director, Analytics (Credit Analytics) at Upstart, you will lead and scale a horizontal analytics organization spanning credit forecasting & valuation and risk capital. You will set the vision, roadmap, and operating model for this area—developing leaders and ICs, upleveling our analytical foundations, and unifying how we tell our credit story internally and externally in close partnership with Machine Learning, Finance, Capital, and investor-facing analytics teams.

How you’ll make an impact

• Own and evolve the Credit Analytics vision and roadmap across credit forecasting & valuation and risk capital, building a high-performing team of managers and analysts and setting a strong bar for analytical rigor, execution, and collaboration.
• Lead the implementation, enhancement, and disciplined use of foundational credit forecasting and valuation frameworks that underpin financial planning, portfolio performance monitoring, and investor narratives—ensuring our forecasts and asset valuations are robust, explainable, and subject to bank-grade governance.
• Own the operations, measurement, and reporting for risk capital, which represents the majority of Upstart’s funding base—developing capital analytics, stress scenarios, and risk appetite frameworks that support seamless execution of risk capital deals and disciplined portfolio management.
• Partner with product, engineering, and capital stakeholders to define and build the next generation of credit and capital infrastructure and tooling, including data models, pipelines, and dashboards that enable scalable, self-serve insights for analysts and leaders across the company.
• Unify Upstart’s internal and external credit risk narrative in close collaboration with ML and investor- and capital-focused analytics peers, translating complex performance drivers into clear, executive-ready insights and recommendations that guide funding strategy, deal structures, and long-term risk-reward tradeoffs.
• Develop, coach, and empower your team—including both people leaders and senior ICs—by establishing best practices, elevating technical and business problem-solving, and fostering a culture of ownership, curiosity, and continuous improvement

Minimum Qualifications 

• 10+ years of professional experience in analytics, risk, or quantitative finance roles in technology, fintech, or financial services, including 5+ years leading and developing analytics and/or risk management teams.
• Experience building and deploying credit risk / loss forecasting and portfolio valuation frameworks for consumer credit or comparable lending businesses.
• Hands-on experience with structured finance and/or risk capital (for example, securitizations, warehouse facilities, forward-flow or other institutional funding structures), including comfort working with cash flow, return, and risk metrics.
• Advanced proficiency in SQL and at least one analytical programming language (such as Python or R), with demonstrated experience working with large datasets and modern data platforms and BI tools.
• Degree in Quantitative Finance/Economics, Statistics, Engineering, Data Science, or another quantitative field (or equivalent practical experience)

Preferred Qualifications

• Track record of integrating credit, finance, and capital perspectives into unified analytical frameworks and narratives that influence senior executives and cross-functional leaders.
• Experience building or modernizing credit forecasting, valuation, and/or capital analytics infrastructure (e.g., data models, pipelines, dashboards, automated reporting) in partnership with engineering and ML teams.
• Proven ability to mentor and coach both managers and senior ICs on technical depth, business judgment, and stakeholder influence.
• Experience working with internal and external audits, controls, and governance (for example, SOX, or valuation reviews) related to credit models, asset valuations, or risk capital structures.
• Comfort operating in a hands-on, strategic leadership role—able to dive into the data and details when needed while maintaining a clear view of long-term goals, tradeoffs, and priorities

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Director 

The Team

The Capital Marketplace Vertical is the fuel that powers Upstart’s AI based lending operations. Spread across eight dynamic high performance teams; Capital Marketplace is in charge of onboarding our capital providers, efficiently leveraging the capital on the platform, and maintainingCapital Marketplace relations with both our Lending Partners and Investors. We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers.

As a Principal Engineer at Upstart on the Capital Marketplace team, you will collaborate with all parts of the Upstart business and engineering, including Machine Learning, Data Engineering, Product Management, Product Design, Platform, Servicing, Lending Partnerships, and -all product vertical teams. The role will report directly to a head of Capital Market Engineering and work closely with all eight of the Capital Marketplace product engineering teams. Your goal is to autonomously identify and prioritize high impact work that will ultimately make the Capital Marketplace Vertical successful.

How you’ll make an impact:

• Help define the Capital Marketplace engineering’s longer term technical roadmap ensuring alignment with business objectives
• Guide the architectural evolution of Capital Marketplace systems with an emphasis on systems shared across the Capital Market engineering teams
• Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction  
• Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation
• Partner with product leaders to shape product direction and drive business impact across all Capital Marketplace products
• Lead from the front, while mentoring and developing technical leaders
• Identify and prioritize high leverage and impactful opportunities

What we’re looking for: 

• Minimum requirements:
• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience 
• Strong technical and software engineering fundamentals including a demonstrated ability to build and own large-scale, highly available consumer products
• Ability to explain complex business and technical concepts to all audiences
• Experience leading large cross-team initiatives at companies that have gone through periods of rapid business or organizational growth
• Track record of successfully mentoring and developing technical leaders

• Preferred qualifications:
  • Has defined and executed on longer term (multi-quarter +) technological visions or strategies for multi-team organizations
  • Has driven initiatives of significant depth or breadth with demonstrated results in engineering process, technology platforms, or overall productivity of others
  • Ability to identify gaps in organizational knowledge, tools, and practices and produce and execute on plans to address those gaps
  • Ability to influence and lead without direct authority
  • Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Marketplace Optimization team is responsible for optimizing market-level outcomes, balancing tradeoffs for borrowers, capital providers, and Upstart. The team builds the dynamic policy levers, matching and offer-selection logic, and monetization tooling that clear the marketplace, manage margins, and maximize capital utilization efficiency.  Our mandate is to enable automated, data-driven decisions that improve originations, contribution margin, and capital efficiency while supporting new products and partner integrations.

As the Senior Engineering Manager on the team for Marketplace Optimization, you will lead high-impact engineering squads that turn marketplace strategy and ML-backed signals into reliable production systems. You’ll partner closely with Product, Machine Learning, and Capital Markets to deliver scalable capital routing, matching, and monetization automation capabilities that directly affect borrower outcomes and capital performance. You will set execution priorities, remove blockers, and develop engineers to ship production-grade services that are observable, performant, and safe for a regulated fintech environment.

How you’ll make an impact:

• Define and execute the team’s technical roadmap: deliver matching, offer-selection, monetization, and target-return logic and features that improve marketplace outcomes
• Build and grow a high-performing engineering team: hire, mentor, and develop engineers and ICs; establish clear expectations and career growth paths
• Drive technical excellence: own architecture and delivery decisions for scalable, fault-tolerant services, data pipelines, and APIs that integrate with ML models and capital systems
• Collaborate cross-functionally with Product, ML, Capital Markets, and Risk to translate business goals into prioritized, measurable engineering work
• Own operational reliability and observability: establish SLOs/SLIs, alerting, runbooks, and post-incident practices to ensure marketplace integrity and fast incident response
• Lead delivery and execution: unblock teams, manage technical and organizational risks, and ensure high-quality, timely releases while balancing speed and safety

What we’re looking for: 

Minimum requirements:

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience, including at least 3 years of direct people management experience.
• Proven success leading and scaling high-performing engineering teams (e.g., growing headcount, improving delivery metrics, or managing multiple squads)
• Demonstrated domain expertise in marketplace optimization,  pricing/fee/monetization, or routing systems at scale
• Demonstrated ability to partner closely with Product, and ML teams to deploy models at scale and build scalable production ready systems
• Exceptional communication skills with the ability to influence technical and non-technical audiences
• Strong analytical, organizational, and strategic thinking skills with a bias for action 

Preferred Requirements: 

• Hands-on familiarity with cloud platforms (AWS/GCP/Azure), containerization and orchestration (Docker/Kubernetes), and scalable API design
• Experience with streaming and event architectures (e.g., Kafka, Pub/Sub) and modern data platforms
• Track record operating in regulated or compliance-sensitive environments and building systems that support auditability
• Background in statistics, economics, or applied ML domains
• Demonstrated success building observability and reliability practices (SLO/SLI design, monitoring, alerting, post-incident process) and scaling engineering processes across multiple teams

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

The Team: 

Upstart’s Capital Insights team sits within the Capital Platform pillar and is responsible for partner-facing reporting that enables lenders and institutional investors to understand and manage their portfolios. The team builds and maintains APIs, data pipelines, data models, and reporting systems that power loan funding, loan sales, and financial reporting across products.

As a Senior Software Engineer, you will serve as a key individual contributor responsible for backend services, data pipelines, and reporting infrastructure that ensure capital partners receive accurate, timely, and reliable data. Your work directly supports how capital  flows through Upstart’s marketplace and helps scale the platform to support future growth.

How you’ll make an impact:

• Design and evolve backend services, data models, and reporting APIs that power partner-facing reporting across multiple lending products
• Build and maintain data pipelines and reporting systems that deliver accurate, timely loan and portfolio data under strict SLAs
• Improve system reliability and operational health by reducing incidents, automating manual processes, and strengthening observability
• Lead design and implementation of cross-product platform  capabilities, including unified APIs and portals
• Partner with Capital Markets, Finance, and Data teams to define requirements, troubleshoot production issues, and deliver scalable solutions
• Identify structural inefficiencies in legacy systems and drive platform-level improvements that reduce operational burden
• Mentor engineers on best practices for data modeling, distributed systems design, and production operations in a regulated fintech environment

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) plus 4+ years of experience building and operating backend systems
• Experience with at least one modern backend stack (e.g., Ruby on Rails, Java, or similar) and relational databases (SQL)
• Hands-on experience with data pipelines or analytical data stores, such as Airflow, Spark, dbt, ClickHouse / Snowflake / BigQuery / Redshift, or equivalent technologies
• Experience owning systems end-to-end, including design, deployment, monitoring, and on-call support

Preferred Qualifications

• Experience in fintech, lending, capital markets, or financial reporting environments with high data accuracy requirements
• Knowledge of modern data platforms and analytics tools (e.g., Databricks, ClickHouse, Looker, dbt)
• Experience designing and maintaining external APIs (REST) or file-based data integrations for enterprise partners
• Ability to improve system reliability through observability, automation, and incident reduction practices
• Ability to collaborate across technical and non-technical teams to define requirements and deliver solutions

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

As Upstart’s Brand & Creative Team, we shape how the brand comes to life across every touchpoint — defining our voice, personality, and emotional connection with borrowers and partners. We sit within Growth, designing and creating for impact across all channels, from the digital surfaces where consumers first discover us to the campaigns and brand systems that make Upstart trusted and remembered. 

As Creative Director, Brand at Upstart, you’ll be a senior creative leader for our brand's most visible owned channels including: organic social media, our website, and our brand design systems — while also driving creative vision for brand campaigns. You'll set the creative bar, lead the team, and champion the work that builds lasting brand love at scale. 

This role is ideal for a player / coach — someone equally comfortable guiding a team and doing the work required to get something off the ground. This is an impactful role with the opportunity to be a key driver in making Upstart a beloved brand, cultural driver, and household name.

How you’ll make an impact

• Lead creative strategy and execution across Upstart's owned brand channels: organic social, our website, and brand design systems.
• Grow, inspire, and develop a multi-disciplinary creative team across brand disciplines—setting a high creative standard, delivering direct and actionable feedback, and building the kind of team culture where talented people come to do their best work.
• Drive brand campaign creative from concept to delivery, including leading both internal development and directing agency partners across TV, OOH, digital, and emerging media
• Actively evolve how Upstart uses AI tools to accelerate creative output without sacrificing craft
• Partner closely with Marketing, Product, and senior leadership to align creative strategy with business goals — showing up as a trusted creative thought partner across the organization, not just a creative executor.

Minimum Qualifications 

• 10+ years of experience in brand creative, design, or creative direction, with at least 4+ years leading and managing multi-disciplinary creative teams.
• Demonstrated experience overseeing brand campaign development end-to-end across channels including TV, OOH, and digital with both internal teams and external agency partners.
• Portfolio showcasing excellence in brand identity work, visual design systems, and effective metrics-driving, multi-channel campaign creative.
• Proven track record of developing creative talent and building team culture across disciplines.

Preferred Qualifications

• Deep knowledge of organic social content strategy and platform-native creative across Instagram, TikTok, LinkedIn, and emerging channels.
• Familiarity with website design + content strategy and a track record of partnering with web and UX teams to deliver quality digital experiences.
• Ability to translate brand strategy into scalable design systems and guidelines adopted org-wide.
• Experience at a consumer-facing tech brand or other regulated industry brand.
• Advanced fluency with AI-assisted creative tools and a demonstrated approach to using emerging technologies as a force-multiplier for creative quality and output.

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

The Team 

Upstart’s GenAI Core Platform team builds the foundational Platform that democratizes access to generative AI across the company. As a Principal Engineer - GenAI/LLM, you will provide technical leadership across multiple cross-functional teams, shaping the vision, architecture, and adoption strategy for our new GenAI platform for Engineers and non-Engineers alike. 

You will work closely with engineering leaders, ML researchers, and product stakeholders to ensure Upstart can scale the safe, efficient, and responsible use of LLMs across all business domains.

This role goes beyond delivery. It is about setting long-term direction, de-risking our most ambitious AI initiatives, and raising the bar for technical excellence across the organization. In short, you will have a direct influence and impact on how we enable and implement GenAI and LLMs internally at Upstart.

How You’ll Make an Impact

• Define and drive the multi-year technical roadmap for the Core GenAI Platform, influencing adoption and alignment across several engineering teams
• Collaborate with CTO/VP-level and above leadership to influence business strategy with technical insight
  Lead architecture and design of large-scale, mission-critical systems for model inference, orchestration, and compliance
  Identify and solve systemic technical risks that impact the entire company and business-critical AI initiatives
• Represent Upstart internally and externally as a thought leader in GenAI systems through executive reviews, cross-company forums, and industry venues
  Establish operational standards for GenAI integrations, ensuring security, fairness, and reliability at scale
• Build high-leverage, generalizable platform components that meaningfully accelerate the productivity of engineers across Upstart
• Mentor senior engineers, other principal engineers, and shape the growth of future technical leaders, fostering a culture of learning and excellence

Minimum Qualifications

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience
• Deep expertise in LLM-specific infrastructure such as inference optimization (quantization, ONNX, streaming).
• Ability to design scalable RAG architectures and manage the lifecycle of models from experimentation to high-availability production environments including vector databases. 
• Proven experience building robust, automated evaluation pipelines using both heuristic metrics and 'LLM-as-a-judge' frameworks to ensure model accuracy and safety.
• Hands-on experience with LLM toolchains such as LangChain, LlamaIndex, or OpenAI APIs
• Experience designing and operationalizing ML/LLM platforms at scale, including optimization for cost, latency, and reliability and  the platform infrastructure needed to support them.
• Deep Expertise in best practices and risks for GenAI including hallucination mitigation, fairness, explainability, and data privacy

Preferred Qualifications

• 12+ years of experience and 5+ leading cross functional technical initiatives
• Proven ability to execute or guide model fine-tuning and alignment (RLHF/DPO) to optimize LLM performance for specialized consumer use cases and proprietary datasets.
• Full-stack engineering experience (Python, FastAPI, Kotlin, Spring, React/TypeScript, or similar)
• Deep expertise in backend systems and infrastructure technologies such as Kubernetes, Docker, Terraform, and cloud-native architectures

Position location This role is available in the following locations: Remote USA/Canada with quarterly travel.

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Director

The Team

Upstart’s Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams.

You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions.

As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform.

How You’ll Make an Impact

• Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products.

• Collaborate with data scientists and product managers to translate business goals into robust technical solutions.

• Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs.

• Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence.

• Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring.

• Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience.

What We're Looking For

Minimum Qualifications

• 5+ years of professional software development experience building scalable public or consumer-facing products.

• High level of proficiency coding in production with Python, and some experience with Java or Kotlin or similiar. 

• Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments.

• Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP).

• Strong problem-solving skills with an emphasis on scalability, performance, and system reliability.

• Excellent communication skills, able to explain complex technical topics to both technical and non-technical audiences.

• Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team.

• Exhibits a bias for action and comfort navigating ambiguity while driving towards impactful outcomes.

Preferred Qualifications

• Background in finance / fintech, financial mathematics, statistics, or machine learning preferred but not required

• History of thriving in diverse work environments: both collaborative and self-directed; remote and in-person.

• Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus).

• Recognized as a subject matter expert or technical owner for a critical domain, with a passion for sharing knowledge and best practices.

• Active contributor to the tech community through open source, technical talks, or mentorship.

Position Location - This role is available in the following locations: Remote US

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

#LI-REMOTE

#LI-MidSenior

The Team: 

Upstart’s Risk team is hiring to enhance its second line of defense function in support of its application to establish a national bank. The Risk team is responsible for Upstart’s enterprise risk management program and risk governance, as well as for providing independent oversight and credible challenge across the following risk categories: operational risk, treasury risk (including liquidity risk, interest rate risk, price risk, and capital management), and operational risk. We partner with first-line business functions, senior and executive leadership, and the board of directors to ensure effective identification and assessment, measurement, monitoring and reporting, and response and control for all core risk types and in alignment with regulatory expectations. 

Upstart is hiring a Senior Manager, Risk Analytics to build and own the Risk teams’ risk data and analytics program, including the Key Risk Indicator (KRI) program and framework and quantitative risk reporting infrastructure. This role will work with first-line risk owners and second-line risk subject matter experts to: design and develop robust and scalable risk data models to empower the Risk team to retrieve meaningful insights; establish key risk indicators (KRIs) for all risk categories; implement centralized aggregation, monitoring, and reporting of those KRIs; and enforce a consistent methodology for risk metric measurement, threshold setting and monitoring, and breach escalation protocol and response framework. Additionally, this role will provide risk data support to all second-line risk teams, and will be a key standard setter for cross-team GRC tool usage. By establishing and running a centralized, quantitative risk monitoring program for Upstart Bank, this role is a key component of the overall ERM program, and will be a partner to senior first-line risk owners and second-line risk experts across all domains, as well as a liaison to external stakeholders such as examiners and auditors on the risk metrics program. 

How you’ll make an impact

• Understand how data is produced and consumed at a deep level in order to design risk data pipelines and models and build curated data sets to support enterprise-wide risk monitoring and reporting
• Own and manage the KRI program, collaborating with first-line risk owners and second-line risk domain SMEs to design, track, and report on risk metrics across all risk types and business activities
• Build and maintain risk reporting infrastructure, including dynamic dashboards, snapshot reporting, and risk data infrastructure and aggregation capabilities using existing company data sets and tools (e.g., Looker, Jira, Mode)
• Meet consumers of risk data where they are by wearing an educator’s hat and training them on risk dashboards and tools
• Provide data and analytical support for enterprise risk assessments, management and board reporting, exam and audit requests, and ad hoc risk data requests
• Partner with leaders in Risk to translate risk program requirements into scalable, repeatable data and reporting solutions
• Support the setup, maintenance, and administration of the GRC tool for all Risk teams by defining cross-team 

Minimum Qualifications 

• Bachelor's degree or equivalent practical experience
• 7+ years of experience in risk analytics, or a related quantitative function in a banking or financial services environment
• Strong understanding of data modeling concepts in both transactional and analytical databases
• Demonstrated experience with risk data aggregation, KRI design and monitoring, or risk reporting infrastructure
• Expertise in SQL, Python and ETL optimization techniques; as well as data tools such as Looker, Mode, or comparable BI/analytics platforms

Preferred Qualifications

• Experience in a bank or OCC-regulated institution, particularly building risk monitoring programs in advance of regulatory examination
• Familiarity with OCC or Federal Reserve expectations for enterprise risk reporting and KRI frameworks
• Knowledge of quantitative risk measurement techniques such as scenario analysis or risk scoring methodologies
• Experience building automated data pipelines or dashboards for regulatory or executive reporting
• Experience implementing or managing a bank-grade GRC tool
• Strong project management skills with a track record of independently driving programs from design to implementation

Position location This role is available in the following locations: Remote, San Mateo, CA, and Columbus, OH

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE
#LI-MidSenior

The Team: 

Upstart’s Pricing Platform team builds the reusable, scalable, and reliable platform that powers pricing across all Upstart loan products, including unsecured, auto, and home loans. This team owns the core primitives that translate application data into the offers (APR) presented to customers, including eligibility, qualification, underwriting, and offer selection. 

As a Principal Product Manager at Upstart, you will define and drive the strategy for one of the most critical systems at Upstart—the platform that powers how we price loans and deliver offers to customers. This role sits at the intersection of infrastructure and product, requiring deep platform thinking and strong technical fluency. You will lead efforts to evolve a complex, high-impact system into a scalable, modular platform that accelerates innovation across all loan products. You will balance near-term reliability and quality improvements with long-term investments that unlock velocity and flexibility for engineering teams across the company.

How you’ll make an impact

• Define and execute the long-term vision for Upstart’s pricing platform, enabling scalable and reusable capabilities across multiple loan products
• Improve the reliability, quality, and availability of pricing systems, reducing risk and preventing high-impact failures in a business-critical system
• Drive platform evolution from a complex, monolithic architecture toward modular, service-oriented systems that increase engineering velocity
• Partner with engineering, machine learning, and product teams across unsecured, auto, and home lending to enable new pricing capabilities and use cases
• Balance competing priorities across stakeholders, making principled tradeoffs between short-term business needs and long-term platform investments
• Identify and unlock opportunities to accelerate product development by improving platform primitives and reducing dependency bottlenecks

Minimum Qualifications 

• BA/BS in Economics, Computer Science, Electrical Engineering, Mathematics, Statistics, a related technical field, or equivalent practical experience.
• 5-7 years of product management experience. 
• Experience building or managing backend platforms or infrastructure systems
• Experience working with engineering teams on large-scale, complex systems
• Experience defining product requirements and driving execution for technical products

Preferred Qualifications

• Experience working on pricing systems, ads platforms, or similar optimization systems
• Experience evolving monolithic systems into modular or service-oriented architectures
• Experience working in machine learning, data science, or analytics-driven environments
• Experience operating in highly cross-functional environments with multiple stakeholders

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

The Team: 

Upstart’s Servicing Analytics team plays a critical role of providing analytical capability for Upstart's servicing functions to enable data-driven decision making. We leverage our analytical and technical skills to support our partners with a multitude of services.. 

As the Staff Data Analyst on the Servicing Analytics team, you will play a pivotal role in influencing Upstart’s success. Partnering closely with our Servicing product management, operations, engineering, and ML teams, you’ll work directly with key stakeholders, helping drive understanding, insights, decision-making, and data infrastructure relating to the development, optimization, and enhancement of our recoveries and collections strategy. You’ll contribute to key areas such as identifying areas of opportunity via business reviews with leaders and product experiments, and driving operational efficiency. This role involves conducting in-depth analyses, building business intelligence pipelines, designing A/B tests, and collaborating with cross-functional teams to drive impacts. 

How you’ll make an impact

Lead the development of analytical capabilities to support servicing initiatives and drive efficiency improvements.Create regular executive level presentations to communicate findings and strategic recommendations. Design experiments and conduct quantitative analysis to test hypotheses about our users and the way they interact with our servicing initiatives, and collaborate with partners to prioritize the right problems and opportunities. Collaborate with analytics engineering and software engineering to continuously up-level our servicing data capabilities, making new data available as the business expands, and accelerate time to insights. Develop and maintain business intelligence tools to support reporting and decision-making. Mentor junior team members while fostering a culture of excellence in data and analytics, positioning the team as a hub of expertise and innovation

Minimum Qualifications 

• 8+ years work experience in increasingly senior analytical roles in technology and finance industry
• Strong background  in payments, product, or operations analytics, with hands-on proficient in SQL, Python and/or R
• Exceptional track record of deriving actionable insights from analysis and analytical storytelling
• Experience working with large datasets, unstructured data, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, Redshift, Tableau, Mode
• Degree in Economics, Statistics, Mathematics, Engineering, Data Science or other quantitative fields, providing a solid grounding in analytical and problem-solving skills essential for success

Preferred Qualifications

• Strong analytical and quantitative background with experience in conducting and evaluating A/B tests, ideally in Financial and/or Operational related fields
• Expertise in consumer lending, and knowledge of post origination servicing and/or operations
• Skilled at crafting executive-ready narratives around complex business topics and successfully influence VP+ decision making
• Demonstrated ability to work collaboratively and in deep partnership with cross-functional teams
• Demonstrated ability to balance multiple workstreams and priorities; experience influencing up and cross functionally to maximize positive impact to the organization
• Experience in coaching and mentoring junior team members on technical subjects

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team

Upstart’s Agentic Platform team is responsible for building the internal AI infrastructure that powers autonomous agents across the company. These agents support teams spanning Onboarding, Servicing, Fraud, and Operations by automating high-volume workflows and enabling faster, more consistent decision-making.

The team’s mission is to democratize AI development across Upstart by creating a platform that allows non-technical users to build, test, and deploy intelligent agents safely and efficiently. This includes developing tools for agent configuration, evaluation, orchestration, and integration with internal systems.

As a Principal Product Manager, you will own the long-term vision and strategy for this platform—defining how AI agents are built, governed, and scaled across Upstart. You will operate as a cross-functional leader, aligning engineering, research, legal, compliance, and operations teams around a shared roadmap and driving adoption of the platform across the company.

This would be a good fit for someone who has an experience as an ML Researcher/Engineer who made the transition into Product Management.

How you'll make an impact

• Set and drive the long-term vision and multi-year strategy for Upstart’s Agentic Platform, establishing it as a foundational capability across the company
• Own and evolve the platform roadmap, making high-leverage prioritization decisions that balance speed, safety, scalability, and business impact
• Lead the development of intuitive, high-quality product experiences that enable non-technical users to build, test, and deploy agents without writing code
• Establish best-in-class evaluation, simulation, and safety frameworks to ensure agents are reliable, compliant, and production-ready in a regulated environment
• Define the architectural strategy for agentic systems, including orchestration, tool usage, memory, retrieval (RAG), and state management
• Drive company-wide adoption by partnering with senior stakeholders across engineering, legal, compliance, and operations to identify opportunities and embed the platform into critical workflows
• Make strategic decisions on model lifecycle management (frontier vs. fine-tuned/distilled), optimizing for cost, latency, and performance at scale
• Define and standardize human-in-the-loop patterns, ensuring seamless and auditable transitions between agents and human operators
• Translate complex AI and system design concepts into clear, actionable direction for both technical and non-technical stakeholders
• Raise the bar for product management across the organization by mentoring other PMs and influencing best practice

Minimum Qualifications 

• BA/BS in Computer Science, Engineering, Mathematics, or a related technical field, or equivalent practical experience
• 8+ years of product management experience, including ownership of complex technical or platform products
• Strong foundation in machine learning concepts and modern AI systems (e.g., LLMs, RAG, tool-calling, memory)
• Experience leading cross-functional teams to deliver AI/ML-powered products from concept to production at scale
• Demonstrated ability to define product strategy and drive alignment across senior stakeholders in ambiguous, fast-moving environments
• Excellent problem-solving, communication, and organizational leadership skills

Preferred Qualifications

• Background in machine learning engineering or research (either through direct work experience or close partnership with ML teams)
• Experience building and scaling platforms or internal tools used by multiple teams
• Experience operating in highly regulated industries (e.g., fintech, healthcare), with a strong understanding of compliance and risk considerations
• Deep familiarity with evaluation frameworks, simulation environments, and model performance measurement
• Strong product intuition and design sensibility, particularly for tools serving non-technical users
• Track record of influencing org-level decisions and driving adoption of new platforms or technologies

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

The Team

Cash Line is Upstart’s new always on revolving credit product designed to expand access to responsible, fairly priced credit. Instead of a traditional rewards driven credit card model, Cash Line rethinks how credit is structured and priced, using AI driven underwriting to better separate risk and reduce the need for cross subsidized rewards.

We are a small, senior engineering team operating like a startup inside Upstart. The team owns the product end to end, from consumer facing experiences in the mobile app to the backend systems that power underwriting, pricing, servicing, and capital markets integrations.

This is a high ownership environment. The codebase is new. The architecture is still being shaped. You will work closely with product, growth, finance, compliance, and capital markets partners to build a category defining credit experience.

We are building with generative AI as a core capability from day one, both in the customer experience and in how we build and operate the product internally.

How you’ll make an impact:

• Design and deliver production grade backend systems that power a new consumer revolving credit product.

• Own services that support underwriting, pricing, line management, transactions, ledgering, and servicing with strong guarantees around correctness, reliability, and observability.

• Break down ambiguous product and economic requirements into clear technical designs and milestones, driving projects independently from design through launch and iteration.

• Partner with machine learning engineers to productionize models and integrate AI driven decisioning into real time user flows with strict latency and reliability constraints.

• Collaborate closely with mobile engineers to ensure backend systems support seamless, high quality consumer experiences.

• Contribute to architectural decisions in a greenfield environment while integrating thoughtfully with Upstart’s broader lending platform.

• Apply generative AI in practical ways, shaping customer facing AI features as well as internal tooling, automation, testing, and developer productivity workflows.

• Raise the bar for engineering rigor through strong API contracts, data modeling, testing strategy, monitoring, and operational excellence.

What we’re looking for: 

Minimum requirements:

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience

• Strong experience designing distributed systems and event driven architectures, including handling real world concerns such as idempotency, retries, race conditions, data consistency, and failure recovery.

• Proficiency in an object oriented programming language such as Python, Java, Kotlin, C#, or Ruby, and experience designing APIs and working with relational databases and caching layers.

• Experience shipping consumer facing features end to end, with a clear understanding of performance, reliability, and user impact.

• Fluency with generative AI systems in production, including hands on experience building, integrating, or operating Gen AI powered features or workflows. Comfortable working with LLM APIs, prompt design, evaluation, guardrails, and monitoring in real world systems.

• Demonstrated ability to operate autonomously, lead medium to large scoped projects, and make sound technical tradeoffs in ambiguous environments.

• Strong communication skills and comfort collaborating closely with cross functional partners across product, finance, compliance, and operations.

Preferred qualifications:

• Experience in fintech, credit, payments, or other regulated financial systems.

• Familiarity with revolving credit products, transaction processing systems, or ledger based architectures.

• Experience building systems that bridge consumer applications and capital markets or funding infrastructure.

• Experience building systems that bridge consumer applications and capital markets or funding infrastructure.

• Entrepreneurial mindset—comfortable in dynamic environments, with a bias toward action and ownership.

• Strong product instincts and interest in understanding the economics behind pricing, risk, and unit economics.

• Hands on experience applying generative AI to customer facing features, internal tools, or engineering workflows.

• Entrepreneurial mindset with a bias toward ownership, speed, and practical impact.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Growth team is focused on expanding access to affordable credit for millions of Americans. The team combines marketing, data, and technology to scale customer acquisition in efficient and measurable ways. Direct Mail is a core channel within Growth and plays a critical role in reaching new borrowers and driving business performance.

As the Senior Performance Marketing Manager, Direct Mail and Offline Growth, you will own one of Upstart’s most impactful acquisition channels end-to-end, with a primary focus on our Home Equity Line of Credit (HELOC) product. This is one of the company’s fastest-growing and most strategically important offerings. You will define channel strategy, optimize targeting and creative, and lead execution to drive efficient, incremental growth. This role offers significant ownership, including P&L responsibility, and the opportunity to solve complex, high-impact problems in partnership with cross-functional teams.

How you’ll make an impact

• Own end-to-end Direct Mail strategy and execution for HELOC, including audience targeting, creative development, testing, and campaign operations
• Build our broader offline growth channels (OOH, linear TV, and brand testing)
• Manage and optimize millions in annual spend, with accountability for ROI and incremental business impact
• Partner with Machine Learning and Data Science teams to develop and refine targeting models that improve customer acquisition efficiency
• Design and execute rigorous testing frameworks (e.g., incrementality, geo-lift, A/B testing) to evaluate performance and inform strategy
• Analyze campaign and customer data to generate insights and translate findings into actionable growth opportunities
• Develop new playbooks to reach and convert underserved or underperforming customer segments, including emerging HELOC use cases
• Collaborate cross-functionally with Product, Engineering, Analytics, and Creative to scale channel performance and influence roadmap decisions
• Communicate strategy, performance, and insights to leadership, connecting channel outcomes to broader business goals

Minimum Qualifications 

• Bachelor’s degree or equivalent practical experience
• 5+ years of experience in performance marketing, growth marketing, or analytics-driven marketing roles
• Experience owning and executing end-to-end marketing campaigns, including strategy, testing, and performance analysis
• Experience managing marketing budgets and optimizing for measurable ROI or P&L outcomes
• Experience designing and analyzing controlled experiments (e.g., A/B testing, incrementality testing, or similar methodologies)

Preferred Qualifications

• Experience with Direct Mail marketing strategy, execution, or channel ownership
• Experience working across multiple marketing channels (e.g., digital, offline, lifecycle)
• Knowledge of measurement frameworks such as incrementality testing, geo-lift, or attribution modeling
• Experience working in regulated industries such as financial services, insurance, or healthcare
• Skills in SQL, Looker, or similar tools to analyze and interpret large datasets

Position location This role is available in the following locations: Remote 

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Our Servicing Engineering teams are building intelligent systems that personalize borrower experiences using machine learning. Today, most borrowers are treated the same, regardless of their financial situation. We’re changing that.

As a Senior Software Engineer in this role, you’ll redefine how servicing decisions are made. You’ll turn machine learning models and signals into systems that shape real borrower interactions, including who we reach, how we engage, and which strategies we apply.

You’ll evolve and scale our decisioning and experimentation systems to support faster iteration and more reliable measurement of strategy performance against borrower and business outcomes. Reporting to a Senior Engineering Manager, you’ll partner closely with Product and Machine Learning teams to run experiments, productionize model outputs, and build feedback loops that connect real-world outcomes back to model and strategy improvements.

How you’ll make an impact

• Improve how Servicing decisions are made by embedding machine learning models into product and operational workflows.
• Enable faster learning and safer iteration by advancing our experimentation platform and improving how we evaluate strategy performance.
• Increase the effectiveness of personalization strategies by designing and running controlled experiments that translate into measurable improvements.
• Scale model-driven decisioning through resilient feature pipelines and real-time data integrations.
• Define clear metrics and guardrails to ensure ML-powered systems remain measurable, explainable, and compliant as they shape more Servicing decisions.

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• Experience owning delivery of ML-powered features from design through production deployment and measurement.
• Hands on experience designing or contributing to experimentation systems, including running controlled experiments in live environments.
• Experience building and maintaining data processing systems or pipelines that support model-driven decisioning.

Preferred Qualifications

• Experience with building or scaling ML-powered ranking, personalization, or recommendation systems in production environments.
• Applied advanced experimentation methods beyond standard A/B testing.
• Demonstrated incorporation of fairness, explainability, or governance considerations into ML-powered decision systems.
• Led technical design decisions for distributed systems supporting ML-driven workflows.

Position location This role is available in the following locations: Remote 

In-Office requirements.  You will be required to work from the San Mateo, CA or Columbus, Ohio headquarters one week per quarter.  

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Borrower Experience (BX) team is responsible for building and evolving the borrower-facing servicing experience across web, mobile, and AI-powered channels. The team focuses on reducing borrower friction, improving payment success, and enabling clear, self-serve paths for borrowers post-origination.

As a Senior Software Engineer, Borrower Experience at Upstart, you will work across full-stack systems and AI-powered surfaces to deliver intuitive borrower experiences. You will lead the design and development of scalable, high-impact solutions that enable borrowers to understand their options and take the right actions while shaping a cohesive and trusted servicing experience.

How you’ll make an impact

• Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success
• Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume
• Build and maintain full-stack systems integrating backend services with modern frontend frameworks
• Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes
• Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions
• Contribute to architectural decisions and lead initiatives that unify systems into a cohesive borrower experience

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• 4+ years of professional software engineering experience building scalable web and/or mobile applications
• Proficiency in one or more programming languages and modern development frameworks
• Experience designing and building APIs, microservices, and distributed systems in a cloud environment
• Experience leading projects spanning multiple engineers or systems

Preferred Qualifications

• Experience building or integrating LLM-powered or agentic systems
• Familiarity with experimentation platforms and analytics tooling
• Experience developing customer-facing financial or fintech products
• Knowledge of modern frontend frameworks and deployment platforms
• Experience working across multiple teams to deliver cohesive user experiences
• Ability to design systems with reliability, safety, and explainability considerations

Position location This role is available in the following locations: Remote 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Borrower Experience (BX) team is responsible for building and evolving the borrower-facing servicing experience across web, mobile, and AI-powered channels. The team focuses on reducing borrower friction, improving payment success, and enabling clear, self-serve paths for borrowers post-origination.

As a Software Engineer at Upstart, you will work across full-stack systems and AI-powered surfaces to deliver intuitive borrower experiences. You will design and build scalable solutions that help borrowers understand their options and take the right actions while contributing to a cohesive and trusted servicing experience.

How you’ll make an impact

• Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success
• Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume
• Build and maintain full-stack systems integrating backend services with modern frontend frameworks
• Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes
• Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions
• Contribute to architectural decisions that unify systems into a cohesive borrower experience

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience
• 3+ years of professional software engineering experience building scalable web and/or mobile applications
• Proficiency in one or more programming languages and modern development frameworks
• Experience designing and building APIs, microservices, and distributed systems in a cloud environment
• Experience delivering projects spanning multiple systems or engineers

Preferred Qualifications

• Experience building or integrating LLM-powered or agentic systems
• Familiarity with experimentation platforms and analytics tooling
• Experience developing customer-facing financial or fintech products
• Knowledge of modern frontend frameworks and deployment platforms
• Experience working across multiple teams to deliver cohesive user experiences
• Ability to design systems with reliability, safety, and explainability considerations

Position location This role is available in the following locations: Remote 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

The Delivery team enables engineers at Upstart to build, test, and ship software safely through a reliable, secure, and auditable delivery system. The team owns the build and release pipeline, service creation experience, and the engineering portal, and leads cross-functional efforts to eliminate friction across the software delivery lifecycle.

Our goal is to make shipping software fast and predictable. We are working toward a model where engineers can go from idea to production in a single day through self-service workflows that minimize manual coordination and operational overhead.

This includes evolving CI/CD infrastructure, standardizing service creation, embedding observability and reliability by default, and providing a unified platform for service lifecycle management. The team operates at the center of engineering productivity and partners closely with platform, SRE, and product engineering teams to deliver scalable, high-leverage solutions.

As a Senior Engineering Manager of the Delivery team you will lead a team responsible for improving the reliability, speed, and usability of Upstart’s software delivery platform. Your focus is execution. You will drive high-impact improvements to developer workflows, reduce friction in the path to production, and ensure systems are scalable, observable, and easy to operate.

You will partner closely with platform, SRE, and product engineering teams to advance a self-service delivery model where engineers can build, deploy, and operate services with minimal manual coordination.

This role is suited for a hands-on leader who brings strong technical judgment, drives consistent execution, and builds high-performing teams. You will balance near-term delivery with incremental platform improvements that make software delivery more predictable and reliable across the organization.

How you’ll make an impact

You will lead a team delivering critical improvements to engineering velocity and system reliability.

• Team Leadership and Execution
  • Manage and develop a team focused on CI/CD, service lifecycle tooling, and developer experience
  • Drive execution against clear priorities with consistent, high-quality delivery
  • Establish strong engineering practices across reliability, testing, and observability
  • Build a culture of ownership, continuous improvement, and pragmatic decision-making
• Delivery Platform Evolution
  • Improve build and deployment workflows to increase speed and reduce friction
  • Drive adoption of standardized deployment patterns across services
  • Simplify and modernize delivery infrastructure while maintaining stability
  • Ensure systems are scalable, secure, and resilient
• Developer Experience and Self-Service
  • Enable self-service workflows for service creation, deployment, and platform integrations
  • Reduce manual coordination, support tickets, and reliance on tribal knowledge
  • Partner with stakeholders to identify pain points and prioritize high-leverage improvements
  • Contribute to the engineering portal as the central interface for service lifecycle operations
• Reliability and Operational Excellence
  • Embed observability and operational standards into delivery workflows
  • Ensure systems support safe, auditable, and predictable releases
  • Reduce toil and improve system health through targeted improvements

Minimum Qualifications 

• 5+ years of engineering management experience
• 7+ years of experience in software engineering, DevOps, or platform engineering
• Strong technical background in CI/CD systems, cloud infrastructure such as AWS, and distributed systems
• Ability to define clear team charters and execute with speed and alignment
• Track record of hiring, mentoring, and retaining high-performing engineers
• Execution-focused leadership with a track record of predictable delivery
• Technical depth to guide architectural decisions and trade-offs
• Systems thinking across reliability, scalability, and developer experience
• Strong cross-functional collaboration

Preferred Qualifications

• Experience with managing large-scale CI/CD systems such as Jenkins or GitHub Actions
• Experience building or improving self-service developer platforms
• Familiarity with microservices architectures and service lifecycle management
• Experience supporting platform or architectural transitions
• Strong product mindset when building internal tools

Position location This role is available in the following locations: Remote - US, Remote - Canada

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Site Reliability Engineering (SRE) team owns the reliability, resiliency, and observability of Upstart’s production systems. We build automation, tooling, and frameworks to ensure our infrastructure is healthy, scalable, and able to support a seamless experience for both engineers and customers. Our scope includes defining Upstart’s technology operations risk strategy, implementing disaster recovery planning, and setting company-wide reliability standards.

As a Principal Engineer on the SRE team at Upstart, you will serve as a thought leader and SRE evangelist - driving adoption of best practices, mentoring engineers across the organization, and influencing both technical and business decisions. Your impact will extend beyond SRE into cross-functional collaboration with Product Engineering, DevEx, Development Productivity (Quality), DevOps, Data Engineering, and Machine Learning teams to elevate operational excellence across the company.

How you’ll make an impact

• Lead the definition, advocacy, and adoption of SRE principles across engineering teams
• Partner with leadership to shape long-term reliability, resiliency, and observability strategies
• Champion distributed tracing, real user monitoring (RUM), and key performance metrics such as Largest Contentful Paint (LCP) to improve system visibility and user experience
• Build and scale self-healing systems to minimize manual intervention and reduce downtime
• Drive enterprise-wide improvements to incident response processes, including those related to Machine Learning systems
• Collaborate closely with Development Productivity and Quality teams to improve engineering velocity without sacrificing reliability
• Influence technical and operational roadmaps through data-driven insights and hands-on technical contributions
• Own and deliver cross-functional initiatives from concept through execution, applying program management skills to align stakeholders and achieve results

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience
• Combined experience with both Software Engineering and Site Reliability Engineering, with a balanced background in both disciplines
• Proven track record as an SRE thought leader and evangelist, driving adoption of reliability best practices across organizations
• Strong communication and mentoring skills to influence engineers across disciplines
• Proficiency in Python, Go, JavaScript/TypeScript
• Proficiency with Infrastructure as Code (Terraform, CDK, CloudFormation, etc.)
• Experience building internal tooling from scratch in agile development environments
• Expertise with observability, distributed tracing, RUM, LCP, and performance monitoring tools (e.g., Datadog, Prometheus)
• Experience with on-call and incident management, including large-scale or ML-related incidents
• Strong background in automation and building self-healing systems
• Hands-on experience with LLM/GenAI to improve SRE efficiency and processes
• Program management skills, including the ability to propose innovative solutions, influence leadership, improve processes, and drive cross-functional projects to completion

Preferred Qualifications

• Experience with service mesh
• Full stack development skills
• Experience building or extending observability platforms
• Background in Development Productivity or Quality Platforms
• Experience in high-scale SaaS, microservice-oriented cloud environments

Position location This role is available in the following locations: Remote-US, Remote-Canada

Time zone requirements The team operates on the East/West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Offer Delivery (PLG) Team is focused on driving growth by deepening relationships with our existing users. Our vision is to create an always-available credit experience that continuously guarantees access to Upstart’s credit products for all users. Make credit access instant, predictable, and effortless through intelligent offer generation and merchandising that will engage our users with relevant, timely offers that enhance their financial journey.

As a Senior Engineering Manager at Upstart, you will play a crucial role in shaping how we drive user growth and engagement through intelligent targeting, strategic product recommendations, and best-in-class offer generation infrastructure that scales. You’ll be responsible for generating personalized offer experiences, enhancing out-of-funnel cross-sell strategies, advancing our offer orchestration infra, optimizing cost, and closely working with our ML team to produce better outcomes for our users  . Your work will directly contribute to growing our existing and newer products, increasing customer lifetime value and helping more users access the right financial products at the right time.

How you’ll make an impact

• Define and implement an engineering roadmap that supports intelligent and personalized offer and product recommendations to our user base
• Work with cross functional partners including Product Managers, Product Marketing Managers, and Research Scientists to make this a highly impactful program
• Lead, coach, and develop a high-performing engineering team directly, focused on providing high quality solutions and incrementally enhance systems with each pull request.
• Leverage experimentation and data-driven insights to refine growth strategies, optimizing user engagement and conversion through continuous testing, iteration, and personalization.
• Create a best-in-class offer generation infrastructure that scales with our user base and all Upstart products. 

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience, including at least 3 years of direct people management experience.
• Experience leading product oriented teams with quantifiable user impact 
• Ability to convey complex technical information to a variety of audiences

Preferred Qualifications

• Experience with growth engineering product stacks (Optimizations, Experimentation, Personalization, Recommendation Systems, etc)
• Experience working on a product with marketplace dynamics
• Proven track record of leading and growing engineering teams
• Success in driving initiatives spanning multiple teams across organizations
• Skilled in scaling systems in both a technical and organizational capacity

Position location This role is available in the following locations: Remote 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

What you'll love: 

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
• Employee Stock Purchase Plan (ESPP)
• Life and disability insurance
• Generous holiday, vacation, sick and safety leave  
• Supportive parental, family care, and military leave programs
• Annual wellness, technology & ergonomic reimbursement programs
• Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
• Catered lunches + snacks & drinks when working in offices

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart's Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while having a direct impact on Upstart's mission and growth. The team is responsible for some of our highest value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with our customers on these channels.  

As a Senior Engineering Manager at Upstart, you will play a crucial role in shaping how we drive user growth and outreach through intelligent targeting, 3P integrations, and data-heavy scalable infrastructure. You’ll be responsible for the tech behind some of our largest marketing channels and have a direct impact on the company’s performance. You will work closely with cross-functional counterparts in Analytics, Marketing, Machine Learning, and Product to create a scalable marketing platform that mobilizes Upstart’s owned channels to drive users to our products efficiently. 

How you’ll make an impact

• Define and implement an engineering roadmap that supports intelligent and scalable outreach to customers via our direct mail, digital, and partnerships platform
• Work with cross functional partners including Product Managers, Performance Marketing Managers, Analytics, and Research Scientists to make this a highly impactful program
• Lead, coach, and develop a high-performing engineering team directly, focused on providing high quality solutions and incrementally enhance systems with each pull request
• Leverage experimentation and data-driven insights to refine growth strategies, optimizing user outreach and conversion through continuous testing, iteration, and personalization
• Create a best-in-class direct mail and digital infrastructure that scales

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience, including at least 3 years of direct people management experience.
• Experience leading product oriented teams with quantifiable user impact 
• Ability to convey complex technical information to a variety of audiences

Preferred Qualifications

• Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data
• Professional experience working on either Marketing technology or Growth engineering
• Proven track record of leading and growing engineering teams
• Success in driving initiatives spanning multiple teams across organizations
• Skilled in scaling systems in both a technical and organizational capacity

Position location This role is available in the following locations: Remote 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior 

The Team: 

Upstart’s Data Curation team builds and operates the data platform that powers how teams across Upstart discover, trust, and use data. The team provides scalable infrastructure, metadata systems, and self-serve tooling that enable analysts, machine learning engineers, and product teams to work with Lakehouse data efficiently and confidently.

As a Senior Data Platform Engineer on the Data Platform team, you will design and build the systems that make data accessible, reliable, and usable at scale. Your work will directly improve how teams understand, query, and leverage data across Upstart, driving productivity and enabling better decision-making.

How you’ll make an impact

• Design and build scalable data platform infrastructure, including distributed systems that power data discovery, metadata management, and data access
• Develop and maintain tooling that enables teams to self-serve data transformations, testing, and deployment workflows within the Lakehouse
• Improve data reliability and observability by building systems for monitoring, alerting, and data quality validation
• Partner with machine learning engineers, analysts, and product teams to understand data needs and drive adoption of platform capabilities
• Contribute to platform evolution in areas such as metadata services, natural language data access, and AI-enabled data interactions
• Lead and influence technical design decisions, balancing short-term delivery with long-term platform scalability and maintainability

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) plus 4+ years of experience
• Experience building and operating distributed data systems or data platform infrastructure in a cloud environment (e.g., AWS)
• Proficiency in at least one programming language such as Python, Java, Scala, Javascript or Kotlin
• Experience working with data processing frameworks or infrastructure (e.g., Spark, Kafka, Airflow, or similar technologies)
• Experience designing, deploying, and maintaining production-grade data systems, including monitoring and reliability practices

Preferred Qualifications

• Experience building or supporting data platforms, developer tooling, or internal infrastructure products
• Knowledge of metadata management, data cataloging, or data governance systems
• Experience working with Lakehouse architectures, Databricks, or similar modern data platforms
• Ability to collaborate effectively with cross-functional stakeholders and translate data concepts into practical solutions
• Interest in applying AI/ML capabilities to improve data accessibility, discovery, or user experience

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

The Team: 

Upstart’s Cloud Platform team sits within the Reliability organization and is responsible for building and operating the shared cloud infrastructure that powers all product and machine learning workloads. The team owns core platform components across Kubernetes (EKS), AWS infrastructure, service mesh, identity, and developer tooling, enabling reliability, scalability, and security across the business.

As a Senior DevOps Engineer at Upstart, you will help evolve this platform to support increasing scale and complexity. You’ll partner closely with SRE, Delivery, InfoSec, and product/ML teams to improve reliability, developer experience, and cost efficiency across a platform used by nearly every engineering team.

How you’ll make an impact

• Design and operate a fleet of Kubernetes (EKS) clusters across production, staging, and ephemeral environments, ensuring reliability and high availability
• Evolve AWS infrastructure and network architecture (VPCs, subnets, IAM, account structure) to support scalable, multi-team workloads
• Build and maintain infrastructure-as-code and GitOps workflows using tools such as Terraform, CDK, and ArgoCD
• Improve platform reliability and performance by defining and driving SLOs, analyzing incidents, and implementing systemic fixes
• Participate in and help improve the on-call rotation, leading incident response and post-incident reviews to drive systemic platform improvements
• Partner with SRE, Delivery, InfoSec, and product/ML teams to land high-impact infrastructure changes and platform standards
• Drive improvements in developer experience by simplifying platform usage, reducing toil, and enabling faster product and ML development
• Contribute to cost efficiency initiatives by optimizing resource utilization across Kubernetes and cloud infrastructure

Minimum Qualifications 

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) plus 4+ years of experience
• Experience operating Kubernetes in production environments, including cluster networking, storage, and RBAC
• Proficiency with AWS infrastructure, including VPC design, networking, and IAM
• Proven expertise in  implementing infrastructure-as-code using tools such as Terraform or AWS CDK
• Experience implementing GitOps workflows using tools such as ArgoCD or similar
• Ability to influence technical decisions across teams and drive adoption of platform standards

Preferred Qualifications

• Knowledge of service mesh technologies such as Istio or Envoy
• Experience designing or operating multi-cluster Kubernetes architectures
• Experience with cloud networking at scale, including ingress/egress or edge platforms (e.g., Cloudflare)
• Knowledge of cloud security, identity, and compliance frameworks (e.g., IAM, SOC 2, CIS benchmarks)

Position location This role is available in the following locations: Remote 

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

The Team: 

Upstart’s ASPL team is on a mission to provide effortless access to compelling auto-secured lending products. We are focused on expanding eligibility, reducing friction throughout the borrower journey, and building the platform capabilities that allow us to bring new secured lending experiences to market. We work closely with product, design, analytics, operations, legal, and compliance partners to deliver customer experiences that are fast, clear, and trustworthy in a regulated environment.

As the Senior Engineering Manager for ASPL, you will lead a high-impact engineering team responsible for increasing eligibility, improving conversion, and building new product capabilities that help Upstart serve a larger portion of the population. You will set execution priorities, remove blockers, and develop engineers to ship reliable, observable, and maintainable systems.

How you’ll make an impact

• Lead and develop a team of engineers working across borrower-facing flows, backend services, and platform capabilities that increase eligibility and reduce friction.
• Partner with cross-functional stakeholders to define roadmaps, shape requirements, and deliver solutions that balance growth, customer experience, and risk.
• Drive execution on cross-functional initiatives that expand access to auto-secured lending and enable new product capabilities.
• Improve the speed, quality, and reliability of delivery by setting clear priorities, raising engineering standards, and building healthy execution mechanisms.
• Use data to identify funnel bottlenecks, evaluate tradeoffs, and guide investments that improve conversion, automation, and operational efficiency.
• Coach engineers and technical leaders, grow team capability over time, and build an inclusive team culture grounded in ownership and continuous improvement.

Minimum Qualifications 

• 8+ years of experience building and operating production software systems, including distributed systems or cloud-based applications.
• 3+ years of experience managing software engineers.
• Experience leading cross-functional engineering initiatives from planning through production launch.
• Experience working on customer-facing products with measurable business outcomes.
• Experience partnering with product, design, and non-engineering stakeholders to deliver solutions in a fast-moving environment.

Preferred Qualifications

• Experience delivering products in fintech or another regulated industry.
• Ability to use metrics and experimentation to identify opportunities and make product and engineering tradeoffs.
• Experience leading teams through periods of rapid product or organizational growth.
• Experience supporting both new product development and ongoing platform or systems improvements.

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-MidSenior --> use for L5, L6

The Team: 

The Machine Learning & Simulations Platform (MLSP) team builds and operates the core infrastructure that powers ML model training, inference, and marketplace simulation at Upstart. Our platform is foundational to the company’s success—every underwriting, fraud, conversion, and verification model runs here. We also provide the simulation capabilities that help teams experiment safely and assess business impact without requiring costly live experimentation.

We are on a mission to reimagine our infrastructure to support the growing complexity of our ML models, the demand for low-latency inference, and the accuracy needed to simulate the dynamics of our borrower-lender marketplace at scale. The team partners closely with Engineering, ML, Product, and Finance  to accelerate innovation while safeguarding performance and integrity.

As a Principal Software Engineer focused on Machine Learning Simulations at Upstart, you will be responsible for building an MLOps platform to support machine learning model inference, process automation, model deployment, and observability. Machine Learning is critical to Upstart’s core business, and our greatest competitive advantage lies in the fact that we’re able to innovate on our AI engine quickly. You will also help build a  marketplace simulation platform to support rapid innovation across ML and Finance teams.

How you’ll make an impact

• Build, maintain, and optimize Upstart’s next-generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning
• Develop high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business
• Enable the  modernization of our serving infrastructure, reducing inference latency to just a few seconds for our most complex models
• Design and contribute to  our simulation systems to more accurately reflect production environments, reducing simulation cost and enabling broader usage across teams
• Communicate closely with cross-functional partners from  ML, Engineering, Product, and Data Engineering  teams, keeping all stakeholders informed
• Mentor engineers across the team, sharing expertise on distributed systems, MLOps, and scalable architecture

Minimum Qualifications  

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience
• Experience building or contributing to platforms or systems that support machine learning model simulation
• Experience building self-serve or configuration-driven tooling for internal stakeholders
• Experience building and maintaining backend software services and APIs
• Proficiency with some or more of the following: Python, Kotlin, Databricks, and AWS
• Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others.
• Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders
• Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback

Preferred Qualifications

• Familiarity with model serving technologies like Ray, and experimentation frameworks
• Proficiency with Flask, FastAPI, Metaflow, MLflow, gRPC, Kafka, Spark/PySpark, ETL/ELT, Redshift (or similar)
• Excellent quantitative reasoning skills with interest in working at the intersection of engineering and machine learning
• Strong sense of ownership and accountability for the quality and timely delivery of work
• Proven ability to effectively analyze and solve complex problems
• Excellent written and verbal communication skills with stakeholders, peers and product owners
• Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic

Position location This role is available in the following locations: Remote-US

Time zone requirements The team operates on the East/West coast time zones.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-MidSenior

The Team: 

Upstart’s Technical Program Manager team is responsible for driving execution of the company’s most critical engineering initiatives. The TPMs operate at the intersection of product and engineering, delivering complex business outcomes that span multiple teams and systems. Current focus areas include 1/ improving engineering velocity through platformization and reducing system complexity, 2/ strengthening org-wide operational excellence, and 3/ increasing Upstart’s ML advantage by streamlining data evaluation and productization. 

As a Principal TPM at Upstart, you will operate as a force-multiplier in ambiguous problem spaces by bringing structure, clarity, and momentum to initiatives that would otherwise stall. Successful TPMs demonstrate a relentless sense of ownership over outcomes and can flex both strong technical and product judgement. In addition to delivering programs, you will shape how the organization executes at scale by influencing how we plan, prioritize, and deliver work. 

How you’ll make an impact

• Own system-level outcomes, ensuring initiatives deliver measurable business value instead of just ticking off feature completion checkboxes
• Bring clarity to ambiguity by aligning goals, defining milestones, translating high-level designs into actionable implementation details, and ensuring cross-team dependencies are clearly understood
• Proactively identify and mitigate critical risks early to de-risk delivery before failure happens
• Drive critical decisions by surfacing tradeoffs, clarifying priorities, and aligning stakeholders on a path forward
• Create and maintain a single, trusted view of program health to provide stakeholders at all levels with insights into progress, risks, and changes
• Partner with engineering and product leaders to balance feature delivery with long-term system scalability, reliability, and maintainability

Minimum Qualifications 

• BA/BS in Computer Science, Engineering, Mathematics, or a related technical field, or equivalent practical experience
• 8+ years of technical program management, product management or related experience in a software engineering environment
• Experience leading large-scale, cross-functional programs spanning multiple engineering teams and systems
• Experience leading complex technical initiatives from concept through launch, including defining scope, success metrics, and execution strategy
• Experience working on distributed systems, service-oriented architectures, and system design at scale

Preferred Qualifications

• Strong judgment and prioritization skills; able to navigate trade-offs with confidence and clarity across both technical and business domains.
• Excellent written and verbal communication skills; able to explain complex technical topics to diverse audiences
• Track record of driving adoption of new processes, tools, or engineering standards across entire organizations
• Proven ability to influence senior and executive stakeholders on ambiguous, high-impact initiatives
• Experience increasing engineering velocity by driving improvements in tooling, automation, or AI-based solutions

Position location This role is available in the following locations: Remote

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE