Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters can live and work anywhere in the U.S. We also have offices in San Mateo, CA, Columbus, OH, and Austin, TX. 

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we'd love to hear from you!

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team &nbsp; Machine Learning is at the heart of Upstart’s business model, our models are the product. Our team includes research scientists, data scientists, and machine learning engineers who build and improve production models and the systems around them across the funnel: underwriting and pricing, fraud detection, performance marketing, loan servicing&nbsp; and fair lending/explainability. We tackle high‑impact problems, from underwriting and pricing to monitoring and fairness, where creativity, rigor, and strong engineering directly move the business. &nbsp; The Role &nbsp; As a Research Scientist Intern, you will work on real-world applied machine learning problems and contribute to the development of business-critical models. You will prototype new features/architectures, present your findings to the team and write production code to deploy your changes.You will receive mentorship from experienced ML practitioners and collaborate closely with ML scientists to improve our models. &nbsp; How you’ll make an impact Research, develop and deploy new features/architectures/models. Write production-grade code, i.e. tested, reviewed and scalable Python. Communicate findings clearly to get buy-in for recommended next steps. Work with your mentor to align stakeholders, and drive next steps. &nbsp; Minimum Qualifications&nbsp; Bachelor (or above) degree in Statistics, Mathematics, Economics, Finance, Computer Science or a related quantitative field. We require that you are on track to graduate by the summer of 2027. Proficiency in a broad array of mathematical, statistical, and machine learning skills. Programming skills in Python Strong sense of intellectual curiosity, humility, drive and teamwork, as well as communication skills. Ability to use modern agentic tooling (Claude Code, Codex, …) efficiently. &nbsp; Preferred Qualifications Phd in Statistics, Mathematics, Economics, Finance, Computer Science or a related quantitative field. We require that you are on track to graduate by the summer of 2027. Specialized research in statistical/probabilistic modeling or machine learning. OR specialized training (e.g. data science bootcamp) in all steps of the modeling process from ideation to productionalizing code. Excellent coding skills in Python. Position location This role is available in the following locations: Remote&nbsp; 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-Internship At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$141,000&mdash;$150,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Research Scientist Intern

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s legal team is a key component of the company, helping Upstart innovate in the AI and fintech space across multiple products and supporting its mission of expanding access to credit based on true risk. We are a team of savvy, hardworking and genuinely nice individuals collaborating closely with the business in achieving its objectives. As the Senior Paralegal, Corporate at Upstart, you will serve as a key operator supporting Upstart’s public company reporting and corporate governance processes. You will partner closely with others on the Corporate Legal team and cross-functional stakeholders to manage board and committee workflows, subsidiary governance, SEC reporting logistics, Section 16 reporting, and other miscellaneous corporate matters. This role is critical to ensuring strong execution, precise documentation practices, and scalable infrastructure across the organization. &nbsp; How you’ll make an impact Assist with the preparation and coordination of corporate and SEC filings, including Forms 10-K, 10-Q, 8-K, proxy statements, and Section 16 reports Support corporate governance activities and maintenance of board and committee processes, including drafting minutes, resolutions, and agendas, maintaining records, and coordinating D&amp;O questionnaires Oversee subsidiary management, including entity records, officer and director tracking, organizational charts, annual filings, and related governance documentation Support legal aspects of acquisitions, financings, and capital market transactions, including data room management and due diligence requests, assisting with closing documents, and organizing signature collection. Work with other members of the Legal team as well as other company functional departments on special projects and initiatives Manage U.S. state and local filings, business licenses, and various business entity documents with governmental agencies. Design, develop, and implement or improve systems and processes to increase efficiency, support scalability, and ensure quality &nbsp; Minimum Qualifications&nbsp; Bachelor’s degree and paralegal certification 7+ years in a corporate paralegal role at a public company or major law firm Experience of supporting SEC reporting, including Forms 10-K, 10-Q, proxy statements, and Section 16 filings Proven support of Board of Directors and committee governance processes Demonstrated responsibility for corporate records, minute books, and subsidiary management Preferred Qualifications Background in a high-growth technology company Proficiency with Workiva (Wdesk), Boardvantage, EDGAR, and Google Workspace Administration of insider trading compliance programs and Rule 10b5-1 plans Participation in debt or equity offerings and M&amp;A transactions Familiarity with SOX-related disclosure controls and public company compliance frameworks Track record of improving governance workflows or implementing legal technology solutions A self-starter mentality with the ability to thrive working under limited direction and an attitude that no job is too challenging or too small. &nbsp; Position location: Remote with a preference for SF Bay Area 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$129,000&mdash;$178,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Paralegal

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; The HR Operations team is the engine behind the extraordinary—designing seamless systems and experiences that make the complex feel effortless and enable Upstarters to do great work. We build the infrastructure that powers onboarding, policy management, compliance, and more, ensuring every Upstarter can thrive across their career journey. By creating scalable tools, processes, and governance—and partnering with People and business stakeholders—we turn complexity into clarity and create the foundation for employees to succeed. As the HR Operations Onboarding Specialist at Upstart, you will coordinate onboarding activities, manage data workflows across internal People, Recruitment, and IT systems, and ensure compliance with background and I-9 requirements. You’ll serve as a go-to partner for internal teams and new hires, driving a seamless and delightful day 1 experience for new employees. How you’ll make an impact Operate with trust &amp; integrity: You treat sensitive information with care, knowing that trust is the foundation of great working relationships. Whether you're reviewing background checks, processing new hire transactions in Workday, or ensuring I-9s are completed compliantly, you handle data with professionalism, discretion, and a deep sense of responsibility. Communicate to connect: You know how to tailor your message to meet your audience—whether it’s a quick Slack to a teammate or a clear, timely email to a new hire or hiring manager. You ensure candidates, managers, the People team, and cross-functional partners are aligned and informed every step of the way. Own the outcome: You take initiative, move fast, and follow through. You coordinate laptop shipments, and address confirmations without missing a beat. If issues arise—whether it’s a data discrepancy across systems or a last-minute change to start dates—you stay steady, find a solution, and keep things moving forward. Champion the employee experience: You show up with empathy, responsiveness, and a service mindset. You field&nbsp; onboarding questions from candidates, managers, and recruiters—making each interaction an opportunity to build trust and confidence in our process. You know that a smooth start sets the tone for the entire employee journey. Sweat the details, deliver with pride: You have a sharp eye and a high bar for quality. You monitor data across multiple systems (HRIS, ATS, IT, headcount management) and catch inconsistencies and unblock bottlenecks. Every workflow, form, and message you touch reflects your commitment to accuracy, clarity, and delivering an exceptional experience. Minimum Qualifications&nbsp; 1-3 years of HR experience, preferably in an HR operations, onboarding, or related role&nbsp; Proven ability to handle sensitive and confidential information Exceptional written and verbal communication skills, with the ability to tailor messaging to audiences at all levels of the organization&nbsp; Self starter who can manage and prioritize multiple tasks in a fast-paced, collaborative environment A responsive, customer-service posture with excellent organization skills The ideal candidate will pay strong attention to detail as a habit and they will hold the quality of their work as paramount in all that they do Preferred Qualifications Experience using Workday and applicant tracking systems (e.g., Greenhouse) Working knowledge of I-9 and background check processes and tools (e.g. Equifax, Checkr) Experience in the tech industry Position location Remote Time zone requirements The team operates on the East/West coast time zones.&nbsp; &nbsp; #LI-REMOTE This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.&nbsp; At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).&nbsp;United States | Remote - Anticipated Hourly Rate Range$40&mdash;$50 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

HR Operations Onboarding Specialist (contract)

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Auto Onboarding team is responsible for reviewing applications for Auto-Refinancing loans, Auto Retail Indirect loans, and Auto-secured Personal Loans. As these products continue to expand, our team plays a crucial role in ensuring accurate application review, exceptional customer experiences, and strong operational performance. As a Team Lead in Lending, you will guide a team of Onboarding Associates through day-to-day operations, provide developmental coaching, and partner closely with cross-functional teams to enhance processes, tools, and customer experiences. Candidates with experience in brand management or relationship management within a financial institution will bring valuable strengths in communication, customer experience advocacy, and strategic problem-solving. How you’ll make an impact Be an escalation point for Onboarding Associates, ensuring high-quality execution of application review and adherence to policies and procedures Provide real-time coaching, performance feedback, and mentorship to support agent development and operational excellence Flexibly alternate between leadership responsibilities and hands-on production work as business needs require Serve as a primary point of escalation for process, policy, and customer experience questions (FCR/CE/CA) Identify trends in customer behavior, agent challenges, loan documentation, and system performance to drive continuous improvement Apply brand/relationship management skills to advocate for a seamless, trust-building borrower experience Collaborate cross-functionally with Product, Policy, Training, QA, and Operations Program Managers to communicate insights and influence improvements Monitor dashboards, identify abnormalities, and escalate issues related to tooling, documentation, or workflow Contribute to the development of team SOPs, training materials, and operational best practices Minimum Qualifications&nbsp; 2+ years of experience in lending, financial services operations, underwriting, or application review Demonstrated history of high-quality performance and meeting or exceeding productivity/quality expectations (100% or greater 4-week productivity; 92% or greater 8-week quality) Experience mentoring peers, leading workflow allocation, or supporting team escalations Ability to prioritize, manage multiple responsibilities, and drive issues to resolution Proven track record of integrity, sound judgment, and alignment with Upstart values Preferred Qualifications Experience as an assistant branch manager within a bank, credit union, or financial institution. Deep knowledge of Auto products, lending policies, or loan onboarding operations Strong communication skills with the ability to influence, coach, and align teams Experience analyzing operational data or customer insights to identify trends and propose improvements Skills in cross-functional collaboration, especially with Product, QA, and Training Familiarity with customer lifecycle experience and how brand trust is built within lending workflows Ability to develop and facilitate training or contribute to SOP/process documentation Proven ability to improve workflows, reduce friction, and contribute to operational efficiency Position location This role is available in the following locations: Columbus, OH In-Office requirements.&nbsp; You will be required to work from the 2 days in office per week.&nbsp; 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. This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.Columbus, OH - Anticipated Hourly Rate Range$28.56&mdash;$39.52 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Lead Operations Associate

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.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.&nbsp; 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:&nbsp; 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. How you’ll make an impact 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&nbsp; 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 &nbsp; Position location This role is available in the following locations: Preference of Austin, TX&nbsp; Time zone requirements The team operates on the East - West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-Entry At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within this range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Sales positions generally offer a competitive On Target Earnings (OTE) incentive compensation structure. The salary listed below for sales roles is On Target Earnings which includes both salary and commission, assuming 100% target achievement.Austin, Texas - Anticipated On Target Earnings (OTE)$80,000&mdash;$111,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Business Development Representative

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; The Identity Platform team is responsible for the creating, securing and managing the borrower and partner identity that is the center piece of all Upstart loan products like Personal Loans, Auto Loans and Home Loans.The Identity platform team is responsible for all Authentication and Authorization Platform and the experiences ( Frontend ) associated with it. We ensure borrowers and partners are able to authenticate securely and seamlessly and their data is protected from unauthorized access. As a Principal Software Engineer, you are at the helm of driving technical excellence, execution and innovation within the Identity Platform team. You are responsible for setting the technical vision and direction for Identity Platform that works backwards from our product strategy. You will work closely with Product partners from different verticals to help them plan, create and deliver secure product experiences that are frictionless.&nbsp; You will have the opportunity to design and build large scale systems from the ground up, partner closely with Infosec and CSO, and work in a highly-collaborative and fast-paced environment. We are looking for a seasoned leader with a passion for Identity and Access Management, Customer Experience, experimentation, and distributed systems. If this sounds exciting, we would love to hear from you.&nbsp; How you’ll make an impact Define the long-term technical direction and roadmap for Identity and Access Management Platform in alignment with Upstart’s business objectives.&nbsp; Lead the design, development and execution of a system that emphasizes security and ease of access. Work closely with the Informational Security team to improve and develop standards that ensure that our customer data is secure and build trust with Customers. Guide the architectural evolution of Identity engineering systems with an emphasis on security, scaling innovation across multiple engineering teams.&nbsp; Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction&nbsp; Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation Lead from the front, while mentoring and developing technical leaders Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience Experience building highly scalable APIs using containerization technologies like Docker and Kubernetes Solid grasp of software development principles and best practices for creating scalable and maintainable systems Proficiency in one or more object oriented programming languages like Kotlin, Ruby,, C#, C++ Strong communication skills and ability to explain complex business and technical concepts to all audiences Track record of successfully mentoring and developing technical leaders Experience working in dynamic fast paced organizations Ability to balance the needs of the business with the needs of engineering improvements Passion for clean code and architecture and initiative to “level-up” the engineering team with better practices &amp; design You are able lead and resolve company-wide technical discussions and are able to collaborate and include input from cross-functional teams (security, devops, data, compliance and product) You have a good sense for build-vs-buy and are able to prioritize the highest ROI architectural investments Preferred Qualifications High proficiency with OAuth 2.0 and OpenID Connect Specifications. Experience working in Identity and Security Platform. Experience with building Kotlin or Java Backend services. Experience with A/B testing, GRPC and Devops. Background in Keycloak or any equivalent IAM Solution,, Devops, Ruby and NextJS is a big plus.&nbsp; Experience designing and building microservice-based architectures Experience developing large scale distributed systems in AWS Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve 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 Experience working at companies that have gone through periods of rapid business or organizational growth &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,300&mdash;$270,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Software Engineer, Identity

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Compliance organization plays a mission-critical role in enabling responsible innovation, protecting consumers, and supporting Upstart’s long-term growth. The Product Compliance team ensures that new and existing products—including and governance of a new, innovative unsecured lending product. You will serve as the primary compliance advisor to Product, Engineering, Operations, and executive leadership—ensuring Upstart’s products meet or exceed regulatory standards while supporting differentiated user experiences. You will act as a strategic partner shaping compliance strategy, policy development, and risk management across the product lifecycle. If you are excited by influencing product architecture, designing scalable compliance solutions, and building trusted relationships across a fast-moving fintech, this role is for you. How you’ll make an impact Program Ownership &amp; Regulatory Governance Own and continuously enhance the product compliance framework including policies, procedures, and control design spanning marketing, origination, underwriting, servicing, collections, and credit reporting.Lead regulatory readiness by conducting risk assessments, gap analyses, and designing first-line scalable controls across technical and operational workflows.Develop key risk indicators (KRIs), metrics, and dashboards to provide insight into compliance health to executive leadership and the Board. Cross-Functional Influence &amp; Stakeholder Management Act as a senior advisor to Product, Engineering, Ops, Legal, and Machine Learning teams—driving alignment across stakeholders while balancing customer experience, business needs, and regulatory expectations.Influence organizational decisions through clear, compelling communication of compliance risks, trade-offs, and recommendations.Represent Compliance in governance forums, product councils, and cross-functional initiatives. Operational Excellence &amp; Issue Management Oversee root-cause analyses and remediation plans for compliance issues, ensuring durable fixes and strengthened controls.Partner with Legal, Internal Audit, and external regulatory exam teams to support audits, examinations, and responses to regulatory inquiries.Lead the development and delivery of scalable, role-based compliance training for impacted cross-functional partners. Team Building &amp; Leadership Champion a compliance-first mindset across the company, driving early engagement and proactive risk identification. Minimum Qualifications&nbsp; Bachelor’s degree 8+ years of experience in consumer lending, fintech, regulatory compliance, risk management, or financial services law, with deep expertise in unsecured credit products Expert knowledge of federal and state consumer lending laws and regulations, including TILA, ECOA, FCRA, FDCPA, EFTA, UDAAP, SCRA, MLA, Reg Z, Reg X, TCPA, NACHA, state-level lending and servicing laws, and unsecured credit considerations Proven experience advising on and launching/expanding technology-enabled lending or fintech products, ideally in a fast-paced, high-scale environment Demonstrated ability to partner with senior leaders and influence strategic decisions Preferred Qualifications Experience designing compliance controls for digital product flows, automated decisioning, and novel risk models Exceptional communication, executive presence, and stakeholder-management skills across technical and non-technical teams Proven ability to lead through ambiguity, drive organizational alignment, and manage competing prioritiesStrong problem-solving skills and business judgment, with a bias toward practical, risk-aligned solutions JD, CRCM, or other advanced compliance certifications are a plus &nbsp; Position location: This role is available in the following locations: Remote&nbsp; Time zone requirements: The team operates on the East/West coast time zones.&nbsp; 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:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Director --&gt; use for L7 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,000&mdash;$270,000 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director of Product Compliance

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Learning and Development - Operations Servicing team supports a wide variation of training curriculum and content across all teams&nbsp; within the Operations Servicing vertical.&nbsp; We are looking for a self-motivated, hard-working individual to join our team to focus on employee readiness and development of agent resources.&nbsp; As an Associate Learning and Development Partner, you will play a key role in enabling employee readiness and organizational transformation. You will serve as a strategic partner to cross-functional teams, driving change initiatives and learning experiences that align with business goals. Through strong facilitation skills, deep stakeholder relationships, and a learner-first mindset, you will support the business in adapting to change while fostering continuous growth and skill development. Your work will directly support the Servicing Enablement&nbsp; functions by identifying readiness needs, coordinating scalable learning solutions, and championing a culture of learning and adaptability across the organization. &nbsp; How you’ll make an impact Partner with business leaders, product managers, subject matter experts, and cross-functional stakeholders to assess content impact and learning needs. Serve as a key facilitator for engaging, audience-tailored sessions, including team training, change briefings, or knowledge-sharing events. Participate directly in the Operations Change Management process, ensuring content and/or training&nbsp; tasks are scoped, executed, and documented appropriately. Own and manage complex Servicing Enablement&nbsp; requests, coordinating across functions to ensure timely and effective solutions. Create or support the creation of learning solutions such as one-pagers, guided workflows, FAQs, or updates to existing training material in partnership with the Instructional Design function. Help guide junior team members and provide mentorship in learning experience design, change readiness, and stakeholder engagement. Assist in documenting and maintaining team knowledge systems such as Jira, Confluence, and virtual libraries. Proactively identify gaps in training, content, or readiness processes and take initiative to resolve them—ensuring high quality and consistent learner experience. Influence and align learning and change efforts with strategic objectives, ensuring employees are prepared to meet evolving business needs. &nbsp; Minimum Qualifications&nbsp; 3+ years of experience in a Learning &amp; Development, Organizational Development, or related enablement role. 2+ years of experience in a Servicing Operations role or equivalent operational environment at a financial institution or fintech. Strong facilitation and presentation skills with the ability to tailor delivery to diverse audiences. Demonstrated ability to build strong cross-functional relationships and partner across all levels of an organization. Experience working with tools like Jira and Confluence, with a strong attention to detail and documentation. Demonstrated understanding of adult learning principles and how they apply in operational environments. Strong written and verbal communication skills, with the ability to simplify complex information. &nbsp; Preferred Qualifications 5+ years of experience in Learning &amp; Development, Organizational Change, or Program Enablement roles in a fast-paced or regulated environment. Familiarity with project management and change management frameworks. Skilled in prioritization and time management across multiple initiatives. Proven track record of independently managing complex initiatives and meeting deadlines with limited oversight. Experience contributing to or leading cross-functional projects involving training, process improvement, or system adoption. &nbsp; Position location This role is available in the following locations: Remote. Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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 sick and safety leave&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Associate This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.&nbsp; At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).&nbsp;United States | Remote - Anticipated Hourly Rate Range$27.45&mdash;$37.98 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Associate Learning and Development Partner, Servicing Operations

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team As Upstart’s Brand &amp; Creative Team, we shape and elevate the brand across all surfaces, ensuring our website and content are discoverable, engaging, and strategically optimized for growth. This role will be a key part of our "Web Tiger Team", working alongside our Lead Web &amp; Experience Designer to drive organic discoverability, SEO, brand content strategy, and conversion optimization. As the founding Director of Social Media at Upstart, you will build our social presence — defining who we are, how we show up, and how we build relationships with our communities. This is a hands-on leadership role and a team-of-one to start, with the opportunity to grow your dream team over time. You will set the vision, strategy, operating model, and measurement framework for social, while also rolling up your sleeves to create, experiment, and ship.&nbsp; You will own organic social including content and creator strategies, community engagement, and social governance. You will be responsible for building business cases, forecasting impact, defining KPIs, and partnering with Paid Media and Growth to extend brand and campaign impact across channels. This role is ideal for a builder — someone equally comfortable shaping long-term strategy&nbsp; and doing the work required to get something new off the ground. This is a highly visible role with the opportunity to be a key driver in making Upstart a beloved brand, cultural icon, and household name. How you’ll make an impact Create a distinctive, recognizable Upstart social persona and consistent presence across platforms. Build measurable growth in reach, engagement quality, creator program impact, and campaign extension performance. Stand up repeatable systems (OKRs, dashboards, rituals) that make social scalable over time. Set content strategy and activation roadmaps to support and achieve brand messaging goals Establish the roadmap, budget, and hiring plan to grow the function responsibly. Minimum Qualifications&nbsp; 10+ years of experience across social media, content, brand, or community leadership with at least 5 years spent managing teams Proven experience building or scaling a social function including: strategy → operating model → execution → measurement Demonstrated success using social content to drive brand and business outcomes (awareness, consideration, engagement, or conversion). Experience developing business cases, setting and managing budgets, forecasting impact, defining KPIs, and communicating results to senior leadership. Hands-on proficiency with a modern social stack including: Publishing and management (Sprout, Sprinklr, or equivalent), Listening and monitoring (Brandwatch, Sprinklr, or similar), Attribution and measurement integrations Salesforce, HubSpot, or similar) Preferred Qualifications Experience in fintech, financial services, or another regulated industry. Comfort working in early-stage or ambiguous environments where you are both strategist and executor. Comfortable managing vendors/agencies, partners,&nbsp; and cross-functional stakeholders. Experience launching new channels or rebuilding underperforming ones at a brand level. A passion and aptitude for predicting, engaging in, and driving culture through the lens of brand Position location This role is available in the following locations: Remote&nbsp; 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&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices #LI-REMOTE #LI-Director At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$183,000&mdash;$253,300 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director of Brand Social

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; We are seeking a driven and detail-oriented Executive Recruiter to join the Executive Search team. This individual will play a critical role in sourcing top-tier executive talent, helping us build a world-class leadership team. This position requires someone who thrives in a fast-paced environment, is not afraid to push boundaries, and is relentless in their pursuit of the best talent. The right candidate will embody our core values and operate with a bias for action, a focus on long-term success, and an analytical mindset. As part of the Executive Recruiting team at Upstart, you’ll help shape the leaders who steer our most ambitious work—from generative AI to new product bets to organizational transformation. We believe executive recruiting is a force multiplier for business success. If you're energized by ambiguity, thrive on intellectual challenge, and can blend tenacity with humility, we’d love to talk. &nbsp; How you’ll make an impact As part of our dynamic and fast-moving Talent Acquisition team, you will partner closely with hiring managers and leadership to identify and attract top executive talent. You'll work with a range of advanced tools and methodologies to generate insights, build talent pools, and guide our hiring strategy. Responsibilities: Act with urgency: Partner with hiring managers to understand strategic hiring needs and deliver talent research and insights faster than the competition. Research with precision: Build in-depth talent maps, conduct market research, and identify high-potential candidates across multiple business units and geographies. Leverage a wide range of sourcing tools beyond LinkedIn, such as web searches, industry reports, conferences, and whitepapers. Solve problems proactively: When issues arise, you’ll take responsibility and take action to address them, making sure that nothing falls through the cracks. Generate actionable insights: Use data-driven insights to inform search strategy and provide guidance to Talent Acquisition partners on market trends, talent availability, and competitor intelligence. Think probabilistically: Approach challenges by thinking in terms of probabilities and measuring everything you can. Apply logic, precision, and creativity in your research process. Learn and iterate: Be open to feedback, acknowledge mistakes, and continuously improve your approach, always striving for the best possible results. Be a talent market advisor: Share insights and trends with stakeholders to help shape the hiring strategy and influence key decisions. Operate like a consultant: You’re not here to take orders—you’re here to guide. You’ll ask hard questions, shape the search thesis, and challenge assumptions with data, insight, and market intelligence. Build across pipelines, not reqs:&nbsp;&nbsp;Our work is portfolio-based, not transactional. You’ll nurture long-term relationships, identify multi-fit leaders, and think across verticals to maximize our talent advantage. Minimum Qualifications&nbsp; 6+ years of experience in executive search, talent research, or an equivalent in-house function. Experience with full-lifecycle leadership recruiting, including sourcing through closing. Proven track record of sourcing executive-level technical talent across a variety of industries Ability to work with changing requirements and senior stakeholders with gravitas, humility, and partnership at the core. Preferred Qualifications Ability to navigate complex sourcing channels, including social media, databases, industry publications, and event attendee lists. Strong proficiency with sourcing tools and techniques such as LinkedIn Recruiter, Google X-Ray, Boolean search, Juicebox AI, or other AI-driven sourcing tools. Passion for solving hard-to-find talent problems and an eagerness to explore new, innovative sourcing strategies. Comfortable working in a high-pressure, fast-paced environment and juggling multiple projects with shifting priorities. Position location This role is available in the following locations: Remote&nbsp; 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; the Talent Acquisition team meets quarterly for 2-3 consecutive days at a time. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$138,000&mdash;$181,000 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Executive Recruiter, Technical

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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&nbsp; . 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.&nbsp; Minimum Qualifications&nbsp; Bachelor's degree in Computer Science, Engineering, or a related field 8+ years of experience in software development with a minimum of 3 years managing a team directly Experience leading product oriented teams with quantifiable user impact&nbsp; 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&nbsp; 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:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,300&mdash;$270,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Engineering Manager, Offer Delivery

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Procurement team is a new function and we are in the process of building the team. The team will be responsible for developing policies/processes, negotiating deals that provide goods/services at the best possible price, implementing tools and systems that will aid in the automation of the procurement function, and collaborating with various teams to minimize third party risk.&nbsp; As the&nbsp;Buyer at Upstart, you will &nbsp;have responsibility for guiding users through the Procure- to-Order (P2O) process and ensure that all controls are followed resulting in minimal risk while ensuring a great customer experience.&nbsp; &nbsp; How you’ll make an impact First line of support for end users in the Procure-to-Order process.&nbsp; This involves guiding end users through intake, providing training, and fielding questions. Monitor requests entered by users to ensure requests are moving towards closure, collaborating with SME groups on stale requests, communicating with end users and escalating to management where necessary. Ensure compliance with procurement policies and procedures for all purchases Maintain and support new and legacy data included in Procurement’s database Process and manage POs through Procurement Systems Report on Metrics (Monthly and Quarterly) Create dashboards and swim lane process flow documentation Conduct pricing negotiations for low risk purchases Knowledge&nbsp; of contract terms to ensure&nbsp; terms and conditions are accurately reflected in POs Supports the company’s Supplier Diversity initiatives and maintains database of qualified diverse suppliers Manages Docusign requests for execution of agreements Collaborate&nbsp; cross- functionally with legal, finance, operations and business units to ensure end-to end alignment on sourcing and contracting activities&nbsp; &nbsp; What we’re looking for: Minimum Qualifications&nbsp; 3-4 years prior experience within an indirect procurement function Ability to work efficiently in a fast-paced, hyper-growth environment Team player and self-starter with a can-do attitude Prior experience working as a Buyer in a Procure-to-Pay platform(s) Detailed orientation and ability to execute Ability to work and collaborate across all levels Working knowledge of Microsoft Suite and/or GSuite applications Working knowledge of contract management systems Analytical skills and ability to interpret information from various sources Ability to effectively communicate both verbally and in written form Preferred Qualifications High School Diploma or GED, Business, Supply Chain or equivalent line of business 3-5 years in an indirect procurement function Hands-on experience with ZIP Procurement Intake, supporting procurement workflows, intake automation, and change order processing across cross-functional teams &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Associate&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$82,000&mdash;$113,400 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Buyer, Procurement

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team We’re looking for a Senior Application Security Engineer to join our growing Information Security team. Your primary function will be to work with Upstart’s engineering and product management teams to ensure that our product platform is secure, safe and reliable.&nbsp; You’ll have the latitude to touch every aspect of our security strategies, with the opportunity to specialize as the team grows. As one of the key resources on the Security team, you will have significant influence over the design of Upstart's Security program.&nbsp;&nbsp; Position Location - This role is available in the following locations: San Mateo, Columbus, Austin, Remote (#LI-REMOTE) Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 5 days per Quarter at one of our office locations or some other off-site location determined by your team/manager. If you need to travel to make these meetups, Upstart will cover all travel related expenses. How you’ll make an impact: Work closely with our engineering and data science teams to securely design and implement new products and features, including the development and maintenance of threat models for high-risk functionality. Set up a regular vulnerability scanning tools and manage remediation of identified issues Support teams with vulnerability remediation efforts, including the design of remediation strategies. Assess the threat model for cloud native infrastructures and applications Identify and design company-wide security controls and solutions. Operate as an integral member of the engineering team and advocate for security best practices across the organization Help identify Upstart’s internal and external attack surface in a dynamic environment &nbsp; What we’re looking for: Minimum requirements: 3+ years of experience in an application security or security engineering-focused role An IT/CS degree or equivalent knowledge Experience in Java, Python or Ruby development Knowledge of industry standard authentication and authorization protocols (TLS, SAML, etc) Previous usage or knowledge of SAST/DAST and vulnerability scanners&nbsp;&nbsp; Understanding of Full Stack Development, SDLC, and CI/CD pipelines Understanding of network stack and common protocols A self-starter who is comfortable getting hands-on and engaging in all areas of product security, from ideation to deployment. Ability to collaborate cross-functionally and communicate effectively with highly technical teams &nbsp; Preferred qualifications: 7+ years of experience in a high-security environment MS degree or equivalent knowledge Certification in IT or cybersecurity (e.g. OSCP, OSCE, OSWE) Experience conducting product/application level security audits, penetration tests, and security focused code reviews AWS, K8s and CI/CD pipeline experience Contributions to the security industry (e.g. whitepaper, security advisories, OSS projects, patents) &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$182,300&mdash;$252,500 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Application Security Engineer

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; As a Senior Borrower Experience Specialist at Upstart, you will play a critical role in Servicing Operations by analyzing quality audit data to uncover key insights and drive strategic improvements across borrower experience, compliance, risk management, and operational efficiency. Beyond ensuring adherence to policies and regulations, you will leverage data-driven insights to proactively identify thematic trends, systemic gaps, and areas for process enhancement, ultimately contributing to a best-in-class borrower experience. &nbsp; How you’ll make an impact Analyze quality audits, borrower feedback, and sentiment data to identify systemic pain points, compliance risks, and operational inefficiencies across all servicing channels. Develop clear, data-driven insights and recommendations to improve the end-to-end borrower experience. Deliver concise reporting and documentation to inform Servicing leadership and cross-functional partners. Proactively identify compliance gaps, procedural inconsistencies, and efficiency opportunities using audit and performance data. Partner with Compliance, Legal, Risk, Training, and Operations to ensure borrower interactions are compliant, efficient, and borrower-centric. Lead initiatives that improve resolution processes, servicing workflows, and agent effectiveness. Define and track success metrics to measure the impact of process, policy, and experience improvements. Use quality insights to inform training programs, coaching strategies, and behavioral expectations for frontline agents. Translate borrower experience findings into targeted coaching guides, best-practice playbooks, and performance standards. Review and advise on agent scripts, knowledge-base content, and AI prompts to ensure clarity, compliance, and borrower-focused tone. Influence policy updates, process automation, and AI-driven support enhancements based on quality-driven insights. Communicate findings and recommendations across Operations, Product, and Process Excellence teams. Improve audit processes, reporting capabilities, and feedback loops to increase efficiency, visibility, and accountability. &nbsp; Minimum Qualifications&nbsp; 4+ years experience in process or product improvement, QA or a combination. Knowledge of some or all applicable regulations FCRA, TILA, FDCPA, ECOA, UDAAP, EFTA, BSA/AML, OFAC, GLBA. Must have strong verbal / writing skills and ability to present information in a clear and concise manner. Proficiency with Google Workspace tools, particularly Google Forms, Sheets, and Docs, to build audit forms, structure data collection, and streamline reporting workflows. Demonstrate ability to learn fast and apply learnings to work. Balance ability to work fast with a high degree of accuracy and detail. Demonstrate the ability to think critically and communicate thoughts and ideas. Proven track record of taking ownership of issues and driving results. Strong sense of discretion and professionalism. &nbsp; Preferred Qualifications Experience with Fair Lending analysis a plus Bilingual: Spanish and English is a plus BA/BS degree &nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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 sick and safety leave&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Associate&nbsp; This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.&nbsp; At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).&nbsp;United States | Remote - Anticipated Hourly Rate Range$27.45&mdash;$37.98 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Borrower Experience Specialist

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s&nbsp;Capital Markets team plays a pivotal role in securing loan funding capital for our AI lending marketplace.&nbsp; We collaborate with leading institutional investors and lenders across a diverse range of financing and funding solutions, including securitizations, whole loan sales, co-investment partnerships and other structured transactions. Within Capital Markets, the Auto team is tasked with managing efficient and cost-effective funding for the growth of Upstart’s indirect retail and refinance auto lending platforms. As the&nbsp;Capital Markets Lead - Auto at Upstart, you will play a critical role in securing funding sources and structures by driving optimized execution on Upstart’s whole loan sales, co-investment partnerships, warehouses and development of a new auto securitization platform. You have a strong track record within structured finance and are energized by building relationships across Capital Markets participants. You will leverage your auto and technical expertise to review collateral and credit analysis as well as asset- and bond-level cashflow modeling to support structuring discussions and lead discussions across our auto product offerings. &nbsp; How you’ll make an impact Drive and execute strategy for Upstart’s auto asset-backed financing and balance sheet strategy Manage and deepen strategic partnerships with lenders, investors, and key market participants Partner closely with internal and external counsel to review and execute legal agreements Collaborate with cross-functional stakeholders (e.g., legal, operations, data analytics, accounting) to navigate downstream implications of Upstart’s funding structures&nbsp; Present on deal terms and status to leadership including Upstart’s management team Coach and mentor junior team members Minimum Qualifications&nbsp; 4+ years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related roles Deep knowledge of auto, capital markets and fixed income, with hands-on experience modeling and executing a broad range of&nbsp; structured finance transactions&nbsp; Proven track record of strong cross-functional stakeholder management and influencing partners to drive outcomes Demonstrated experience coaching and mentoring a high-performing team that consistently punches above their weight Strong market instincts with a sharp read on risk sentiment / appetite and trusted by institutional clients Preferred Qualifications Direct experience in capital markets at a fintech Deep knowledge of auto asset class ABS or Asset Backed Securities Experience negotiating private transaction terms MBA, CFA, or BA/BS degree in business, finance, economics, or other analytical areas of study Skilled in deriving insights from complex data sets using Looker or similar software; knowledge of SQL a plus Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; Travel requirements As a digital first company, the majority of your work can be accomplished remotely. This role could require every other month travel.&nbsp; &nbsp; &nbsp; #LI-REMOTE #LI-Associate&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$1&mdash;$2 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Capital Markets Lead, Auto

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Marketplace Analytics team coordinates the interplay between supply, demand and pricing in Upstart’s&nbsp; marketplace between borrowers and lenders. Our goal is to optimize the marketplace for all participants As the Staff Analyst on our Marketplace Analytics team you will be the Competitive Pricing Lead, and will be the definitive expert on how Upstart’s pricing sits within the broader landscape. You won't just manage data; you will own the program that defines our price-competitiveness. &nbsp; How you’ll make an impact Program Ownership: Lead the end-to-end competitive intelligence program, including managing internal and external data sources and vendor relationships Strategic Synthesis: Integrate disparate data sources (surveys, internal "comparison data, and third-party reports) into a single, cohesive narrative regarding our pricing versus the broader market. Executive Communication: Serve as the primary voice to leadership on comp pricing providing high-stakes insights for everything from day to day understanding to board meetings and earnings calls. Expansion &amp; Growth: Lead the roadmap to expand competitive pricing coverage from Personal Loans into all nascent products (Auto, Home, etc.). Pricing Influence: Translate competitive gaps into actionable pricing recommendations, helping the team decide when to lean in or pull back based on market movements. Think critically about the end-to-end system, modeling and reasoning about how pricing changes interact with risk assessment, underwriting policies, loan funding mechanisms, and other parts of the business. Minimum Qualifications&nbsp; Strong analytical and quantitative background with at least 8+ years of professional experience in analytics, data science, or a related quantitative field. Proficiency in data analysis tools, particularly SQL and Python/R. Experience with BI/visualization tools (e.g., Looker, Tableau, Mode). Degree in a quantitative field such as Economics, Statistics, Mathematics, Engineering, Data Science, Operations Research, or a related area. Excellent problem-solving skills with the ability to tackle complex, ambiguous problems with a structured approach. Strong communication and presentation skills, with the ability to articulate complex analytical concepts to diverse audiences. Demonstrated ability to think critically about business problems and the systems they operate within. Experience with survey data &nbsp; Preferred Qualifications Experience specifically in competitive pricing, pricing analytics, revenue management, or marketplace optimization. Experience in technology, fintech, lending, or two-sided marketplace companies. Deep understanding of statistical methods and causal inference techniques. Proven ability to influence strategic decisions through data-driven insights and narratives, especially at the leadership level. Experience collaborating effectively with Product Management and Engineering teams. &nbsp; Position location This role is available in the following locations: Remote&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$15,700&mdash;$217,500 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Staff Analyst, Competitive Pricing

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; We’re a small, senior engineering team at Upstart focused on launching a new product that aims to expand access to responsible and affordable credit. Operating like a startup within the company, we move quickly and work autonomously. With a greenfield codebase and an AI-native development approach, we’re not just building a product—we’re redefining how lean, high-impact engineering teams work. How you’ll make an impact Set technical direction and lead architectural design for core backend systems that power a new consumer credit product. Build distributed, event-driven services that are reliable, observable, and scalable—designed for long-term evolution. Drive zero-to-one product development in collaboration with cross-functional partners, translating ambiguous product goals into high-impact solutions. Champion engineering velocity and quality by shaping patterns, practices, and tooling across the stack. Lead with an AI-native mindset—leveraging and integrating AI tools to improve development workflows, reduce friction, and accelerate impact. Serve as a technical mentor and thought leader within a high-performing, fast-moving team. Influence product direction through technical insights, customer empathy, and an ability to balance tradeoffs between speed, scale, and quality. &nbsp; Minimum Qualifications&nbsp; 8+ years of experience designing and building backend systems in production, with a focus on consumer-scale applications. Deep expertise in distributed systems and event-driven architectures (Kafka, Kinesis, SQS, etc.), including experience with idempotency, retries, and fault tolerance.&nbsp; Strong command of an object-oriented programming language (e.g., Java, Kotlin, C#, Python, Ruby), along with experience working with APIs, databases, and caching systems. Proven success leading complex, zero-to-one product development in ambiguous or fast-changing environments. Demonstrated ability to influence product strategy through technical leadership and user-centric thinking. Track record of building with observability and operational excellence in mind (metrics, logs, traces, alerting, etc.). 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. &nbsp; Preferred Qualifications Experience leading technical initiatives at B2C fintech or high-scale consumer technology companies. Background in payments, credit, or transactional systems with high reliability and regulatory requirements. Familiarity with schema management and safe data migrations (e.g., Protobuf, Avro) in distributed systems. History of setting architectural direction and influencing engineering culture in high-growth environments. Entrepreneurial mindset—comfortable wearing multiple hats, operating autonomously, and navigating early-stage product phases. Passion for building products that expand access and improve outcomes for underserved users. Demonstrated interest in agentic or AI-assisted systems and enthusiasm for shaping the future of AI-native software development. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote, San Mateo, Columbus, Austin&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSenior --&gt; use for L5, L6 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Software Engineer, New Product

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Capital Markets &nbsp;team plays a pivotal role in securing loan funding capital for our AI lending marketplace.&nbsp; We collaborate with leading institutional investors across a diverse range of financing and funding solutions, including securitizations, whole loan sales, co-investment partnerships and other structured transactions.&nbsp;&nbsp; Within Capital Markets, the Structured Products team oversees Upstart’s securitization, pass thru, and financing programs. Upstart has been an active issuer in the asset-backed securities (“ABS”) markets since 2017 with over $9 billion in aggregate issuance to date. The team is the primary point of contact with major investment banks and other lenders / investors on Upstart’s capital markets offerings, while ensuring alignment across the business. As the&nbsp;Capital Markets Manager - Structured Products at Upstart, you will play a critical role in securing funding sources and structures by driving optimized execution on&nbsp; Upstart’s securitization and warehouse programs. You have a strong track record within structured finance and are energized by building relationships across Capital Markets participants. You will leverage your technical expertise to review asset- and bond-level cashflow modeling to support structuring discussions and lead negotiations across our Structured Products offerings. &nbsp; How you’ll make an impact Drive and execute strategy for Upstart’s securitization issuance and asset-backed financing strategy Manage and deepen strategic partnerships with lenders, investors, and key market participants Partner closely with internal and external counsel to review and execute legal agreements Collaborate with cross-functional stakeholders (e.g., legal, operations, data analytics, accounting) to navigate downstream implications of Upstart’s funding structures&nbsp; Present on deal terms and status to leadership including Upstart’s management team Coach and mentor junior team members Minimum Qualifications 7+ years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related roles Deep knowledge of capital markets and fixed income, with hands-on experience modeling and executing a broad range of&nbsp; structured finance transactions&nbsp; Proven track record of strong cross-functional stakeholder management and influencing partners to drive outcomes Demonstrated experience coaching and mentoring a high-performing team that consistently punches above their weight Strong market instincts with a sharp read on risk sentiment / appetite and trusted by institutional clients Preferred Qualifications Direct experience in capital markets at a fintech Deep knowledge of unsecured personal loan asset class MBA, CFA, or BA/BS degree in business, finance, economics, or other analytical areas of study Skilled in deriving insights from complex data sets using Looker or similar software; knowledge of SQL a plus ABS or Asset Backed Securities&nbsp; &nbsp; Position location: Local team members typically meet in person in the New York, NY or San Mateo, CA office once to three times weekly and work from home the rest of the time. Time zone requirements The team operates flexibly between East coast 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSenior --&gt; use for L5 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$168,000&mdash;$232,000 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Capital Markets Manager

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Capital Platform team builds the systems that enable capital to flow through Upstart’s marketplace reliably, transparently, and at scale. The team owns the core platform capabilities used by banks, credit unions, and institutional investors to onboard, configure lending programs, execute originations and loan sales, and monitor portfolio performance. Operating at the intersection of product, engineering, capital markets, finance, and compliance, the Capital Platform team focuses on building enterprise-grade, configurable, and reusable infrastructure that supports a growing and increasingly diverse set of capital partners across products. This team is responsible for foundational platform capabilities including partner integrations, capital execution workflows, and capital insights and reporting — with an increasing emphasis on white-label and embedded capital solutions that allow partners to leverage Upstart’s technology within their own ecosystems. &nbsp; As a Principal Product Manager, Capital Platform, you will be a senior, hands-on individual contributor owning strategy and execution for one of Upstart’s most complex and high-impact capital platform problem spaces. This role is well suited for a Staff+ IC who thrives in ambiguity, enjoys building enterprise-grade platforms from first principles, and wants to shape how lenders and investors integrate with Upstart at scale. You will lead multi-quarter initiatives that cut across product, engineering, finance, and compliance, and deliver durable, extensible systems that serve both current and future capital partners. A key focus area for this role is the development and platformization of white-label and embedded capital solutions for enterprise partners. These solutions enable banks, credit unions, and investors to originate, fund, and manage loans using Upstart’s capital infrastructure while maintaining configurability, compliance, and operational rigor. Depending on business needs and background, this role may also be scoped to other core capital platform problem spaces. Depending on business needs and your background, you will own one or more of the following Capital Platform problem spaces: White Label &amp; Embedded Capital Products: Define and launch enterprise-grade, configurable white-label capital solutions that allow partners to originate, fund, and manage loans using Upstart’s capital infrastructure. This includes zero-to-one product development, platformization of capabilities, and designing primitives that can scale across partners without bespoke implementations. Capital Partner Integrations &amp; Execution: Own the core workflows that onboard lenders and investors, execute originations and loan sales, and integrate with external systems and third-party providers. Focus on scalability, reliability, and operational rigor across high-volume, business-critical flows. Capital Insights &amp; Reporting Infrastructure: Lead the evolution of reporting systems, data pipelines, and customer-facing analytics that provide transparency, oversight, and trust for capital partners. Balance correctness, auditability, and usability in regulated, high-reliability environments. &nbsp; How you’ll make an impact Own the strategy, roadmap, and execution for a major Capital Platform problem space with material business impact Lead multi-quarter, cross-team initiatives that require deep systems thinking and operate under significant ambiguity Design scalable, configurable platform capabilities that serve a diverse set of capital partners without fragmentation or bespoke delivery Partner deeply with engineering to define product architecture, tradeoffs, sequencing, and long-term evolution of capital platform systems Influence adjacent platform and vertical teams to ensure capital partner needs are consistently met across products Use data, customer insight, and domain knowledge to make high-conviction product decisions and prioritize effectively Deliver durable, enterprise-grade solutions that meet reliability, compliance, and operational requirements &nbsp; Minimum Qualifications&nbsp; 7+ years of product management experience, or equivalent demonstrated scope and impact owning complex, multi-quarter initiatives Demonstrated experience leading initiatives at a Principal / Staff-level individual contributor scope Proven track record designing and shipping platforms or shared systems, not just standalone features Experience working with complex B2B or B2B2C workflows (e.g., onboarding, configuration, payments, compliance, reporting) Ability to operate effectively in regulated, high-reliability environments Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs Ability to drive alignment and execution across multiple teams and stakeholders without formal authority Bachelor’s degree or equivalent practical experience in a technical, analytical, or business-related field &nbsp; Preferred Qualifications Experience building enterprise-grade platforms or infrastructure products, particularly in financial services, fintech, or regulated domains Experience with zero-to-one product development, including defining problem spaces, validating solutions, and scaling initial implementations Familiarity with capital markets, lending, or financial operations workflows Experience building or evolving data platforms, reporting systems, or analytics products Background working in high-growth or scaling technology companies Prior collaboration with machine learning, data science, or advanced analytics teams &nbsp; Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$187,900&mdash;$260,000 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Product Manager, Capital Platform

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Role:&nbsp; Upstart is building innovative products that expand access to credit. The Finance team plays a critical role in shaping business decisions, aligning strategy with execution, and ensuring financial discipline as products scale. This Director, Strategic Finance will serve as the primary day-to-day finance and strategy partner to the Small Dollar Loan leadership team, providing analytical insight, financial rigor, and cross-functional coordination as the business evolves. The role spans strategic planning, business analytics, financial performance management, and execution of high-impact initiatives. You will operate at the center of decision-making—developing business cases, diagnosing performance trends, and helping translate strategy into action across Product, Engineering, Operations, Capital Markets, Analytics, and Go-To-Market teams. &nbsp; How you’ll make an impact Strategic Partnership &amp; Business Leadership Serve as the primary finance and strategy partner to SDL business leaders, ensuring alignment between strategy, financial outcomes, and execution Act as a connective tissue across Product, Engineering, Operations, Analytics, Capital Markets, and GTM teams to drive clarity and accountability Facilitate structured prioritization and trade-off discussions to focus resources on the highest-impact initiatives Strategy Development &amp; Financial Analysis Identify, evaluate, and size strategic opportunities, growth initiatives, and investment decisions Build rigorous business cases, financial models, and scenario analyses to support go/no-go decisions Partner with cross-functional teams to scope initiatives, align stakeholders, and drive recommendations through execution Business Performance Management &amp; Insights Own ongoing financial and operational performance tracking for the SDL business Monitor key metrics, identify emerging trends or risks, and lead root-cause analyses when performance deviates from expectations Translate complex data into clear insights and actionable recommendations for senior leadership Financial Planning &amp; Operational Rigor Support short- and long-term financial planning, forecasting, and budget management for the SDL business Partner with FP&amp;A and Accounting to ensure accurate forecasting, reporting, and transparency Improve reporting, tooling, and analytical infrastructure to support scalable decision-making Minimum Qualifications&nbsp; 10+ years of experience in Strategic Finance, FP&amp;A, Corporate Finance, Business Operations, or a similar analytical role Strong analytical and problem-solving skills, with the ability to build and interpret complex financial and operational models Advanced proficiency in Excel and/or Google Sheets; experience with SQL and BI tools such as Looker, Tableau, or Mode Proven track record of partnering cross-functionally with Product, Engineering, Operations, and GTM teams Experience building business cases, evaluating investments, and managing performance through KPIs Excellent written and verbal communication skills, with the ability to influence senior stakeholders and drive alignment Comfort working in ambiguous, evolving environments and translating strategy into execution Preferred Qualifications Background in fintech, lending, consumer finance, subscription, or technology-enabled marketplaces Experience with forecasting, cohort-based economics, unit economics, or credit-driven business models. MBA or advanced degree in Finance, Economics, or a related field. &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Director --&gt; use for L7 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$184,000&mdash;$255,000 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director, Strategic Finance

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Investor Services - Capital Markets&nbsp; team oversees Upstart’s strategic partnerships with institutional investors and manages the day-to-day operations supporting Upstart’s loan funding programs. As the&nbsp;Investor Services Associate - Allocations at Upstart, you will support institutional investors and partners by managing monthly capital commitments of Upstart’s loan funding programs across multiple products. You will work cross functionally to ensure Upstart delivers a seamless day-to-day experience&nbsp; critical to the businesses success. How you’ll make an impact Executing requests from financial institutions and investors pertaining to capital planning and deployment Leading internal and external facing projects while meeting deadlines while escalating challenging situations as needed Analyzing data and transforming it into actionable strategies for investors through clear communication and subject matter expertise Escalating priorities to meet implementation goals Interfacing directly with cross functional internal partners (engineering, product, compliance, legal, finance, servicing, analytics) to solve problems, implement new features on our investor platform, and communicate changes to investors&nbsp; Constantly improving the investor experience by engaging in a continuous improvement mindset with an eye for automation and process improvement Minimum Qualifications&nbsp; Bachelor Degree in Business, Finance or other related field&nbsp; 5+ years of related work experience in financial services, banking, fintech, or loan funding operations Excellent analytical and project management skills are paramount Strong written and verbal communication skills are critical&nbsp; Proficiency in Excel, SQL, Looker, or similar data analysis software required. Experience with Intex, Bloomberg, dv01, a plus Preferred Qualifications Ability and desire to interact with, and relate to, sophisticated investors. Experience in investor relations, account management, prior fintech and or other externally-facing communication roles is a plus A self-starter mentality with the ability to work well under pressure, thrive working under limited direction, juggle competing projects, and an attitude that no job is too challenging or too small Someone that can learn quickly, solve problems independently, and has good judgment that align with Upstart’s core values A team player who is willing to wear many hats and roll up your sleeves to get things done Position location: Remote Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Associate&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$92,000&mdash;$128,000 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Investor Service Associate, Assurance

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team As Principal Product Manager, White Label at Upstart, you will lead the creation of a new white label business that we expect to be our primary growth engine into 2027 and beyond. This is a foundational role with outsized impact on Upstart’s long-term growth. Upstart White Label enables some of the largest consumer banks in the U.S. to offer Upstart’s industry-leading borrower experience, automated decisioning, and capital markets partnerships under their own brand, while preserving the direct relationship between bank and borrower. We will begin by white-labeling Upstart HELOC. Today, ~90% of HELOC borrowers originate through banks. A white-labeled HELOC allows us to meet borrowers where they already are, while delivering meaningful differentiation: closing in ~7 days (vs. a 30-day industry average) and offering fixed-rate HELOCs (vs. the industry standard of variable rates) and half the cost of origination. This initial product lays the groundwork for extending white label across additional Upstart products over time. How You’ll Make an Impact Define and launch a new line of business: Lead end-to-end discovery to understand what it takes for Upstart to stand up a successful white label offering. Become the subject-matter expert for launching an initial V1 with a small set of core customers, then partner with Solutions Engineering to scale requirements gathering. Deliver a successful V1 white-labeled HELOC: Own product strategy, scope, and sequencing to ensure the initial offering meets partner bank needs while being extensible across future Upstart products and lending verticals. Enable bank demand and distribution: Partner with bank stakeholders to support demand generation across digital and in-branch channels, ensuring the product fits naturally into existing bank customer journeys. Power effective go-to-market: Equip Sales and Account Management with the product, messaging, and tooling they need to successfully sell, launch, and scale white-labeled offerings. Own the borrower experience end-to-end: Ensure a seamless borrower experience despite interaction across both bank-branded and Upstart-powered applications, workflows, and UX. Reduce borrower friction: Work closely with the Verifications team to deeply understand each step in the application flow, challenge assumptions, and strategically streamline or eliminate unnecessary friction. Define operational visibility for banks: Determine how partner banks should monitor application status, performance, and outcomes in a white-labeled environment. Minimum Qualifications 8+ years of product management experience on fast-moving, customer-obsessed teams. Demonstrated ability to drive business outcomes through a strong balance of quantitative metrics and qualitative insight. You are pragmatic about data, comfortable making decisions with imperfect information, and have well-calibrated risk judgment. Strong product sense with experience authoring and executing multi-quarter roadmaps, and living with the downstream consequences of those decisions. Rigorous, analytical problem solver with clear, concise, and persuasive communication skills. Ownership and growth mindset. You act like an owner, are confident yet humble, open to being wrong, and constantly seeking to improve both yourself and your team. Preferred Qualifications Prior 0→1 product experience, ideally as a product lead. Experience building B2B or enterprise software, particularly in partnership-driven or platform-based businesses. &nbsp; Position location This role is available in the following locations: Remote [A specific city/location is not required if the role does not have an in-person requirement] Time zone requirements The team operates on the East/West coast time zones. [Only use this section if there are specific time zone requirements that this role must work in; if the role is remote-US or can work in any timezone in the US, please remove this section.] [OPTIONAL] In-Office requirements. &nbsp;You will be required to work from the {insert location}&nbsp; office x days per week/month.&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-NotApplicable #LI-Internship --&gt; use for internships #LI-Entry --&gt; use for new graduate roles, L1, L2 #LI-Associate --&gt; use for L3, L4 #LI-MidSenior --&gt; use for L5, L6 #LI-Director --&gt; use for L7 #LI-Executive --&gt; use for L8+ At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$187,900&mdash;$260,000 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Product Manager, White Label

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:Upstart’s Growth team is dedicated to creating a seamless loan application experience that allows customers to effortlessly discover and access Upstart’s credit products. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit—driving growth, increasing conversion, and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace. As a Senior Product Designer on the Growth Design squad, you’ll shape how customers experience Upstart beyond their initial application, focusing on the moments and touchpoints that build trust, encourage ongoing engagement, and support long-term financial confidence. You’ll define experience strategy, lead user research, and design intuitive, insight-driven experiences across mobile and responsive web that help customers understand, manage, and return to Upstart’s products. Partnering closely with Product, Engineering, Data Science, and Marketing, you’ll balance experimentation with a cohesive long-term vision, crafting experiences that drive retention, loyalty, and measurable business impact. 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. &nbsp; How you’ll make an impact Create user journeys, wireframes, prototypes, and polished mockups that shape the identity experiences for log in, account creation and management, registration, authentication, and profile creation and management. Lead research and usability studies to understand customer behavior, pain points, and expectations around login, multi-factor authentication, and account management. Partner with product and engineering teams to define profile and account&nbsp; experiences that reduce friction and boost conversion, while balancing strong security and user trust. Design accessible, inclusive, and scalable solutions across both internal tools and customer-facing experiences, keeping regulatory and compliance needs in mind. Build and maintain design artifacts (user flows, personas, interaction specs) that align identity experience strategy across the platform. Use quantitative and qualitative data to validate design decisions and iterate on experiences that improve user confidence and platform adoption. Contribute to a unified design system that supports consistent and secure identity patterns across all Upstart products. Minimum Qualifications&nbsp; 7+ years of experience designing customer-facing digital products, with a focus on secure user flows or identity-related features (e.g. login, registration, authentication). Demonstrated expertise designing for both responsive web and native mobile experiences. Strong portfolio demonstrating end-to-end design thinking with attention to both user needs and security requirements.Skilled with Figma and design research tools like Usertesting, Maze, or Lookback. Experience balancing usability and privacy, with a passion for simplifying complex or sensitive user flows. Confident communicator and collaborator, comfortable sharing designs, receiving feedback, and partnering across disciplines including security, compliance, and engineering. Preferred Qualifications Experience designing for consumer fintech or other regulated industries. Background in lifecycle design, growth experimentation, or marketplace ecosystems. Demonstrated success designing for engagement, retention, or cross-sell experiences in multi-product environments. Experience working within and contributing to design systems at scale. Deep commitment to accessibility, inclusive design, and ethical user engagement principles. What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSeniorAt Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$162,100&mdash;$224,500 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Product Designer, Growth

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Auto Onboarding team is responsible for reviewing applications for Auto-Refinancing loans, Auto Retail Indirect loans, and Auto-secured Personal Loans. These products are all expanding and dedicated agents will ensure the success of these programs as we grow. As a Senior Credit Analyst at Upstart, you will &nbsp;be responsible for reviewing applications in a timely manner and with strict adherence to established policies and procedures. You will also be responsible for communicating with customers and business partners as needs arise. Your feedback and insights to the customer experience will be vital for improving our products and internal tools with an eye towards automation and growth. &nbsp; How you’ll make an impact Flexibly alternate between significant core work responsibilities (application review) and slack coverage Act as the first-line responder for FCR/CE/CA questions Stay up to date on policy changes or program improvements Detect abnormalities and bugs by analyzing incoming documents, cases, and dashboards&nbsp; Use critical thinking and good judgment in ambiguous situations Minimum Qualifications&nbsp; 3+ months of experience with Auto products&nbsp; Demonstrate integrity, ethics, and Upstart values at all times; sets an excellent example for colleagues&nbsp; Demonstrate patience alongside efficiency; can triage and prioritize responsibilities, takes ownership, and drives problems to resolution&nbsp; Able to make judgment calls amid ambiguity and understand the cross-functional impact of decisions Preferred Qualifications Demonstrate deep knowledge of Operations procedures and processes, especially with regard to the auto products&nbsp; Proactively seek ways to make Operations better on a day-to-day basis&nbsp; Position location This role is available in the following locations: Columbus, OH Time zone requirements The team operates on the East coast time zones. In-Office requirements. &nbsp;You will be required to work from the Columbus office 2 days per week.&nbsp; 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:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.Columbus, OH - Anticipated Hourly Rate Range$25.48&mdash;$25.48 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Credit Analyst, Auto

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; Upstart’s Procurement team is a strategic enabler of innovation, speed, and cost discipline. Our team manages the full lifecycle of vendor engagement—from strategic planning and supplier selection to onboarding, contracting, and performance oversight—across three core pillars: Procurement Operations, Strategic Sourcing, and Supplier Management. We partner closely with Legal, InfoSec, TPRM, AP, and our internal business stakeholders to deliver a seamless and scalable procurement experience that balances compliance, cost, and risk management. Following a recent company-wide review of our procurement process, we are embarking on a bold redesign to simplify intake and system approvals, improve transparency, and better align sourcing with business priorities. You will lead this transformation.&nbsp; As the Head of Procurement &nbsp;at Upstart, you&nbsp; will define and execute the strategic vision for procurement at Upstart. You will lead a high-performing team that combines operational precision with strategic sourcing expertise, and be accountable for company-wide spend management, procurement policy, vendor governance, and tool implementation. This is both a strategic leadership and hands-on execution role—ideal for someone who can scale process, technology, and culture in a dynamic, growth-stage FinTech environment. You will work closely with Legal, TPRM, Information Security, and Finance leadership to ensure the procurement process is efficient, compliant, and designed around business enablement. This role is critical to Upstart’s ability to grow responsibly and move fast with the right partners. The role reports to Upstart’s Chief Accounting Officer.&nbsp; How you’ll make an impact Strategic Leadership Develop and lead a clear, scalable procurement strategy aligned with Upstart’s business priorities, cost goals, and risk frameworks. Champion a unified, user-friendly procurement experience that minimizes friction and maximizes cross-functional collaboration. Drive transformation of procurement workflows and Procurement systems configuration, ensuring end-to-end ownership and accountability. Establish procurement as a key business partner across departments through data-driven insights, reliability, and proactive service. Sourcing &amp; Category Management Guide sourcing strategy across all major categories: Technology (SaaS, cloud, software), Engineering, Marketing, HR, Professional Services, and Risk. Partner closely with FP&amp;A and budget owners to influence planning, forecasting, and tradeoff decisions and deliver on cost savings and cost avoidance goals.&nbsp; Advocate for the Sourcing team with their work with Business teams to shape demand, build sourcing plans, and deliver value beyond cost (speed, quality, security, sustainability). Negotiate complex enterprise contracts with a focus on optimizing commercial, legal, and cybersecurity terms. Partner with Legal and InfoSec to streamline standard templates and review paths for faster execution. Supplier Management Build a comprehensive supplier governance program—from onboarding and due diligence to performance monitoring and renewals in alignment with applicable financial services regulations. Integrate supplier management with work done by InfoSec and TPRM teams, using a shared view of vendor data and lifecycles. Ensure alignment with SOX, internal audit standards, and public company reporting requirements. Lead efforts to expand and diversify Upstart’s supplier base while ensuring operational continuity. Team Leadership &amp; Culture Lead, coach, and develop a growing team of procurement professionals. Foster a culture of accountability, agility, continuous improvement, and strong business partnership. Advocate for processes and tools that empower internal teams—not burden them—and make it easier to get things done the right way. Promote learning and development in areas like category strategy, negotiation, and vendor relationship management. Minimum Qualifications&nbsp; Education &amp; Experience Bachelor’s degree in Business, Supply Chain, Finance or a related field; MBA or advanced degree preferred. 10+ years of progressive procurement leadership experience, including 5+ years managing complex indirect spend in a tech-forward or regulated environment (e.g., FinTech, financial services, SaaS). Experience leading procurement in a public company and working across cross-functional compliance frameworks (Legal, Security, Risk, Finance, TPRM). Demonstrated success in transforming, standardizing, and digitizing procurement processes—including intake, approvals, contract lifecycle, and supplier performance. Skills &amp; Competencies Strategic thinker with hands-on execution skills—able to toggle between big-picture vision and operational detail. Deep expertise in strategic sourcing, contract negotiation, and category management. Strong knowledge of SOX controls, vendor risk, and the regulatory nuances of working in a public company. Exceptional stakeholder management skills—able to influence and partner across all levels, from ICs to executives. Collaborative leader with high integrity, a builder’s mindset, and a passion for enabling great work through great systems. Strong process mapping and optimization mindset. Preferred Qualifications Experience with procurement tools (e.g., Zip, Ironclad, SpendHQ, or equivalents)&nbsp; Position location This role is available in the following locations: Remote&nbsp; 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 expected 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:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Director&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$184,500&mdash;$255,400 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Head of Procurement

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team The HR Technology team is foundational to Upstart’s continued success as we scale. Among other things, this team is responsible for the architecture, infrastructure and development of our people systems. You will be joining a company with engaged founders and leaders, strong values (practiced daily!) and operational rigor and discipline. Come help us build the programs and culture that will enable continued success for our employees and borrowers! As a Manager of HR Technology at Upstart, you’ll be responsible for configuration, maintenance and enhancement of Workday HCM, specifically for all areas touching Payroll, Time &amp; Absence, as well as Report Writing, Performance &amp; Talent, Security, and Integrations. A successful candidate in this role will be experienced in supporting complex reporting and integrations.&nbsp; How you’ll make an impact: Support Upstart’s multi-year people process and technology roadmap through subject matter expertise and administration across all areas of Workday HCM product, with specific focus on Payroll, Time &amp; Absence, as well as Reporting, Talent &amp; Performance, and Security. Drive both the strategic process and tactical delivery for new initiatives holistically; including data/insights analysis, business proposals, requirements gathering, planning, development, implementation, stakeholder management and on-going support. Implement solutions that ensure data is complete, accurate, secure, and appropriately mapped for reports, dashboards, and downstream reporting systems. Partner with stakeholders such as IT and HR Ops to provide input into new processes, prioritize projects/enhancements, map business processes, implement creative and effective solutions that will shape the way Upstart operates now and into the future. Troubleshoot and resolve complex issues and defects with exceptional customer service Continually increase personal knowledge and maintain individual development through learning and research What we’re looking for:&nbsp; Minimum requirements: Strong configuration knowledge of Workday HCM, including Core HCM, Payroll, Time &amp; Absence, as well as Report Writing, Performance, Security, and Integrations Excellent Workday Reporting including Advanced Reports, Matrix, and composite reports, as well as Prism Understand Workday security, SOX compliance, and controls to effectively manage and maintain security and roles Preferred qualifications: WD certifications (preferred but not required) Passion to learn additional Workday modules Excellent organizational skills and attention to detail Excellent time management skills with a proven ability to meet deadlines Strong analytical and problem-solving skills Ability to prioritize tasks&nbsp; Ability to adapt and live by Upstart values Every second counts Do not assume it can’t be done Do the right thing even when it is hard Be smart, but know you might be wrong Make clever use of numbers Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSenior --&gt; use for L5, L6 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$138,000&mdash;$190,900 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Manager, HR Technology

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; The Exception &amp; Escalation Underwriting team partners closely with Home Lending Underwriting, Processing Operations, and Closing to resolve complex HELOC scenarios that fall outside standard decision paths. This function provides second-level credit decision support, applies documented exception authority, and drives fast, defensible resolutions for time-sensitive escalations.The team also plays a key role in improving operational consistency by partnering with Credit Policy, Quality, Legal &amp; Compliance, and Closing/Title to ensure exception decisions are executable through clear-to-close and funding. &nbsp; How you’ll make an impact Own exceptions &amp; escalations: Independently resolve complex HELOC exception and escalation cases (income/asset nuance, liens, layered risk, occupancy/property considerations) within delegated authority and policy intent. Underwriting-to-close partnership: Partner directly with Closing/Title to resolve closing blockers by making timely decisions within authority—and when needed, partnering with Underwriting leadership and Legal &amp; Compliance to reach policy-aligned resolutions that keep files on track for on-time funding. Audit-ready documentation: Deliver clear, defensible rationale and executable conditions (complete notes, evidence, and requirements) that reduce downstream churn and withstand QA/audit scrutiny. Data-driven improvement: Analyze exception/escalation and closing outcomes to identify recurring friction points (rework drivers, cycle-time bottlenecks, defect themes) and translate insights into process, policy, or workflow recommendations. Enablement &amp; consistency: Contribute to calibration, edge-case guidance, and playbooks that improve decision consistency and reduce repeat escalations. &nbsp; Minimum Qualifications&nbsp; 5+ years residential mortgage underwriting experience with independent credit decision ownership &nbsp;Direct Exceptions &amp; Escalations underwriting experience (e.g., escalation desk/queue, second-level review, exception authority role) HELOC underwriting experience, including lien position/lien documentation, CLTV/HCLTV, property/occupancy, and income/asset evaluation Proven experience partnering with Closing/Title to set executable conditions and resolve underwriting-to-close issues through clear-to-close and/or funding Strong written documentation skills (clear rationale, conditions, supporting evidence) appropriate for QA/audit review Demonstrated data analytics capability to evaluate trends, quantify impact, and make process improvement recommendations (e.g., Excel/Sheets analysis, dashboards, root-cause analysis) &nbsp; Preferred Qualifications Experience partnering with Legal &amp; Compliance on policy interpretation and exception decisions Proficiency with SQL and/or BI tools (e.g., Looker/Tableau) and comfort working with operational datasets Experience contributing to workflow improvements (playbooks, decision trees, control enhancements, system triggers) that reduce rework or cycle time Familiarity with digital mortgage workflows and case management/LOS tooling Underwriting Experience with independent credit decisioning at a Fintech company &nbsp; Position location This role is available in the following locations: Remote. Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Associate&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$75,900&mdash;$105,000 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior HELOC Underwriter, Specialized Credit Decisioning & Strategy

About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!The Team:&nbsp; The Solutions Consulting team is responsible for knowing the intimate details of all Upstart’s products and the associated economics. It must turn that knowledge into solutions and partnership models for prospective lending partners,&nbsp; able to simply explain and educate partners. As the Solutions Consultant at Upstart, you will drive adoption of lending partners to the Upstart platform. &nbsp; How you’ll make an impact Function as a solutions consultant, translating ambiguous questions into structured analyses with proven ability to communicate complex analyses clearly and concisely to external stakeholders Serve as the owner for deal-related analyses, supporting new and existing LP partnerships across all Upstart products Analyze deal economics, performance tradeoffs, risk/return profiles, and product configurations across Upstart’s offering Translate analytical findings into clear recommendations that inform deal structuring, pricing, and strategic decisions. Act as business partner to Capital Markets, Sales, Product, and Finance teams &nbsp; Minimum Qualifications&nbsp; 5+ years of experience in solutions consulting, strategy, analytics or a related role SQL/Python proficiency and comfort working directly with data Ability to work with large datasets and perform rigorous quantitative analysis Experience partnering with centralized analytics or data science teams. Experience building dashboards or recurring reporting (e.g., Looker, Tableau, Mode, or similar tools) Strong stakeholder management skills and comfort operating in cross-functional environments Preferred Qualifications Experience in fintech, capital markets, lending, or financial products. Experience with multiple lending products (Personal loans, Auto, Home lending) Familiarity with deal economics, risk/return analysis, or portfolio analytics. &nbsp; Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$118,000&mdash;$163,300 USDUpstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Solutions Consultant

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Secured Lending Quality team is responsible for building and operating the first line of defense quality control program across Upstart’s secured lending products, including Home Lending and Auto Lending. The team ensures loans meet high standards for accuracy, compliance, and salability through a multi-layered quality framework spanning origination, servicing, collections, and non-performing loan monitoring. The team operates independently from production management, providing credible challenges to the business while using AI-powered technology to deliver scalable, examination-ready quality assurance. As the Secured Lending Quality Manager, you will lead quality control execution across the secured product portfolio, including pre-close and post-close reviews, compliance monitoring and testing, servicing and collections quality reviews, non-performing loan reviews, and investor defect analysis. You will serve as a key leader in strengthening Upstart’s quality infrastructure, partner closely with Operations, Compliance, Legal, and Risk, and help scale a modern, data-driven quality program in a fast-moving lending environment. This is an opportunity for an experienced quality leader who is energized by building programs from the ground up and improving how quality is measured, monitored, and operationalized across the secured lending lifecycle. How you’ll make an impact Lead execution of Upstart’s secured lending quality control program across origination, servicing, and collections, including pre-close and post-close reviews, compliance testing, denied/withdrawn application reviews, investor defect analysis, and non-performing loan reviews Oversee QC sampling methodology and ensure risk-based, statistically sound sample selection aligned with regulatory expectations Serve as product owner for the QC Engine, including rule approval, output validation, threshold calibration, and performance reporting Drive root cause analysis and remediation for defect trends, investor kickouts, repurchase demands, early payment defaults, and other quality issues Develop quality reporting, dashboards, and trend analyses for senior leadership, including defect trends, escape rates, cure rates, sampling coverage, and corrective action status Prepare the Quality function for audits and regulatory exams through strong documentation, evidence management, and examination-ready processes Partner with Operations, Compliance, Legal, Risk, and servicing teams to align on quality standards, escalation paths, and remediation timelines Oversee third-party, subservicer, servicing, and collections quality reviews, including compliance with applicable consumer lending requirements Support model risk monitoring through quality reviews tied to credit decisioning, adverse action accuracy, and early default trends Minimum Qualifications&nbsp; 7+ years of experience in quality control, compliance testing, or risk management in consumer lending, including secured lending products such as mortgage, home equity, or auto 2+ years of experience leading a QC team or managing quality analysts or auditors Experience conducting pre-close and post-close file reviews, defect identification, root cause analysis, and corrective action management Experience with regulatory exams and responses involving agencies such as the OCC, FDIC, CFPB, or state regulators Experience designing or implementing QC sampling methodologies, including random and risk-based sampling Experience with non-performing loan reviews, early default analysis, repurchase reviews, or servicing quality oversight Working knowledge of key consumer lending regulations applicable to secured products Bachelor’s degree or equivalent practical experience &nbsp; Preferred Qualifications Experience with AI-powered or automated QC tools Experience with investor delivery requirements, repurchase demands, or loan buybacks Experience with third-party and subservicer oversight frameworks Experience building dashboards, executive reporting, or board-ready quality materials Ability to translate complex regulatory requirements into practical QC procedures and testing frameworks Strong cross-functional communication skills in a fast-paced lending environment &nbsp; Position location This role is available in the following locations: Remote&nbsp; 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. &nbsp; &nbsp; &nbsp; #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$145,100&mdash;$201,100 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp; Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Product Quality Manager

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. 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. 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 10–15 years of software engineering experience, including 4–7 years managing high-performing engineering teams. Demonstrated ownership of systems with strict reliability, latency, and correctness constraints. Domain experience in pricing, fintech, lending, payments, marketplaces, or real-time decisioning systems. Strong system design and architectural skills, with the ability to dive deep into technical issues as needed. Deep experience leading backend and distributed systems in production environments. Proven success leading cross-functional, multi-quarter initiatives in complex, fast-paced environments. Excellent communication skills and the ability to effectively collaborate with both technical and non-technical stakeholders. Strong product intuition and business judgment, with the ability to assess tradeoffs, risk, and long-term impact. Preferred Qualifications Familiarity with operating in regulated environments and working with external partners. Experience specifically in fintech or finance, working with pricing, risk, or other Machine Learning adjacent teams where correctness and regulatory compliance is critical. 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. &nbsp; 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&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,000&mdash;$270,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Manager, Software Engineering - Core Pricing

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Machine Learning is at the heart of Upstart’s business model, our models are the product. Our team includes research scientists, data scientists, and machine learning engineers who build and improve production models and the systems around them across the funnel: underwriting and pricing, fraud detection, performance marketing, loan servicing&nbsp; and fair lending/explainability. We tackle high‑impact problems, from underwriting and pricing to monitoring and fairness, where creativity, rigor, and strong engineering directly move the business. The Role As a Data Scientist Intern, you will leverage your technical and business acumen to become a specialist in our models, products, business and how the models interact with the business. You will identify potential problems or opportunities for improvement, communicate these issues to the team and suggest solutions. This involves self-directed investigation into Upstart’s data and product, offline analyses using creative thinking as well as presentation to the ML team. You will receive mentorship from experienced DS/ML practitioners and collaborate closely with ML scientists to improve our products and models via data-driven insights. How you’ll make an impact Understand the underpinnings of ML models and how they create value for the business Identify data sources, use statistical methods and write clean code to conduct offline analyses about ML models and/or Upstart products Communicate findings clearly to get buy-in for recommended next steps. Work with your mentor to align stakeholders, and drive next steps. Minimum Qualifications&nbsp; Bachelor (or above) degree in Statistics, Mathematics, Economics, Finance, or a related quantitative field. We require that you are on track to graduate by the summer of 2027. Strong fundamentals in statistical, probability, and machine learning theory. Ability to perform data analysis in Python, as well as basic SQL foundations. Ability to communicate data insights to non-technical audiences Strong sense of intellectual curiosity, humility, drive and teamwork, as well as communication skills. Ability to use modern agentic tooling (Claude Code, Codex, …) efficiently. Preferred Qualifications Phd in Statistics, Mathematics, Economics, Finance, or a related quantitative field. We require that you are on track to graduate by the summer of 2027. Expert-level statistical (frequentist, bayesian, causal) theory/econometrics knowledge. Strong coding skills in Python. Position location This role is available in the following locations: Remote&nbsp; 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-Internship At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$141,000&mdash;$150,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Data Science Intern

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team As a Senior Analytics Engineer at Upstart, you will design and develop robust and scalable data models for analytical stakeholders to empower them to retrieve meaningful insights. Our analytics engineering team is centralized within the company and partners closely with data engineering, data platform, software engineers, ML engineers and cross functional analytics squads to stitch together datasets to create data models that are ready for consumption. In addition to architecting data models, we implement Analytics Engineering best practices around Data Governance, Data Quality, Data Orchestration and pipeline optimization. We enable analysts to think like software engineers by defining, documenting and ensuring adoption of best practices when making contributions to the analytical code-base. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus&nbsp; Time Zone Requirements - The team operates in all US 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. How you’ll make an impact: Understand how data is produced and consumed at a deep level - you will need to be extremely collaborative with the teams that produce and consume the data to create an end-to-end solution that maximizes the value of our data Lead efforts to design data models and build curated data sets that are the foundation of reporting and analytics at Upstart Collaborate with data engineers and data platform teams to create analytics pipelines Meet consumers of data where they are by wearing an educator’s hat and training them on how to use BI tools and dashboards Be a close strategic partner to analytics squads to participate in decision making on the analytics road map for Upstart&nbsp; What we’re looking for:&nbsp; Minimum requirements: 5+ year(s) of experience as a Data Engineer / Analytics Engineer / BI Engineer Strong understanding of data modeling concepts in both transactional and analytical databases Proven ability to lead cross-team projects to create data models for analytics/reporting purposes Excellent communication and collaboration skills, particularly when explaining technical or complex matters to less technical co-workers Expertise in SQL, Python, and ETL optimization techniques Preferred qualifications: Familiarity with business intelligence visualization tools such as Mode, Looker, Tableau, Power BI, etc. Experience creating curated data models using a data mesh architecture Experience with cloud computing platforms such as Amazon Web Services (AWS), Azure and/or Google Cloud Experience with building Looker data models (LookML), analytics engineering frameworks like dbt, orchestration tools like Airflow, schema design, and dimensional data modeling Thorough understanding of data lake/warehouse architectures (BigQuery, Databricks, Redshift) #LI-REMOTE #LI-Associate&nbsp;At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$163,600&mdash;$226,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Analytics Engineer

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s lending partnership team is responsible for growing and managing the banks and credit unions that leverage Upstart’s consumer lending technology to enable access credit. &nbsp; &nbsp; As an Senior Account Manager, you will own and grow strategic lender partnerships by acting as a trusted advisor, business operator, and internal advocate. You’ll be responsible for driving results, deepening relationships, and helping partners maximize value from our products and capabilities while navigating risk, performance, and growth objectives. This role sits at the intersection of relationship management, financial acumen, and cross-functional execution. How you’ll make an impact Own and Grow Strategic Relationships Build strong, trusted relationships with business owners through frequent, proactive engagement Establish rapport with executive sponsors and senior leaders, serving as a trusted escalation point and advisor Lead monthly KPI discussions and periodic business reviews with cross-functional stakeholders Demonstrate empathy and a service-oriented mindset to deeply understand partner goals and needs Leverage partners for references and advocacy; show appreciation through thoughtful outreach&nbsp; Drive Business Results Grow lender origination volume through expanded product usage and optimized credit configurations Identify and execute opportunities to expand products and capabilities within existing accounts Negotiate new and existing contracts to achieve favorable terms and long-term partnership value Partner with internal teams to unlock growth while maintaining strong portfolio performance Advise on Risk, Performance &amp; Financials Serve as a subject-matter expert on lender-controlled risk levers, including configurations and program adjustments Explain pricing structures and return mechanics so partners can set and manage returns throughout the lifecycle of a program Analyze and communicate loan performance and overall portfolio health Cross-Functional Collaboration Act as a partner across internal teams including data analytics, sales consulting, sales, legal, compliance, product, implementation, operations, and customer success Influence without authority to drive alignment and execution across teams Represent and advocate for partners internally while balancing company objectives Operational Excellence Maintain accurate and up-to-date account records in Salesforce, including priorities, relationship context, and opportunities Track opportunities and ensure status and contacts are current Leverage enterprise tools effectively, including G-Suite, Zoom, Slack, Salesforce, Jira, and ticketing systems Minimum Qualifications&nbsp; 10+ years of experience in consulting, financial services, or operations — ideally within a fintech or financial institution. Highly proactive with a strong sense of urgency and ability to prioritize high-impact work Comfortable operating autonomously in a fast-changing environment Executive presence with the ability to create and deliver compelling presentations and proposals Skilled at navigating complex situations and delivering tough messages when needed Demonstrated experience with, and a strong working knowledge of, financial services regulations and compliance requirements Preferred Qualifications Experience in consumer lending Position location This role is available in the following locations: Remote&nbsp; 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. At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$150,000&mdash;$200,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Account Manager

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Privacy and Data Governance Risk team is responsible for building and operating a scalable, risk-based privacy program that supports our AI-powered lending platform. The team partners closely with Engineering, Product, Data Science, Data Analytics,Information Security, Legal, and Compliance to ensure responsible data use, regulatory alignment, and privacy-by-design across Upstart’s products and machine learning lifecycle. As the Manager of Privacy Compliance &nbsp;at Upstart, you will play a critical role in shaping and maturing the company’s privacy program. You will embed privacy controls into AI/ML systems, financial products, and data pipelines while enabling innovation and supporting compliance with complex financial and privacy regulations. How you’ll make an impact Build, manage, and mature Upstart’s privacy program in alignment with consumer finance and privacy regulatory requirements. Partner with Product, Engineering, Data Science, Data Analytics, Legal, Security, and Compliance to embed privacy-by-design into AI models, underwriting workflows, data pipelines, and new product features. Lead privacy risk and impact assessments (DPRAs/PIAs/DPIAs) for new product launches, machine learning models, new data sources, consumer-facing financial products, and emerging technologies. Support privacy aspects of model governance, explainability, algorithmic fairness reviews, and data lifecycle management. Maintain enterprise privacy documentation, including records of processing activities, data flow diagrams, and system-of-record artifacts to support audits and regulatory expectations. Collaborate with Security and Compliance on data safeguards, access controls, vendor assessments, and privacy incident response activities. Minimum Qualifications&nbsp; Bachelor’s degree in law, business, information systems, computer science, or related discipline (or equivalent experience). 5+ years of privacy, compliance, risk, or data governance experience within fintech, financial services, AI/ML, or other highly regulated environments. Strong working knowledge of: Experience conducting DPRAs/PIAs/DPIAs, managing privacy controls, and partnering with technical teams. Ability to translate regulatory requirements into actionable requirements for engineering and data science. Preferred Qualifications Professional privacy certifications such as CIPP/US, CIPM, or CIPT. Experience supporting credit decisioning, lending, underwriting, fraud prevention, or financial operations. Familiarity with model governance, automated decision systems, and AI/ML lifecycle processes. Experience supporting regulatory examinations, internal audits, or external audits. Knowledge of modern cloud architectures, data platforms, machine learning tooling, and generative AI &nbsp; Position location This role is available in the following locations: Remote&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$145,100&mdash;$201,100 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Manager of Privacy Compliance

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Information Security Governance, Risk, and Compliance (GRC) team is passionate about building clear, scalable approaches to security governance, risk management, and regulatory compliance. We believe effective security governance should enable innovation, move at the speed of the business, and support informed, risk-based decision-making. Our team’s mission is to protect customer trust and meet regulatory and contractual commitments by defining, assessing, and maintaining strong security controls across our product platforms and enterprise. We achieve this through thoughtful automation, close collaboration with engineering and business partners, and a focus on delivering a low-friction, positive experience for Upstarters. &nbsp; As an Information Security GRC Program Manager, you will own and execute defined GRC programs that help protect customer trust, support regulatory requirements, and enable secure business growth. You will work closely with technical, operational, and business partners to assess risk, support compliance initiatives, and help embed security practices into day-to-day operations. &nbsp; How you’ll make an impact Enable teams to move faster and more securely by acting as a trusted GRC partner, translating audit, risk, and compliance requirements into practical guidance. Ensure audit readiness and successful outcomes by coordinating core assurance activities, including SOX IT and SOC 2, across engineering, IT, and business teams. Protect customer and partner trust by managing security due diligence requests from prospective and existing business partners, delivering clear and timely responses. Strengthen security governance by owning policy management, including drafting, maintaining, reviewing, and driving awareness of information security policies and standards. Reduce third-party risk by supporting and executing the information security third-party risk management program, including vendor assessments, risk tracking, and remediation follow-up. Improve the efficiency and consistency of GRC operations through process improvement and thoughtful use of automation and tooling. &nbsp; Minimum Qualifications&nbsp; 5+ years of experience in information security, GRC, or IT/Information Security audit. Demonstrated experience operating GRC programs (supporting audits, risk assessments, control testing activities, policy management, 3rd party security risk) in a regulated technology or financial services environment. Working knowledge and ability to apply common security and compliance frameworks (SOC 2, NIST CSF 2.0, NIST SSDF, NYDFS, etc.). Strong written and verbal communication skills with both technical and non-technical audiences. Ability to design metrics, KRIs, and reporting for diverse stakeholders. Preferred Qualifications Experience in cloud-native environments (AWS preferred). Experience using GRC automation tools. Relevant certifications (CISSP, CISA, CRISC, CISM). Scripting or light coding skills to automate workflows and system integrations is a plus. Familiarity with privacy and data protection requirements (e.g., GDPR, CCPA). Position location This role is available in the following locations: Remote &nbsp; Time zone requirements The team operates on the East Coast/Central/Mountain/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 expected 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.At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$140,000&mdash;$194,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Information Security Program Manager - GRC

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Growth Partnerships team creates, manages, and expands&nbsp; a diverse and growing set of partnerships that help Upstart acquire, retain, and better serve our customers. We work with&nbsp; mission-aligned companies to expand Upstart’s reach and impact - companies whose customers can benefit from effortless credit, or whose products add value for our own customers. As one of Upstart’s&nbsp; primary engines of customer acquisition, the partnerships&nbsp; we create and grow are central to Upstart’s success. As the Partner Operations Associate at Upstart, you will play a critical role in ensuring our partner program operates smoothly and efficiently. You will own the operational backbone of Growth Partnerships—supporting partner onboarding, reporting, invoicing, and day-to-day partner needs—while collaborating closely with Account Managers and cross-functional teams (e.g. product, engineering, legal, and marketing). This is a new individual contributor role with high ownership, significant visibility, and meaningful opportunities for growth as the partner program scales. How you’ll make an impact Own partner operations workflows, ensuring consistent, efficient execution across onboarding, reporting, payments, and ongoing partner support Partner closely with Account Management to support partner health, retention, and expansion through operational excellence Coordinate cross-functionally with Product, Engineering, Marketing, Creative, and Legal to resolve technical issues, launch initiatives, and support partner needs Maintain accurate partner documentation, processes, and operational playbooks to support scale and consistency Identify opportunities to improve operational efficiency through process optimization, automation, and tooling Execute end of month book reporting process to ensure accurate and timely payments to partners based on contractual agreements&nbsp; Work with Upstart Legal and Compliance to ensure our partners are representing Upstart’s products in an accurate and compliant way Minimum Qualifications&nbsp; 4+ years of experience in operations, partner operations, program management, or a related role Advanced proficiency with spreadsheet tools (e.g., Excel or Google Sheets), including data organization, analysis, and reporting Experience managing multiple workflows or projects simultaneously in a fast-paced environment Demonstrated ability to own processes end-to-end with a high degree of accountability &nbsp;Experience managing recurring reporting, reconciliation, or close processes tied to financial or performance outcomes Preferred Qualifications Experience supporting partner, vendor, or customer-facing programs in a technology or financial services environment Proficiency with business intelligence tools such as Looker or Mode Experience using generative AI tools to improve operational efficiency or automate workflows Comfort working with multiple data sources and internal dashboards to validate and reconcile results SQL experience or ability to write basic queries for data validation and analysis Experience supporting compliance audits or regulatory documentation processes Position location This role is available in the following locations: Remote&nbsp; 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. &nbsp; #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$109,700&mdash;$151,800 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Partner Operations Manager

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; As the Senior Complaints Specialist at Upstart, you will be responsible for ensuring that Upstart provides high quality customer experience, complies with all federal and state regulations, and adheres to Upstart’s policies and procedures. You will be an escalation point for customer complaints, perform in-depth investigations, analyze trends and report to senior leadership, and provide feedback and recommendations to management as needed How you’ll make an impact Quickly and accurately review complaints to identify root cause, determine appropriate resolution, craft and deliver a response to the complainant and remediate any potential customer harm (as necessary) Manage a pipeline of complaint cases and determine the appropriate partners to collaborate with to resolve the customer’s complaint Remain up to date on organizational policies and processes to ensure timely responses can be provide Minimum Qualifications&nbsp; 2 years of experience investigating customer complaints and responding in written form Strong attention to detail and ability to multitask&nbsp; Exceptional written communication skills Ability to quickly learn and adapt to new technology systems and processes Preferred Qualifications Knowledge of regulations including, but not limited to: FCRA, UDAAP, FDCPA, ECOA Previous experience conducting investigations and/or handling complaints related to Identity Theft, Fraud, Auto Loans, Bankruptcy, Home Lending (e.g., HELOC, etc.) and Credit Disputes&nbsp; Bachelor’s degree preferred Experience with LLMs (e.g., ChatGPT, Gemini, etc.)&nbsp; 6+ months of proven success working with cross-functional teams to resolve complaints&nbsp; 1+ years of experience in a highly regulated industry, preferably financial services 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.This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.&nbsp; At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).&nbsp;United States | Remote - Anticipated Hourly Rate Range$25.48&mdash;$25.48 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Complaints Specialist

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s Security team is dedicated to advancing security practices that enhance the safety of our products, customers, and partners. We believe security should empower innovation, move at the speed of the business, and be built in from the ground up. Our mission is to protect Upstart’s products and enterprise while enabling teams to move quickly and safely through strong collaboration, automation, and thoughtful security design. As a Principal Security Engineer focused on Data Security, you will play a critical role in defining, building, and leading Upstart’s data security program. This is a highly impactful role that combines deep hands-on technical execution with program leadership. You will design and implement scalable data security capabilities, influence cross-functional partners across the company, and help establish long-term strategy and accountability for how data is protected at Upstart. This role is ideal for a senior security practitioner who enjoys operating at the intersection of coding, architecture, and cross-functional leadership, and who has experience taking complex security programs from concept to reality. &nbsp; Position Location - This role is available in the following locations: Remote (US), San Mateo, Columbus, Austin Time Zone Requirements - This 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. &nbsp; How you’ll make an impact: Lead the design and execution of Upstart’s data security program, from early foundations through mature, scalable systems Architect and build software solutions (APIs, services, and internal tools) that enable effective data protection and governance Partner closely with Engineering, Analytics, Product, Legal, Risk, HR, and other stakeholders to secure sensitive data across diverse domains Establish clear goals, success metrics, and accountability for data security initiatives Drive adoption of least-privilege access models and modern data protection patterns across the organization Mentor engineers and security practitioners, fostering strong technical standards and a culture of ownership Continuously improve systems by learning from real-world signals such as false positives, operational feedback, and evolving threats &nbsp; What we’re looking for:&nbsp; Minimum requirements: Extensive experience across enterprise and operational security domains, with deep focus on Data Security and Identity &amp; Access Management Experience owning or leading a Data Security, DLP (Data Loss Prevention), or DSPM (Data Security Posture Management) initiatives Proven experience leading security programs that span multiple teams and functions Strong software engineering background, with the ability to design and build production-quality systems (e.g., APIs, services, or internal web applications) Experience launching new security capabilities or programs from 0 to 1 in complex environments Deep understanding of least-privilege principles and practical experience applying them at scale Excellent communication skills, with the ability to influence senior technical and non-technical stakeholders Ability to navigate ambiguity, make sound tradeoffs, and independently drive meaningful change Preferred qualifications: Familiarity with modern data protection tooling such as endpoint DLP, data classification, or posture management platforms Experience working with diverse data domains (e.g., analytics, reporting, business operations, or people data) Contributions to the security community through talks, publications, open-source projects, or other industry involvement Familiarity with compliance frameworks such as SOC 1, SOC 2, and SOX Interest in long-term growth as a senior individual contributor, with openness to future people leadership paths At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$190,600&mdash;$263,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Security Engineer, Data Security

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team We’re a small, senior engineering team building a new product within Upstart, focused on helping consumers access responsible and affordable credit. We operate with a startup mindset—lean, fast, and deeply focused on impact. With a greenfield codebase and a high degree of autonomy, we’re shaping both the product and the way modern engineering teams work in an AI-native environment. How you’ll make an impact: Design and build the frontend systems that power a brand-new consumer credit experience. Develop scalable, distributed services using event-driven architectures to ensure reliability, observability, and long-term maintainability. Collaborate closely with design and product to translate intent into features that serve millions of consumers. Drive technical decisions in a zero-to-one product environment, balancing speed with high-quality execution. Apply AI-native workflows to accelerate development, testing, analysis, and documentation. Help define engineering best practices and culture within a fast-moving and outcome-driven team. &nbsp; What we’re looking for:&nbsp; Minimum requirements: 4+ years of experience building frontend and backend systems in production, ideally for consumer-facing applications. Strong technical background in distributed systems and event-driven architecture (Kafka, SQS, Kinesis, or similar). Proficiency in object-oriented programming languages (e.g., Java, Kotlin, C#, Python, Ruby) and familiarity with relational databases, APIs, and caching. Demonstrated ability to work autonomously and thrive in ambiguous, early-stage product environments. Deep product sense with a strong focus on end-user experience and outcomes. Familiarity with observability and reliability concepts (metrics, logs, traces, SLOs). Actively uses AI tools in engineering workflows, with strong opinions about the future of AI in software development. Excellent written and verbal communication skills. &nbsp; Preferred qualifications: Experience at consumer-focused (B2C) fintech or technology companies with millions of users. Background in backend systems related to payments, credit, or high-scale user workflows. Experience building zero-to-one products and contributing to product direction in small teams. Exposure to schema evolution and safe data migrations in distributed environments (e.g., Protobuf, Avro). Entrepreneurial mindset—comfortable in dynamic environments, with a bias toward action and ownership. Track record of scrappy, high-quality execution and an interest in building software that serves underserved populations. Strong AI instincts—interest or experience building agentic systems or applying LLMs to development and testing. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote, San Mateo, Columbus, Austin&nbsp; 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&nbsp;At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$142,000&mdash;$226,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, New Product

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Growth Marketing team drives scalable, data-driven customer acquisition across our lending products. We design, execute, and optimize media strategies that connect consumers to credit at the moments that matter most. This year, Upstart will begin to make investments in bringing our brand story to life, and with it, make Upstart a true power-house brand in fintech. We’re seeking a new Head of Brand Media to lead that charge.&nbsp; As Director of Brand Media &amp; Sponsorships at Upstart, you will own the strategy, execution, and measurement of our brand media investments and external sponsorships. This role is net-new and responsible for driving incremental growth and brand impact through TV and streaming media, strategic sponsorships, and integrated brand activations. We’re looking for someone who is up to the challenge of making Upstart a memorable and household name, while also bringing some fun and analytical rigor to the mix.&nbsp; You will lead how Upstart shows up in high-reach environments by owning media buying strategy, partner relationships, and cross-functional collaboration with Analytics, Creative, and Product Marketing to ensure our brand investments are measurable, scalable, and effective. This is a senior, highly visible role with end-to-end ownership across planning, buying, partnerships, and performance evaluation. As a net-new role, you’ll be responsible for leading our initial brand investment strategy and scaling the budgets, team and strategy from zero to one. &nbsp; How you’ll make an impact Own Upstart’s branded media and sponsorship strategy from annual planning through in-market optimization. Lead TV and top-of-funnel media buying, including partner selection, negotiation, budgeting, flighting, and performance evaluation. Develop and manage strategic brand partnerships, sponsorships, and integrations that extend Upstart’s reach and reinforce brand credibility. Develop and execute branded activations in partnership with digital, creative, and external partners, ensuring alignment with brand and business goals. Partner closely with Analytics to define measurement frameworks for brand media, including incrementally testing, lift studies, MMM inputs, and attribution approaches. Collaborate with Creative and Product Marketing to translate brand strategy into effective media executions and partner activations. Scale significant annual brand media budgets, balancing reach, frequency, and efficiency while adapting to performance signals and market conditions. Establish best practices for brand media planning, buying, and measurement as Upstart continues to scale upper-funnel investment. &nbsp; Minimum Qualifications&nbsp; 10+&nbsp; years of experience in brand media, partnerships, or integrated marketing, with meaningful ownership of TV and/or large brand partnerships. Proven experience managing large-scale media budgets&nbsp;and leading negotiations with media buyers, networks, or platforms. Strong analytical skills, with the ability to interpret performance data, design experiments, and make data-driven decisions in ambiguous environments. Track record of developing and executing sponsorships or strategic partnerships that deliver measurable brand or business impact. Experience operating in a highly cross-functional environment, partnering with creative, finance, analytics, and senior stakeholders. Ability to thrive in a fast-paced, high-growth environment where adaptability and problem-solving are key &nbsp; Preferred Qualifications Experience operating in highly regulated or longer consideration cycle vertical (e.g., financial services, fintech, lending, insurance, marketplaces). Experience scaling brand investment from early experimentation into a more mature, repeatable media program. Familiarity with marketing mix modeling, brand lift studies, or advanced media measurement methodologies. Experience managing agencies across media planning, buying, and partnerships. &nbsp; Position location This role is available in the following locations: Remote, with a preference to be based in NYC area 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. At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,800&mdash;$271,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director of Brand Media and Sponsorships

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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 Software 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. &nbsp; 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 &nbsp; Minimum Qualifications&nbsp; 10+ years combined experience across 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, and 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 &nbsp; 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 &nbsp; Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,300&mdash;$270,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Software Engineer, Site Reliability

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s legal team is a key component of the company, helping Upstart innovate in the AI and fintech space across multiple products and supporting its mission of expanding access to credit based on true risk. We are a team of savvy, hardworking and genuinely nice individuals collaborating closely with the business in achieving its objectives. As the Senior Paralegal, Corporate at Upstart, you will serve as a key operator supporting Upstart’s public company reporting and corporate governance processes. You will partner closely with others on the Corporate Legal team and cross-functional stakeholders to manage board and committee workflows, subsidiary governance, SEC reporting logistics, Section 16 reporting, and other miscellaneous corporate matters. This role is critical to ensuring strong execution, precise documentation practices, and scalable infrastructure across the organization. &nbsp; How you’ll make an impact Assist with the preparation and coordination of corporate and SEC filings, including Forms 10-K, 10-Q, 8-K, proxy statements, and Section 16 reports Support corporate governance activities and maintenance of board and committee processes, including drafting minutes, resolutions, and agendas, maintaining records, and coordinating D&amp;O questionnaires Oversee subsidiary management, including entity records, officer and director tracking, organizational charts, annual filings, and related governance documentation Support legal aspects of acquisitions, financings, and capital market transactions, including data room management and due diligence requests, assisting with closing documents, and organizing signature collection. Work with other members of the Legal team as well as other company functional departments on special projects and initiatives Manage U.S. state and local filings, business licenses, and various business entity documents with governmental agencies. Design, develop, and implement or improve systems and processes to increase efficiency, support scalability, and ensure quality &nbsp; Minimum Qualifications&nbsp; Bachelor’s degree and paralegal certification 7+ years in a corporate paralegal role at a public company or major law firm Experience of supporting SEC reporting, including Forms 10-K, 10-Q, proxy statements, and Section 16 filings Proven support of Board of Directors and committee governance processes Demonstrated responsibility for corporate records, minute books, and subsidiary management Preferred Qualifications Background in a high-growth technology company Proficiency with Workiva (Wdesk), Boardvantage, EDGAR, and Google Workspace Administration of insider trading compliance programs and Rule 10b5-1 plans Participation in debt or equity offerings and M&amp;A transactions Familiarity with SOX-related disclosure controls and public company compliance frameworks Track record of improving governance workflows or implementing legal technology solutions A self-starter mentality with the ability to thrive working under limited direction and an attitude that no job is too challenging or too small. &nbsp; Position location: SF Bay Area (preferred) 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$129,000&mdash;$178,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team As a Commercial Lawyer at Upstart, you will join a commercial legal team that is a strategic partner to the business, sitting at the intersection of cutting‑edge technology, product, and go‑to‑market execution. We structure and negotiate high‑impact commercial deals with partners and vendors that don’t just protect the company, but unlock revenue, accelerate product adoption, and deepen critical partnerships. By working hand‑in‑hand with Sales, Procurement, Product, and Finance, we drive clarity on risk, craft creative solutions to get complex deals over the finish line, and help shape how Upstart shows up in the market with our counterparties. This role will primarily support commercial legal work, with the opportunity to flex into supporting our Lending Partnerships team for a meaningful portion of time. It’s a chance to operate at a critical cross‑section of Upstart’s business, driving both commercial execution and the partnerships that power our AI lending platform. How you’ll make an impact Serve as commercial counsel for vendor and general commercial contracts across Upstart - from inception to execution - including SaaS, data, auto dealer software, and other third‑party agreements, and provide practical, risk‑aligned guidance that keeps deals moving; Build a deep understanding of Upstart’s products and vendor ecosystem, and collaborate closely with Procurement, Third‑Party Risk Management, Information Security, Product, Finance, and other internal clients to understand and support their goals; Review, draft, and negotiate a wide variety of commercial agreements (including master service agreements, software licenses, SOWs, data protection agreements, professional services agreements, and other procurement contracts), using playbooks and templates while spotting when bespoke structuring is required; Drive efficient deal flow by triaging and managing tickets through tools like Zip and Ironclad, escalating issues to the right stakeholders, and helping streamline intake, approvals, and closing processes; and Help build and continuously improve the commercial legal function at Upstart by creating scalable playbooks, templates, and training for Procurement and business teams. &nbsp; Minimum Qualifications J.D. degree with solid academic credentials and an active state bar membership (NY or CA preferred); 5+ years of experience in a transactional practice at a law firm and/or in‑house, with a focus on technology and commercial contracts (SaaS, data, and other vendor agreements); Experience reviewing, drafting, and negotiating complex SaaS and other technology/data agreements, ideally in a regulated industry or when contracting with regulated financial institutions; Ability to act as a negotiator on fast‑moving, complex deals, combining strong analytical judgment with high EQ to build consensus with internal and external stakeholders on tricky issues under timing pressure; Comfort working with privacy, security, and data‑use terms (including DPAs and information security exhibits), and collaborating with subject‑matter experts to resolve issues efficiently; Not just an issue‑spotter but an issue‑solver, with a “can‑do” mindset, a habit of moving quickly, and ownership to drive matters from start to finish; and Holds an exceptionally high bar for their own work product and seeks to work with teammates who operate at a similarly high standard. &nbsp; Preferred Qualifications Prior in‑house experience on high‑impact legal teams at a fintech, financial services, or technology company; start‑up or high‑growth company experience is a plus; Experience leading and closing complex commercial negotiations (for example, strategic SaaS, data, or infrastructure vendor deals); Genuine curiosity about how Upstart’s business works and a desire to jump in cross‑functionally to help teams solve problems, even when the work sits outside traditional legal lanes; Over time, a desire to mentor and collaborate with other members of the legal team, and to help build efficient, scalable processes as we grow and evolve; Strong communication skills with a demonstrated ability to translate complex legal and risk concepts into clear, actionable guidance for non‑lawyers;&nbsp; Eagerness to dive into new products, AI and data issues, and unfamiliar areas of law with a solutions‑oriented, low‑ego mindset; and Entrepreneurial drive who sees ambiguity as opportunity, and obstacles as chances to build new solutions. &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East &amp; West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-Associate&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$152,000&mdash;$210,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Commercial Lawyer

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; As a Senior Customer Contact Specialist at Upstart, you’ll be part of a multi-skilled team that supports applicants across phone, email, and other digital channels throughout the pre-origination journey. You’ll handle a wide range of regulatory, general, and complex application-related inquiries, with a primary focus on resolving escalations from our frontline vendor support&nbsp; team. In this role, you’ll serve as a subject matter expert on our products and procedures—answering associate questions in Slack, contributing to scripts and templates, and ensuring every interaction meets our quality, compliance, and SLA expectations. How you’ll make an impact Respond to inbound email/phone inquiries and manage real-time chat support (in future-state implementation), providing accurate, helpful, and timely information. Take ownership of escalation calls from applicants requesting a supervisor, resolving concerns professionally while adhering to compliance and policy guidelines. Act as a subject matter expert by answering questions from our vendor support teams via slack. Support funnel conversion by proactively identifying and addressing common applicant questions or pain points. Maintain accurate notes of all applicant interactions to ensure visibility and alignment across teams. Identify opportunities to improve CX processes, documentation, or messaging based on recurring feedback or support trends. Minimum Qualifications 1–2 years of experience in customer service and/or contact center support within a financial services or fintech environment. Outstanding communication and interpersonal skills, including the ability to explain complex information clearly and professionally. Proven ability to handle sensitive or escalated customer conversations with empathy and professionalism. Comfortable navigating multiple systems and tools simultaneously (e.g., Salesforce, Vesta, telephony and chat platforms). Demonstrated expertise in time management, effectively prioritizing and balancing competing tasks to meet tight deadlines. Impeccable judgment and acute attention to detail; ability to identify/anticipate&nbsp; customers’ needs and clarify information. Proven track record of excelling in a metric based environment. Preferred Qualifications Financial services industry experience. Familiarity with front-line customer support tools and knowledge management platforms. Comfort working in high-growth, change-oriented environments where feedback loops are fast and frequent. Previous experience providing service for multiple product lines Position location This role is available in the following locations: Columbus, OH. Time zone requirements The team operates on the East/West coast time zones. The open shift times that we currently have are:&nbsp; Tuesday-Saturday: 11:30-8pm (EST) Sunday-Thursday: 11:30-8pm (EST) Tuesday-Saturday: 9-5:30pm (EST) 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. This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.Columbus, OH - Anticipated Hourly Rate Range$25.48&mdash;$25.48 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Customer Contact Specialist

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Verifications Decisioning Engineering team builds the backend platform that powers automated verification, fraud detection, and approval decisions across all lending products. The team owns verification logic, risk signal generation, document automation, bank account integrations, and rule-based decisioning systems that enable near-instant funding experiences. Our north-star goal is to achieve fully&nbsp; automated decisioning while maintaining risk correctness and compliance integrity. As a Software Engineer II&nbsp;you will build and scale backend services that power automated approval decisions, verification workflows, and fraud detection systems. You will work on distributed systems that integrate with third-party data providers, machine learning models, and internal rule engines to power accurate, compliant, and highly automated lending decisions, while collaborating cross-functionally to optimize the verifications&nbsp; journey, and contributing to the development of our next-generation decisioning and automation platform. How you’ll make an impact Design and build backend services that power verification orchestration, risk evaluation, and automated approval decisions. Develop and evolve rule engines and decisioning systems to increase automation coverage across products. Integrate external data providers (e.g., Plaid) into resilient, scalable workflows. Improve document automation pipelines including classification, extraction, and fraud detection systems. Build and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities. Partner with ML engineers to productionize risk models and ensure decision correctness at scale. Contribute to platformization efforts to standardize Verifications stages and enable cross-product reuse. Strengthen compliance, data integrity, and observability across verification systems. Minimum Qualifications&nbsp; 4+ years of professional software engineering experience. Experience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python. Experience developing and operating distributed systems, including service-to-service APIs and event-driven architectures. Experience contributing to a decision engine that integrates with machine learning models to evaluate signals.. Experience writing production-quality code with testing and monitoring. Bachelor’s degree in Computer Science or equivalent practical experience. Preferred Qualifications Experience building rule engines, decisioning systems, or risk evaluation platforms. Experience working with financial services, lending, fraud detection, or identity verification systems. Experience integrating third-party APIs and external data providers. Familiarity with workflow orchestration systems (e.g., Temporal). Experience working with Kafka or event-driven systems. Exposure to ML model integration in production systems. &nbsp; Position location This role is available in the following locations: Remote &nbsp; 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 expected 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. &nbsp; #LI-REMOTE #LI-Associate --&gt; use for L3, L4 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$142,000&mdash;$196,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Software Engineer II, Verifications Decisioning

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart is seeking a Collections Vendor Manager to support the day-to-day performance and operational execution of our collections vendors and closely partnered internal teams. This role serves as a primary point of contact for assigned partners, working closely with vendor leadership and internal stakeholders to ensure daily operations run smoothly and performance expectations are consistently met. The ideal candidate brings strong working knowledge of collections operations and vendor-managed environments, and is comfortable operating in the details — monitoring performance, guiding partners through issues as they arise, and supporting adherence to operational, quality, and borrower experience standards. This role plays a critical part in reinforcing accountability, supporting operational stability, and ensuring borrower interactions reflect Upstart’s standards of care, efficiency, and consistency. How you’ll make an impact Drive Agency Partner Performance: Manage and monitor the day-to-day performance of external vendors responsible for collections services, ensuring they meet or exceed key performance metrics. Enable Business Outcomes: Collaborate with internal stakeholders to align vendor performance with Upstart’s strategic objectives, ensuring that vendor contributions drive measurable business outcomes. Enhance Borrower Experience: Ensure that agency partners deliver a personalized and effortless borrower experience, addressing borrower needs quickly and effectively while maintaining Upstart's commitment to quality. Monitor and Enforce KPIs: Track vendor performance using established KPIs, such as response times, collections success rates, customer satisfaction scores, and compliance with service level agreements (SLAs). Vendor Relationship Management: Build and maintain strong relationships with external agencies to foster open communication, partnership, and alignment with Upstart’s goals. Performance Improvement Initiatives: Collaborate with vendors to identify areas for improvement, provide actionable feedback, and work together to implement solutions that enhance efficiency and borrower outcomes. Cross-Functional Collaboration: Work closely with internal teams such as Operations, Legal, Risk Management, and Lending Partnerships to align vendor performance with Upstart’s broader objectives and operational needs. Data-Driven Analysis: Utilize data and reporting tools to track vendor performance, identify trends, and make informed decisions that drive continual improvements in service delivery.&nbsp; &nbsp; Minimum Qualifications&nbsp; Bachelor’s degree in Business, Finance, Operations, or a related field, or equivalent practical experience. 5+ years of experience in collections, servicing, or vendor management, including experience supporting first-party operations and/or partnering with third-party BPOs in financial services, consumer lending, auto finance, or servicing environments. Demonstrated experience managing vendor performance against defined KPIs, SLAs, and quality standards, with the ability to assess operational health and drive accountability. Hands-on experience supporting or conducting vendor onsite visits, operational audits, or compliance reviews. Strong analytical skills, with comfort interpreting dashboards and operational metrics (e.g., productivity, adherence, QA, roll rates, abandonment, customer outcomes) and translating insights into actionable recommendations. Ability to operate effectively in a fast-paced, evolving environment with competing priorities. Strong written and verbal communication skills, with the ability to clearly communicate expectations, performance feedback, and risks to vendors and internal stakeholders. Ability to operate effectively in a fast-paced, evolving environment with competing priorities. Willingness and ability to travel domestically and internationally for vendor onsite visits as needed. &nbsp; Preferred Qualifications Experience traveling internationally for onsite visits supporting vendor, BPO, or internal collections operations, including participation in operational reviews, audits, or readiness assessments. Experience supporting the launch, onboarding, or expansion of collections operations, including first-party teams and/or third-party BPO partnerships, with involvement in early-stage performance stabilization and governance setup. &nbsp; Position location This role is available in the following locations: Remote. Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. In addition, this role requires periodic travel to third-party vendor and BPO partner locations to support onsite visits, operational assessments, audits, and relationship management. Travel cadence may vary based on business needs, vendor footprint, and operational priorities, and is subject to change over time. Candidates must be willing and able to travel as needed, including occasional trips of 3–4 consecutive days, which may occur up to a monthly basis during certain periods. &nbsp; #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$79,000&mdash;$109,200 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Collections Vendor Manager

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Verifications Decisioning Engineering team builds the backend platform that powers automated verification, fraud detection, and approval decisions across all lending products. The team owns verification logic, risk signal generation, document automation, bank account integrations, and rule-based decisioning systems that enable near-instant funding experiences. Our north-star goal is to achieve fully&nbsp; automated decisioning while maintaining risk correctness and compliance integrity. As a Software Engineer II&nbsp;you will build and scale backend services that power automated approval decisions, verification workflows, and fraud detection systems. You will work on distributed systems that integrate with third-party data providers, machine learning models, and internal rule engines to power accurate, compliant, and highly automated lending decisions, while collaborating cross-functionally to optimize the verifications&nbsp; journey, and contributing to the development of our next-generation decisioning and automation platform. How you’ll make an impact Design and build backend services that power verification orchestration, risk evaluation, and automated approval decisions. Develop and evolve rule engines and decisioning systems to increase automation coverage across products. Integrate external data providers (e.g., Plaid) into resilient, scalable workflows. Improve document automation pipelines including classification, extraction, and fraud detection systems. Build and maintain APIs, Kafka events, and service contracts that enable product teams to consume verification capabilities. Partner with ML engineers to productionize risk models and ensure decision correctness at scale. Contribute to platformization efforts to standardize Verifications stages and enable cross-product reuse. Strengthen compliance, data integrity, and observability across verification systems. Minimum Qualifications&nbsp; 4+ years of professional software engineering experience. Experience designing and building scalable backend systems in languages such as Java, Kotlin, Go, or Python. Experience developing and operating distributed systems, including service-to-service APIs and event-driven architectures. Experience contributing to a decision engine that integrates with machine learning models to evaluate signals.. Experience writing production-quality code with testing and monitoring. &nbsp;Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience Preferred Qualifications Experience building rule engines, decisioning systems, or risk evaluation platforms. Experience working with financial services, lending, fraud detection, or identity verification systems. Experience integrating third-party APIs and external data providers. Familiarity with workflow orchestration systems (e.g., Temporal). Experience working with Kafka or event-driven systems. Exposure to ML model integration in production systems. &nbsp; Position location This role is available in the following locations: Remote &nbsp; 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 expected 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. &nbsp; #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$142,000&mdash;$196,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Loan Processing organization is seeking a strategic and results-driven Senior Operations Manager to lead our Auto Loan Onboarding function. This leader will be responsible for overseeing the performance, operating model, and long-term strategy of the Auto Onboarding organization, including the Auto-Refinance, Auto-Secured Personal Loan (ASPL), and Auto-Indirect lending products. The Senior Operations Manager will lead a team of Operations Managers and Associate Operations Managers, and will be accountable for delivering against productivity, quality, risk, and customer experience outcomes at scale. This role requires a strong operator with deep Auto lending knowledge, exceptional people leadership skills, and a demonstrated ability to build systems that scale in a fast-paced, high-growth environment. As Upstart continues transitioning from manual processing to AI-enabled workflows, this leader will play a critical role in evolving the team from a task-based execution model to a more automated, audit- and oversight-driven operating structure. &nbsp; How you’ll make an impact Lead and evolve the end-to-end operating model for Auto Loan Onboarding, ensuring scalable, efficient, and compliant workflows across Auto-Refinance, ASPL, and Auto-Indirect products. Own department-level performance against productivity, turnaround time, touch rate, quality, and risk, translating company objectives into clear execution plans for managers and teams. Partner cross-functionally with Product, Engineering, Risk, Compliance, Workforce Management, and Finance to prioritize automation, process improvements, and structural enhancements that support sustainable growth. Monitor business trends and operational risks, identify systemic bottlenecks, and implement durable solutions that improve performance and portfolio outcomes. Lead and develop Operations Managers, strengthening leadership capability, accountability, and succession planning across the organization. Drive continuous improvement initiatives that reduce manual effort, enhance controls, and improve customer and dealer experience. &nbsp; Minimum Qualifications&nbsp; 3+ years experience&nbsp; in an Operations role within Onboarding, Servicing, or Auto Lending at a Financial Institution. 2+ years experience leading people managers. Strong analytical and operational acumen with the ability to translate data into action. Proven ability to influence cross-functional partners and drive alignment across competing priorities. Excellent written and verbal communication skills with experience presenting to senior stakeholders. &nbsp; Preferred Qualifications 4+ years of leadership experience in a high-volume operations environment. Deep knowledge of Auto lending products, Retail Installment Contracts (RICs), and title/lien processes. Experience leading teams through operational transformation or automation initiatives. Track record of reducing costs while maintaining or improving quality and risk outcomes. Experience building scalable operating models in a growth-stage or tech-enabled financial services organization. &nbsp; Position location This role is available in the following locations: Columbus, OH.&nbsp; Time zone requirements The team operates on the East coast time zone.&nbsp; In-Office requirements.&nbsp; You will be required to work from the Columbus, OH office 2 days per week. The in office days are Wednesday and Thursdays. 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. &nbsp; #LI-REMOTE #LI-NotApplicable #LI-Internship --&gt; use for internships #LI-Entry --&gt; use for new graduate roles, L1, L2 #LI-Associate --&gt; use for L3, L4 #LI-MidSenior --&gt; use for L5, L6 #LI-Director --&gt; use for L7 #LI-Executive --&gt; use for L8+ At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).Columbus, OH - Anticipated Base Salary Range$104,800&mdash;$145,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Operations Manager, Auto

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Capital Platform team builds the systems that enable capital to flow through Upstart’s marketplace reliably, transparently, and at scale. The team owns the core platform capabilities used by banks, credit unions, and institutional investors to onboard, configure lending programs, execute originations and loan sales, and monitor portfolio performance. Operating at the intersection of product, engineering, capital markets, finance, and compliance, the Capital Platform team focuses on building enterprise-grade, configurable, and reusable infrastructure that supports a growing and increasingly diverse set of capital partners across products. This team is responsible for foundational platform capabilities including partner integrations, capital execution workflows, and capital insights and reporting — with an increasing emphasis on white-label and embedded capital solutions that allow partners to leverage Upstart’s technology within their own ecosystems. As a Principal Product Manager,&nbsp;you will be a senior, hands-on individual contributor owning strategy and execution for one of Upstart’s most complex and high-impact capital platform problem spaces. This role is well suited for a Staff+ IC who thrives in ambiguity, enjoys building enterprise-grade platforms from first principles, and wants to shape how lenders and investors integrate with Upstart at scale. You will lead multi-quarter initiatives that cut across product, engineering, finance, and compliance, and deliver durable, extensible systems that serve both current and future capital partners. Depending on business needs and your background, you will own one or more of the following Capital Platform problem spaces: Capital Partner Integrations &amp; Execution Own the core workflows that onboard lenders and investors, execute originations and loan sales, and integrate with external systems and third-party providers. Focus on scalability, reliability, and operational rigor across high-volume, business-critical flows. Capital Insights &amp; Reporting Infrastructure Lead the evolution of reporting systems, data pipelines, and customer-facing analytics that provide transparency, oversight, and trust for capital partners. Balance correctness, auditability, and usability in regulated, high-reliability environments. How you’ll make an impact Own the strategy, roadmap, and execution for a major Capital Platform problem space with material business impact Lead multi-quarter, cross-team initiatives that require deep systems thinking and operate under significant ambiguity Design scalable, configurable platform capabilities that serve a diverse set of capital partners without fragmentation or bespoke delivery Partner deeply with engineering to define product architecture, tradeoffs, sequencing, and long-term evolution of capital platform systems Influence adjacent platform and vertical teams to ensure capital partner needs are consistently met across products Use data, customer insight, and domain knowledge to make high-conviction product decisions and prioritize effectively Deliver durable, enterprise-grade solutions that meet reliability, compliance, and operational requirements &nbsp; Minimum Qualifications&nbsp; 7+ years of product management experience, or equivalent demonstrated scope and impact owning complex, multi-quarter initiatives Demonstrated experience leading initiatives at a Principal / Staff-level individual contributor scope Proven track record designing and shipping platforms or shared systems, not just standalone features Experience working with complex B2B or B2B2C workflows (e.g., onboarding, configuration, payments, compliance, reporting) Ability to operate effectively in regulated, high-reliability environments Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs Ability to drive alignment and execution across multiple teams and stakeholders without formal authority Bachelor’s degree or equivalent practical experience in a technical, analytical, or business-related field &nbsp; Preferred Qualifications Experience building enterprise-grade platforms or infrastructure products, particularly in financial services, fintech, or regulated domains Experience with zero-to-one product development, including defining problem spaces, validating solutions, and scaling initial implementations Familiarity with capital markets, lending, or financial operations workflows Experience building or evolving data platforms, reporting systems, or analytics products Background working in high-growth or scaling technology companies Prior collaboration with machine learning, data science, or advanced analytics teams &nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$187,900&mdash;$260,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Auto Refi + Auto Secured Personal Loans team is responsible for scaling our auto refinance and auto secured personal&nbsp; loan products. Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product. We work iteratively to provide fast feedback loops so that we can apply new learnings quickly. As a Senior Software Engineer on the team, you will work closely with cross-functional partners to execute projects across the whole stack. You’re a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You may currently specialize on the backend or frontend, but you're looking to get your hands into both areas of the stack. You're eager to learn and grow as an individual and a leader and enjoy helping your team do the same. &nbsp; How you’ll make an impact Lead&nbsp; successful projects working collaboratively with engineering team members and cross-functional partners. Make thoughtful&nbsp; architectural decisions to improve the quality of our software Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics Collaborate with stakeholders to find solutions to our most challenging problems Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience Strong focus on full-stack development, distributed systems, and APIs Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment Experience with&nbsp; microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar) Familiarity with database technologies such as SQL and data warehousing solutions Good communication and teamwork skills, with the ability to work effectively with cross-functional teams &nbsp; Preferred Qualifications Excellent written and verbal communication. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you’ll need to tailor your communication style to fit these different audiences’ needs. Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction. Comfortable challenging authority. We want engineers who can push back on their managers when they think we’re going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one. Preference for face-time and synchronous collaboration. We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote, San Mateo, Columbus, Austin&nbsp; 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. &nbsp; &nbsp; #LI-REMOTE #LI-AssociateAt Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, Auto Refi

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s new Applied LLM team is building foundational infrastructure that democratizes access to generative AI for every product and engineering team across the company.&nbsp; This is a cross-functional team at the intersection of machine learning, product, and engineering. Our mission is to bring the power of ML - particularly large language models (LLMs) and generative AI - to life in Upstart’s core products. As a Senior Software Engineer focused on building LLM applications, you'll work closely with researchers, product managers, platform engineers, and designers to ship intelligent features that elevate the user experience and expand the capabilities of our systems. How you’ll make an impact: Design and build user-facing ML features that harness LLMs and generative AI to unlock new product capabilities Partner with product, design, and ML research to prototype and deliver high-impact, ML-powered experiences Own the technical architecture and implementation strategy for applied ML systems - balancing latency, observability, and iteration speed Build scalable services and APIs that bring model outputs to users in trustworthy and intuitive ways Collaborate across platform, infra, and legal/compliance teams to ensure ML deployments meet standards for safety, fairness, and performance Establish and evangelize best practices for prompt design, model evaluation, and experimentation across the org What we’re looking for:&nbsp; Minimum qualifications: 4+ years of software engineering experience, with 2+ years working directly on ML-driven products or intelligent systems Proven ability to lead complex initiatives across engineering, product, and research stakeholders Strong backend development skills (e.g., Python with FastAPI or Flask), plus experience with cloud-native tooling (e.g., Kubernetes, Docker, Terraform) Experience integrating LLMs or ML models into production systems, including APIs and user-facing applications Excellent communication skills and a collaborative, product-minded approach Ability to think rigorously about system design, latency tradeoffs, and user impact when working with ML features Preferred qualifications: Experience shipping GenAI or LLM-powered features using frameworks like LangChain, LlamaIndex, or OpenAI APIs Familiarity with retrieval-augmented generation (RAG), vector search (e.g., FAISS, Pinecone), and real-time inference patterns Proficiency in full-stack development, including front-end work with React or similar frameworks Strong intuition for prompt engineering, model testing, and evaluation methodologies Experience navigating complex requirements around explainability, user trust, or compliance in ML applications Track record of influencing architecture or product direction at a team or org level Position Location - This role is available in the following locations: US Remote Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3-4 days per quarter at one of our offices. If you need to travel to make these meetups, Upstart will cover all travel related expenses. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$167,700&mdash;$231,800 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, LLMs

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s ML Data Enablement team is a platform team with end-to-end ownership of the data lifecycle that powers all ML models across external vendors and internal datasets. The team’s mission is to make it dramatically easier for ML teams to discover, evaluate, trust, and productionize high-impact data — with particular emphasis on accelerating new third-party data onboarding and unlocking under-leveraged internal data. The team builds scalable infrastructure, standardized workflows, and quality guarantees that reduce integration time, increase evaluation velocity, and enforce strong ownership and SLAs across the ML data lifecycle. As the Sr. Engineering Manager - ML Data Enablement, you will lead this organization and define the strategy, operating model, and execution roadmap that increases data evaluation velocity and reduces time-to-production for high-value data sources. You will partner cross-functionally with ML, ML Platform, Procurement, Data Platform, and product engineering teams to transform data from a bottleneck into a durable competitive advantage. How you’ll make an impact Set and execute the technical strategy aligned to measurable north star metrics such as increasing data evaluation velocity and reducing time to production for high-value data sources. Establish clear end-to-end ownership across the third-party and internal data lifecycle, eliminating fragmented workflows and implicit accountability. Accelerate third-party data onboarding by operationalizing standardized vendor intake, secure retro ingestion, templated integrations, and configurable microservices that reduce engineering lift and cycle time. Drive robust data quality and reconciliation frameworks, including retro vs. production checks, ingress-level monitoring, and drift detection to prevent launch issues and downstream model degradation. Unlock internal data for ML innovation by improving metadata coverage, lineage standards, ownership contracts, and ML discoverability across high-impact internal domains Champion a company-wide shift toward data contracts and SLAs, ensuring data producers adopt clear ownership, quality standards, and monitoring practices for ML-critical datasets. Build and lead a high-performing team spanning data integration, data quality, metadata, and ML-critical data infrastructure, including standing up new dedicated integration capacity where needed. 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 engineer experience, including at least 3 years of direct people management experience Proven experience building and scaling data platforms that support machine learning workflows (offline training and online inference). Demonstrated ownership of complex, cross-functional initiatives spanning engineering, ML, and business stakeholders. Experience designing and enforcing data quality frameworks, SLAs, and observability for production systems. Strong technical foundation in modern data stacks (e.g., Databricks/Spark, Python, SQL, AWS, streaming systems, orchestration frameworks) and distributed systems architecture. Preferred qualifications: 10+ years of experience in data engineering, ML platform, or ML data platform roles, with 5+ years managing engineering teams. Experience managing data platform or infrastructure teams in high-growth consumer tech or fintech environments. Strong knowledge of Lakehouse architecture, and big data processing frameworks. Familiarity with DevOps and infrastructure-as-code practices (Kubernetes, Terraform, CI/CD). Advanced degree in Computer Science, Statistics, or a related technical field. Ability to translate complex technical concepts into business value and influence cross-functional strategies. At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,000&mdash;$270,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Data Engineering Manager

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Technical Accounting and Financial Reporting team is a critical part of the Company’s finance organization, responsible for ensuring compliance with US GAAP and SEC reporting &nbsp;requirements. The team leads the implementation of new accounting standards and SEC rules, develops and maintains accounting policies, evaluates complex and significant transactions, prepares quarterly and annual filings and other important areas of Upstart’s financial reporting. &nbsp; As the Senior Technical Accounting and Financial Reporting Associate, you contribute meaningfully to Upstart’s internal and external financial reporting processes. You support the preparation and completion of SEC filings, evaluate technical accounting matters, and help strengthen accounting and reporting processes and internal controls. This role requires strong technical expertise, attention to detail, and the ability to operate effectively in a fast-paced environment. You partner closely with various stakeholders, including accounting, legal, capital markets and investor relations, and work extensively with independent auditors. You have experience in and have good working knowledge of SEC reporting and US GAAP, including stock-based compensation, revenue recognition, internal-use software, and consolidation. You thrive in the fast-paced environment that values problem solving skills and technical expertise.&nbsp; &nbsp; How you’ll make an impact Assist in the preparation of SEC filings (i.e. 10-K, 10-Q, 8-K, and other SEC filings) including the preparation of financial statements, footnote disclosures, relevant disclosure checklists, and supporting documentation Maintain and update filings within the SEC reporting platform, including rollforwards, formatting, tie-outs and XBRL support Prepare supporting schedules and ensure completeness and accuracy of disclosures Perform industry benchmark studies, develop and prepare recommendations Support month-end and quarter-end close activities related to revenue recognition, stock-based compensation, internal-use software, and consolidation Partner with Accounting Operations to ensure proper accounting application and documentation Actively participate in the implementation of new accounting standards and SEC rules, monitor upcoming standards, assess their impact on Upstart’s financial statements, and document decisions and conclusions Liaison with external auditors on annual audits, quarterly reviews, and special projects Perform recurring technical accounting analysis and documentation thereof Assist in design, implementation, and testing of controls over financial reporting Identify process improvement opportunities and support automation and reporting enhancements&nbsp; Participate in various ad-hoc research, projects or initiatives. Minimum Qualifications&nbsp; 3+ years of relevant experience, including a mix of SEC reporting, public accounting and/or SEC reporting experience with public companies&nbsp; Working knowledge of US GAAP and SEC reporting requirements Experience preparing or reviewing financial statements Proven ability to learn quickly, work independently, and adapt to change in a fast-paced environment Excellent communicator with superb oral and written communication skills, and ability to partner with cross-functional teams Strong analytical and quantitative skills Bachelor’s or higher degree in Accounting or related field Preferred Qualifications CPA or equivalent experience; experience in financial services industry preferred Experience in designing and maintaining internal controls over financial reporting Experience in systems such as Workiva, Netsuite and Intelligize Strong continuous improvement mindset with focus on process optimization and innovation Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$84,100&mdash;$116,300 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Technical Accounting and Financial Reporting Associate

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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&nbsp; 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&nbsp; In-Office requirements.&nbsp; You will be required to work from the San Mateo, CA or Columbus, Ohio headquarters one week per quarter.&nbsp;&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$163,600&mdash;$226,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, Personalization & ML

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Role As a Principal Mobile Software Engineer at Upstart, you’ll sit at the intersection of mobile platform and product development. You’ll lead efforts to scale and refine our React Native architecture while partnering closely with product, design, and backend teams to ship impactful, high-quality features. You’ll define technical direction, improve developer experience, and mentor other engineers — all while helping Upstart grow into a truly mobile-first company. This is a highly cross-functional role with visibility across the stack and deep influence on how we build and deliver mobile software.You’ll play a key role in shaping how mobile is built and scaled at Upstart — helping define mobile as a core product pillar and driving impact across teams and surfaces. The Team The Mobile team at Upstart is building the future of our user experience. Today, we have a live iOS app built in React Native, and we’re actively planning our Android expansion. Our platform is still early-stage, which means there's a huge opportunity to influence architecture, best practices, performance, and product velocity. We move quickly, collaborate tightly with backend and design, and care deeply about quality — not just in the UI, but in the systems that power a great user experience. What You’ll Do Drive technical strategy for our mobile apps — from platform architecture to product scalability and developer experience. Build foundational systems in React Native that enable fast, high-quality feature development across both iOS and Android. Collaborate with product and design to scope, implement, and launch user-facing features that align with company goals. Bridge mobile and backend systems by shaping APIs and improving client-server interaction patterns. Identify friction in the mobile development lifecycle and lead improvements to tooling, modularization, CI, and testing strategies. Mentor engineers and help grow a culture of ownership, technical rigor, and continuous learning. Influence both product and platform direction as we scale our mobile efforts across multiple surfaces and teams. Support company goals such as improving user engagement, increasing retention, and unlocking new growth channels through mobile innovation. Help define and uphold the engineering culture, patterns, and practices that guide mobile development at Upstart. We’re Excited About You Because You… Have 8+ years of professional software development experience, including meaningful contributions to production mobile apps. Have built and maintained features in both React Native and at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android). Understand the nuances of mobile performance, memory management, and platform-specific challenges. Have led architecture planning and helped engineering teams make informed tradeoffs. Communicate early and often with cross-functional partners in product, design, backend, and QA to ensure alignment and shared understanding. Take ownership of your work from design through delivery, and value long-term thinking over quick fixes. Appreciate the strength of diverse perspectives and thrive on being part of an inclusive, collaborative team. Embrace a growth mindset, value mentorship, and enjoy helping others grow. Bonus Points If You… Have supported or led the migration of native apps to React Native, or introduced native modules into React Native codebases. Have supported or led the introduction of React Native on the Android platform. Are comfortable working with TypeScript or custom native modules. Have experience working at a company where mobile is a primary user touchpoint. Have built or scaled mobile systems like push notifications, deep linking, analytics, or A/B testing frameworks. Enjoy building platforms that empower other developers to move faster and ship with confidence. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote, San Mateo, Columbus, Austin&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,300&mdash;$270,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Mobile Software Engineer

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Lifecycle Platform team develops innovative solutions, strategies, and systems that enable personalized, timely communication with millions of current and prospective customers. We build and scale the platforms behind preference management, email, SMS, push notifications, and emerging channels—ensuring the right message reaches the right user at the right time. As a Software Engineer II on the team, you will be part of the broader Growth organization and partner closely with Lifecycle Marketing, Distribution, Insights, Data Platform, Analytics, and ML teams. We are the technical thought leaders and subject matter experts for outbound communications across the company. Our mission is to design and operate the infrastructure that transforms rich customer data into actionable, high-impact engagement. This team operates with speed and ownership. We deploy frequently, unblock ourselves, and hold a high bar for accountability. We are not a siloed engineering team—we collaborate deeply with cross-functional stakeholders and play a central role in shaping the future of Upstart’s marketing platforms. How you’ll make an impact Design and build scalable backend services that power our unified communications platform across SMS, email, push, and future channels. Develop systems for real-time, event-triggered messaging and self-serve marketing automation and experimentation capabilities. Translate large, complex datasets into high-leverage marketing capabilities through APIs, streaming pipelines, and reverse ETL workflows. Partner closely with product managers, lifecycle marketing, data insights, analytics, and data platform teams to define requirements and deliver impactful, data-driven solutions. Lead medium-sized projects independently—proactively identifying risks, managing ambiguity, and driving execution from design through launch. Strengthen our engineering culture by improving system reliability, accelerating iteration, and clearly communicating technical trade-offs to cross-functional stakeholders. Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience Experience building and operating microservices and APIs in a cloud environment (preferably AWS). Proficiency in at least one backend language such as Kotlin, Java, Ruby, or Python. Demonstrated ability to independently execute on projects, navigate ambiguity, and collaborate effectively with cross-functional partners. Excellent written and verbal communication skills with the ability to work in a distributed team Preferred Qualifications Experience supporting Marketing, Growth, or GTM teams, particularly in environments involving CDPs, customer segmentation, or campaign orchestration. Experience with reverse ETL tools (e.g., Hightouch, Census), data pipeline tooling (e.g., Airbyte, Fivetran, Databricks), or marketing automation platforms (e.g.,Iterable, Braze, or Salesforce Marketing Cloud). Familiarity with real-time event streaming systems and high-throughput messaging architectures. Experience integrating with third-party APIs and building systems that ingest, transform, and expose large volumes of data. Track record of leading medium-to-large projects and contributing to system design decisions with long-term platform impact. Position location This role is available in the following locations: Remote&nbsp; 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. &nbsp; #LI-REMOTE #LI-Associate&nbsp; #LI-MidSenior&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$142,000&mdash;$196,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Software Engineer, Lifecycle

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s capital markets legal team is at the forefront of creating innovative deal structures that drive our business forward. We negotiate deals that push the envelope on deal terms in a thoughtful, strategic manner. By partnering with the capital markets business team, we exert a tremendous impact on the overall amount of funding that Upstart is able to obtain each year.&nbsp; As the Lead Counsel, Capital Markets at Upstart, you will work with counterparties across Upstart including members of the product, operations, compliance, accounting, tax, treasury and finance teams. You will work on bilateral deals, small club deals, broadly syndicated deals and everything in between.&nbsp; How you’ll make an impact Support the capital markets and finance teams in purchase and sale agreements, securitization transactions, other liquidity arrangements and day-to-day operational and legal support Review, draft and negotiate a variety of transactional documents opposite sophisticated institutional investors, including asset managers, private equity funds, hedge funds and pension funds Manage deal flow and work with outside counsel in structuring and executing various securitization transactions, including pass-throughs and asset-backed securitizations Collaborate with a variety of internal and external stakeholders (including other members of the legal team) as new products are launched, ensuring consistency across documents and providing subject matter expertise over capital markets and investor channels Develop processes and maintain/ improve templates for transactions to support and drive rapidly growing business. Partner with product-regulatory colleagues to anticipate and address regulatory cross-winds Create internal education on a variety of legal risks Minimum Qualifications&nbsp; J.D. degree with solid academic credentials and a state bar membership 12 years of work experience, including both large law firm and in-house experience (in structured finance, debt finance or similar) Self-starter who is comfortable working in a fast-moving environment with competing priorities and possesses a “can-do” attitude Experienced in drafting and negotiating sophisticated transactional documents Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice Eager to develop expertise in new or unfamiliar products and areas of lawTeam player – no egos Preferred Qualifications Prior experience at a fintech company focused on lending /credit markets CA or NY bar membership Proven ability to develop scalable processes and procedures Position location Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$144,000&mdash;$229,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Legal Counsel Lead, Capital Markets

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; The Conversion Engineering team sits at the intersection of product performance and business growth at Upstart. We are responsible for optimizing how borrowers move through the application journey—from rate check to funding—directly impacting Conversion Rate, one of the company’s most important operating metrics and a key driver of revenue. As a Senior Software Engineer on the Conversion Engineering team, you will play a critical role in building and evolving the core borrower experiences that drive ~80% of company revenue. You’ll work on highly visible, user-facing systems such as the unified rate page and funding flows across product lines, helping to shape both the technical direction and execution of key initiatives. Our team builds and iterates on high-impact experiences while partnering closely with Product, Design, and Machine Learning to launch new product flows, ship model upgrades, and continuously test and personalize borrower journeys. We are entering a critical phase of platform consolidation—unifying pricing systems across products and building a shared funding form architecture—while continuing to move quickly on new feature development. This is a high-impact team with ambitious goals and significant headcount growth planned. How you’ll make an impact Lead end-to-end delivery of critical, user-facing features that improve loan application and rate check experiences—directly driving improvements in conversion and funding form submission metrics. Rapidly iterate on the new unified rate page by expanding product coverage, launching new features, and improving performance and usability. Contribute to the backend consolidation of pricing logic into a unified system, improving maintainability, consistency, and speed of experimentation across products. Help define and build the next-generation, platformized funding form that supports multiple products, contributing to architectural direction and long-term scalability. Strengthen engineering excellence by improving system performance, reliability, and on-call health for the features you build and own. Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience Experience delivering end-to-end features across frontend and backend systems, including APIs and microservices. Strong frontend development experience building customer-facing web applications with a focus on performance, usability, and experimentation. Demonstrated end-to-end ownership of multi-month initiatives, from technical design through launch and iteration. Experience working in cross-functional environments with Product, Design, and other engineering teams. Preferred Qualifications Experience improving conversion funnels or other high-scale, metrics-driven user journeys through experimentation (e.g., A/B testing, personalization). Background in consolidating or platformizing systems (e.g., unifying pricing logic or shared frontend architectures across multiple products). Experience operating in a microservices-based architecture and contributing to architectural direction. Track record of improving engineering processes, mentoring teammates, and raising the bar on technical excellence. Experience in fintech or other highly regulated, high-availability environments. 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, Conversion

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team As a Senior Analytics Engineer at Upstart, you will design and develop robust and scalable data models for analytical stakeholders to empower them to retrieve meaningful insights. Our analytics engineering team is centralized within the company and partners closely with data engineering, data platform, software engineers, ML engineers and cross functional analytics squads to stitch together datasets to create data models that are ready for consumption. In addition to architecting data models, we implement Analytics Engineering best practices around Data Governance, Data Quality, Data Orchestration and pipeline optimization. We enable analysts to think like software engineers by defining, documenting and ensuring adoption of best practices when making contributions to the analytical code-base. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus&nbsp; Time Zone Requirements - The team operates in all US 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. How you’ll make an impact: Understand how data is produced and consumed at a deep level - you will need to be extremely collaborative with the teams that produce and consume the data to create an end-to-end solution that maximizes the value of our data Lead efforts to design data models and build curated data sets that are the foundation of reporting and analytics at Upstart Collaborate with data engineers and data platform teams to create analytics pipelines Meet consumers of data where they are by wearing an educator’s hat and training them on how to use BI tools and dashboards Be a close strategic partner to analytics squads to participate in decision making on the analytics road map for Upstart&nbsp; What we’re looking for:&nbsp; Minimum requirements: Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience Strong understanding of data modeling concepts in both transactional and analytical databases Proven ability to lead cross-team projects to create data models for analytics/reporting purposes Excellent communication and collaboration skills, particularly when explaining technical or complex matters to less technical co-workers Expertise in SQL, Python, and ETL optimization techniques Preferred qualifications: Familiarity with business intelligence visualization tools such as Mode, Looker, Tableau, Power BI, etc. Experience creating curated data models using a data mesh architecture Experience with cloud computing platforms such as Amazon Web Services (AWS), Azure and/or Google Cloud Experience with building Looker data models (LookML), analytics engineering frameworks like dbt, orchestration tools like Airflow, schema design, and dimensional data modeling Thorough understanding of data lake/warehouse architectures (BigQuery, Databricks, Redshift) #LI-REMOTE #LI-Associate&nbsp;At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$163,600&mdash;$226,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team: Upstart’s Personal Loans Underwriting and Credit Analytics team is responsible for building, improving, and monitoring Upstart’s core underwriting model. This machine learning model powers our decisions on which loans to approve and at what rates, directly influencing borrower access to credit, investor returns, and overall company performance. Because underwriting sits at the heart of Upstart’s marketplace, the team’s work is central to the company’s long-term success. As a Staff Data Scientist at Upstart, you will own the monitoring and performance analytics of our Personal Loans underwriting models and credit portfolio. This role provides regular visibility to senior leadership and plays a key role in shaping data-driven decisions at the highest levels of the organization.In addition to leading recurring reporting and performance tracking, this role requires strong analytical curiosity and investigative rigor. You will proactively monitor portfolio and model performance, identify emerging trends, diagnose unexpected outcomes, and recommend actionable treatments. This role is well-suited for someone who enjoys going beyond standard reporting to conduct deep analytical investigations and drive meaningful business impact in a production machine learning environment. How you’ll make an impact Lead end-to-end monitoring of underwriting model performance and outcomes, ensuring models are behaving as expected across risk segments and macroeconomic conditions; translate model metrics into clear business implications Detect shifts in approval rates, loss performance, borrower behavior, or model predictions, and use analytical methods to investigate drivers of change, distinguish signal from noise, and quantify business impact Apply statistical techniques to assess A/B tests, model launches, and natural experiments, and provide clear recommendations grounded in causal reasoning and quantitative evidence Develop and maintain automated reporting, monitoring frameworks, and workflows that ensure timely, accurate visibility into model performance at scale Minimum Qualifications&nbsp; Master’s degree in a quantitative field (e.g., Statistics, Mathematics, Economics, Finance, Operations Research, Physics, or related field) 6+ years of experience in analytics, data science, or a related quantitative field Proficiency in Python (Pandas/Numpy) and SQL Strong analytical and first-principles thinking, with the ability to tackle complex and ambiguous problems Strong communication, presentation, and collaboration skills, with the ability to clearly articulate complex analytical concepts to diverse audiences Preferred Qualifications PhD in a quantitative field (e.g., Statistics, Mathematics, Economics, Finance, Operations Research, Physics, or related) Experience in consumer finance, credit risk, or lending analytics Experience working with production machine learning systems or underwriting models Position location This role is available in the following locations: Remote&nbsp; 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&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$200,000&mdash;$276,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Staff Data Scientist

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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 Senior Product Manager focused on in-product experiences, you’ll lead a core pillar of our Growth strategy – driving user engagement, retention, and repeat usage through compelling, value-driven experiences across web and mobile. You will shape how customers interact with Upstart beyond the initial transaction, building tools 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 product experiences - from the right information architecture and the right message - 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&nbsp; 5-7 years of product management experience, with a strong track record driving consumer engagement, growth, or retention, preferably with some mobile experience. 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 Proven track record of building and scaling multi-product ecosystems 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 Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$162,100&mdash;$224,500 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Product Manager, Growth Experience

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s Information Security team is passionate in bringing progressive approaches in securing our products. We believe that security should empower innovation, move at the speed of business, and have safety by design as core principles. Our team’s mission is to ensure the safety of our core product platforms, enterprise, and manage threats to Upstart. We approach our efforts through automation, strong collaboration with our partner teams, and maintaining a positive experience for Upstarters. As a Detection Engineer at Upstart, you will design security alerts and automated response playbooks for resolving those alerts. You’ll share in the team’s responsibility for monitoring and actively defending our corporate and product infrastructure. You'll be a key piece of our Incident Response process, on the front lines of keeping Upstart safe. &nbsp; Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin, NYC Time zone requirements&nbsp;The team operates on the East/West coast time zones.&nbsp; Travel requirements&nbsp;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. &nbsp; How you’ll make an impact: Design and build alerts and automated response playbooks to resolve those alerts Work closely with system owners to ingest new log feeds for security monitoring Build automated testing to verify the detection methods continue to work Develop integrations between the SOAR tool and APIs Be on the frontlines of Incident Response, actively investigating issues and protecting Upstart &nbsp; What we’re looking for:&nbsp; Minimum requirements: 1+ years in a Detection Engineering or Incident Response role Assume breach mindset, chasing down all threads to completion Strong Log-fu (ability to build robust log search queries) Intermediate proficiency in at least one programming language (preferably Python) Strong git (rebasing doesn't scare you!) Preferred qualifications: AWS Experience &amp; Infra as Code management of resources OSX Endpoint Investigation Experience Internal Application Development Experience SaaS Application security experience Experience in a high-security environment Experience with managing Threat Intelligence &nbsp; #LI-REMOTE #LI-Associate&nbsp;&nbsp;At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$111,900&mdash;$155,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Detection Engineer

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.&nbsp; The Role:&nbsp; As the Assistant General Counsel (Director), Capital Markets Legal at Upstart, you will work with counterparties across Upstart including members of the product, operations, compliance, accounting, tax, treasury and finance teams. You will work on bilateral deals, small club deals, broadly syndicated deals and everything in between.&nbsp; Upstart’s capital markets legal team is at the forefront of creating innovative deal structures that drive our business forward. We negotiate deals that push the envelope on deal terms in a thoughtful, strategic manner. By partnering with the capital markets business team, we exert a tremendous impact on the overall amount of funding that Upstart is able to obtain each year. &nbsp; How you’ll make an impact Partner closely with Upstart’s capital markets team to structure securitization transactions (including pass-throughs and asset-backed securitizations), complex purchase and sale agreement structures and other liquidity arrangements&nbsp; Review, draft and negotiate a variety of transactional documents opposite sophisticated institutional investors, including asset managers, private equity funds, hedge funds and pension funds Influence and marshall colleagues outside of the legal team and external parties to drive deals or projects to completion.&nbsp; Represent the legal team in high-level discussions with external parties, including outside counsel, auditors, regulators, and industry associations. Manage a team of five attorneys, some of whom are very senior. Anticipate and unblock obstacles for the team’s work. Create internal education on a variety of legal risks. Minimum Qualifications&nbsp; J.D. degree with solid academic credentials and a state bar membership 12 years of work experience, including both large law firm and in-house experience (in structured finance, debt finance or similar) Self-starter who is comfortable working in a fast-moving environment with competing priorities and possesses a “can-do” attitude Experienced in drafting and negotiating sophisticated transactional documents Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice Eager to develop expertise in new or unfamiliar products and areas of law Team player – no egos Prior experience managing a team of lawyers Preferred Qualifications Prior experience at a fintech company focused on lending /credit markets CA or NY bar membership Proven ability to develop scalable processes and procedures &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones. [Only use this section if there are specific time zone requirements that this role must work in; if the role is remote-US or can work in any timezone in the US, please remove this section.] 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. &nbsp; #LI-REMOTE #LI-Director --&gt; use for L7 &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$239,200&mdash;$331,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Assistant General Counsel, Capital Markets Legal

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.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&nbsp; 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 prior to transitioning into product management 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 &nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$187,900&mdash;$260,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Product Manager, Agentic Platform

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.&nbsp; The Team:&nbsp; The Capital Marketplace vertical is the fuel that powers Upstart’s AI based lending operations. Spread across multiple dynamic high performance teams;&nbsp; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors. The Partner Experience team owns the&nbsp;platform, tooling, and implementation work that makes it simple for Lending Partners to integrate with, configure, operate, and report on Upstart products (including&nbsp;white-label flows). 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 the Senior Software Engineer at Upstart, you will contribute to shape up the&nbsp;platform, collaborate with engineers and cross-functional teams such as Product, Analytics, Lending Partnerships, and Capital Marketplace on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.&nbsp;&nbsp; How you’ll make an impact Collaborate with product managers, engineers, and business stakeholders to deliver projects that align with business goals Assist in the design, development, and maintenance of self-service tools that enhance the investor experience Work with business stakeholders to identify opportunities for process optimization and build solutions that improve business workflows Develop scalable, reliable systems that meet the needs of both internal users and external investors Ensure&nbsp; security, performance, and availability&nbsp; of our critical platforms Participate in code reviews, testing, and the deployment of high-quality code Minimum Qualifications&nbsp; 5+ years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs Design, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls. Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment Experience with&nbsp; microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar) Familiarity with database technologies such as SQL and data warehousing solutions Good communication and teamwork skills, with the ability to work effectively with cross-functional teams Preferred Qualifications Experience with building robust platform Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations Prior experience or demonstrated enthusiasm for working on internal tools History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person Experience with Ruby on Rails, Kotlin, or React &nbsp; &nbsp;At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer - Partner Experience

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s Site Reliability Engineering (SRE) team owns the reliability, resiliency, and observability of Upstart’s production systems.&nbsp; The SRE team builds tooling and automation to monitor the health of our infrastructure and create a fast, reliable, and productive environment for other engineers and a world-class experience for our customers. SRE defines Upstart’s strategy for technology operations risk mitigation, which includes disaster planning and on-call procedures. We use data-driven approaches to drive our decisions, and provide reports and insights to the business to improve visibility into the system and customer experience. As a Senior Software Engineer focused on Site Reliability Tooling, your work will directly impact the success of the SRE team and all of Upstart. Your expertise will inform the team’s direction, and your work with other SREs and Upstart engineers will make Upstart’s systems as effective as possible for our customers.&nbsp; SRE at Upstart is ever-changing, and you will be a primary contributor in shaping our future path. How you’ll make an impact: Embody and share SRE principles at Upstart Exercise state-of-the-art SRE practices throughout the company Uphold a culture of visibility, ownership, and responsibility around service reliability Implement standards for monitoring microservices, web apps, mobile apps, databases, Kubernetes clusters, and machine learning platforms, in a fast-paced environment Improve incident response practices, both within SRE and throughout the company Automate away toil that make sense to be automated What we’re looking for:&nbsp; Minimum requirements: Minimum of 6 years combined experience between Software Engineering, Site Reliability, and/or DevOps Engineering including CI/CD, TDD, internal tooling, observability, and other agile development practices Proficiency coding Python, Go, JavaScript/TypeScript&nbsp; Proficiency with Infrastructure as Code (Terraform, CDK, Cloudformation, etc.) Software engineering background with experience building internal tooling from scratch, and other agile development techniques Strong software design &amp; architecture skills Fundamentally sound with data structures &amp; algorithms&nbsp; Experience with on-call and incident management environments Experience with observability, monitoring, and reporting tools (e.g., Datadog, Sumologic, , etc.) Experience supporting SaaS software in a microservice-oriented cloud environment Ability to work with multiple teams for enterprise-wide deliverables Data/metrics-driven mindset Preferred qualifications: Experience with service mesh Full Stack development skills&nbsp; Experience building tooling for an observability platform Experience leveraging LLM/GenAI to improve SRE efficiency and processes&nbsp;&nbsp; &nbsp; Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin, NY 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. At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, Site Reliability

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Personal Loans Engineering owns the applicant journey and experience as they move through the loan application and verification process. PL Engineering is&nbsp; a conversion- and revenue-critical part of Upstart’s flagship product. The team brings single-threaded ownership to an experience that is&nbsp; aligning funnel outcomes and architectural evolution around one goal: maximizing originations while maintaining trust, risk integrity, and compliance.&nbsp; How You’ll Make an Impact Set technical direction for the applicant funnel Define and drive the architecture of the end-to-end “Got Rate → Funded Loan” journey Identify and resolve systemic bottlenecks impacting conversion, latency, and reliability Lead large, cross-team initiatives Own ambiguous, high-impact efforts that span Growth, Verifications Platform, Risk/Decisioning, and Lending Partners Align multiple teams around cohesive technical strategies and execution plans Evolve platform architecture Drive decomposition of tightly coupled systems into scalable, reusable services and APIsEnable cross-product reuse across unsecured lending while maintaining system integrity Translate complex business problems into systems Balance product velocity, risk constraints, compliance requirements, and long-term maintainabilityPartner deeply with product, risk, compliance, and operations to deliver measurable business outcomes Drive experimentation and intelligent automation Elevate experimentation frameworks and data-driven iteration across the funnel Identify and lead opportunities for AI-driven experiences (e.g., adaptive flows, conversational interfaces, automation) Raise the engineering bar Establish best practices in system design, observability, testing, and operational excellence Mentor senior and staff engineers and influence engineering culture across the organization Operate as a force multiplier Provide technical leadership beyond the team, influencing architecture and strategy across Personal Loans and adjacent domains Proactively identify long-term risks and opportunities, and drive alignment with leadership Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent experience) and 10+ years of professional software engineering experience, with a strong track record of building and scaling consumer-facing systems Proven experience operating at a Staff or Principal level, leading large, ambiguous, cross-functional initiatives Deep expertise in distributed systems, service-oriented architectures, and system design at scale Demonstrated experience decomposing or modernizing tightly coupled systems into modular components/services with clear interfaces, while maintaining reliability and continuity. Experience with experiment-driven development (instrumentation, A/B testing, analysis/iteration) and translating product goals into technical execution. Excellent&nbsp; written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback Preferred Qualifications Experience with full stack web development with Ruby on Rails,&nbsp; React, and cloud-native development (AWS preferred) and Docker, GitHub Actions, utilizing CI/CD technologies including infrastructure as code Familiarity with onboarding/funnel optimization in high-scale consumer products, including conversion and time-to-complete improvements. Experience in the customer support tech domain (e.g., contact center platforms, customer engagement solutions, or conversational AI systems) Experience building in regulated or high-trust domains (e.g., fintech, lending, identity/verification, payments) where correctness and compliance are first-class constraints. We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. [OPTIONAL] In-Office requirements. &nbsp;You will be required to work from the {insert location}&nbsp; office x days per week/month.&nbsp; 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 expected 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. &nbsp; #LI-REMOTE #LI-MidSenior &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,300&mdash;$270,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Software Engineer, Personal Loans

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.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.&nbsp; 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, Mathematics, or a related field, or equivalent practical experience. 8+ years of experience, including 3+ years of direct people management. Experience managing managers and leading organizations of 20+ engineers. 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.&nbsp; 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. &nbsp; 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. &nbsp; 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&nbsp;At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,000&mdash;$270,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Engineering Manager, Core Pricing

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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 &amp; 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.&nbsp; 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 &amp; Prioritization – Partner with cross-functional teams to develop and execute medium- and long-term mobile strategies. &nbsp; 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. &nbsp; 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. &nbsp; #LI-REMOTE #LI-Director --&gt; use for L7 &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$228,300&mdash;$315,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director, Software Engineering, Mobile Platform

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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.&nbsp;&nbsp; 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.&nbsp; 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&nbsp; 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&nbsp; 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&nbsp; 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&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,300&mdash;$270,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Engineering Manager, Distribution Platform

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Third Party Risk Management (TPRM) team ensures that third-party relationships are identified, assessed, monitored, and governed in alignment with regulatory expectations, interagency guidance, and company risk appetite. The team partners cross-functionally to enable safe, scalable supplier usage while strengthening operational resilience. As a Contractor on the TPRM team, you will execute third-party supplier due diligence, risk assessments, control effectiveness, and support ongoing monitoring activities. You will operate with moderate independence, use AI-driven tooling, apply risk based judgment, and collaborate with business and other risk stakeholders to ensure supplier risks are appropriately managed. This is a 6-week assignment with the chance to extend.&nbsp; How you’ll make an impact Conduct third-party supplier risk assessments across due diligence, onboarding, and ongoing monitoring Analyze supplier controls, security posture, and business continuity capabilities to identify risk gaps Partner with internal stakeholders to communicate risk findings and recommend mitigation strategies Support issue tracking, remediation validation, and escalation of third-party risks Maintain accurate documentation and reporting to support audits, exams, and regulatory requirements Minimum Qualifications&nbsp; 3+ years of experience in risk management, third-party risk, audit, or compliance Experience performing supplier risk assessments or control evaluations Familiarity with regulatory expectations (e.g., OCC, FDIC, CFPB,Interagency Guidance on Third-Party Relationships: Risk Management ) or industry frameworks (e.g., NIST, other relevant frameworks) Experience working with risk management tools or vendor management systems (e.g., Zip, Kobalt, ProcessUnity, Archer, ServiceNow) Experience managing supplier risk and performance in collaboration with internal business stakeholders and suppliers Preferred Qualifications Knowledge of third-party risk lifecycle including due diligence, contracting, contingency planning, ongoing monitoring, termination Ability to analyze technical and operational controls across compliance areas (e.g., fair lending, consumer protection, marketing) security, privacy, and business continuity domains with strong attention to detail&nbsp; Experience working in financial services or fintech environments including responding to audit requests Proven record of using AI and/or automation to support risk management activities&nbsp; Solution driven approach when working with internal and external stakeholders while managing multiple priorities Familiarity with data analysis and reporting for risk insights &nbsp; This opportunity is a contractor role and is not eligible for Upstart’s employee compensation, equity, bonus, or benefits offerings. Position location This role is available in the following locations: Remote&nbsp; 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&nbsp; This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.&nbsp; At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).&nbsp;United States | Remote - Anticipated Hourly Rate Range$44&mdash;$60 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Sr. Risk Associate (Contract)

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Capital Markets team plays a key role in securing funding for our AI lending marketplace. The team partners with institutional investors across a range of financing solutions, including securitizations, whole loan sales, co-investment partnerships, and structured transactions. Within Capital Markets, the Structured Products team leads Upstart’s securitization and financing programs. The team partners closely with investment banks, institutional investors, and internal stakeholders to design and execute funding structures that support new and existing products. As the Capital Markets Manager - Structured Products at Upstart, you will drive execution across securitization and warehouse programs while helping bring new products to market. You will work at the intersection of structuring, investor engagement, and product innovation—translating complex data into clear narratives that support investment decisions. &nbsp; How you’ll make an impact Drive execution of Upstart’s securitization issuance and asset-backed financing strategy across multiple products Structure and model asset-backed transactions, including reviewing collateral performance and bond cashflows Build and maintain relationships with institutional investors, lenders, and banking partners Lead investor discussions, including presenting new products and opportunities with limited historical performance data Partner with legal, operations, analytics, and accounting to execute transactions and ensure alignment across stakeholders Present transaction updates, market insights, and funding strategies to senior leadership Support development of junior team members through coaching and guidance Minimum Qualifications&nbsp; 7+ years of experience in capital markets, structured finance, investment banking, or a related field Experience structuring and executing asset-backed securities (ABS) or other structured finance transactions Experience building and reviewing asset-level and bond-level cashflow models Experience presenting investment opportunities, transaction structures, or financial products to institutional investors Bachelor’s degree in finance, economics, or a quantitative field (or equivalent practical experience) Preferred Qualifications Experience working with new or emerging financial products with limited historical performance data Knowledge of unsecured consumer lending or similar asset classes Experience working in a fintech or technology-enabled financial services environment Ability to translate complex data into clear investment narratives for external audiences MBA, CFA, or other advanced degree Position location This role is available in the following locations: Remote, with preference of NYC or San Francisco&nbsp; 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. &nbsp; &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$168,000&mdash;$232,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Capital Markets Manager, Emerging Products

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Third Party Risk Management (TPRM) team ensures that third-party relationships are identified, assessed, monitored, and governed in alignment with regulatory expectations, interagency guidance, and company risk appetite. The team partners cross-functionally to enable safe, scalable supplier usage while strengthening operational resilience. The Role:&nbsp; As a Compliance Associate Manager, Third Party Risk Oversight you will execute and enhance third-party supplier due diligence, risk assessments, control effectiveness, support ongoing monitoring activities, and drive improvements in risk processes. You will operate with moderate independence, use AI-driven tooling, apply risk based judgment, and collaborate with business and other risk stakeholders to ensure supplier risks are appropriately managed. How you’ll make an impact Lead and oversee execution of third-party supplier risk assessments across due diligence, onboarding, and ongoing monitoring Provide day-to-day guidance, prioritization, and quality review for team members conducting risk assessments Synthesize supplier risks across engagements to drive risk-based decisions and influence business stakeholders on mitigation strategies Act as an escalation point for complex or high-risk supplier issues, ensuring appropriate risk treatment and documentation Own and enhance TPRM frameworks, methodologies, and tooling to improve scalability, consistency, and effectiveness Partner with Legal, Compliance, Security, and business teams to drive alignment on risk standards and ensure consistent application across the supplier lifecycle Minimum Qualifications&nbsp; 5+ years of experience in risk management, third-party risk, audit, or compliance and management positions 2+ years of experience leading projects, programs, or team members in a risk or control function Experience overseeing vendor risk assessments or control evaluations across multiple risk domains Familiarity with regulatory expectations (e.g., OCC, FDIC, CFPB, Interagency Guidance on Third-Party Relationships: Risk Management )&nbsp; Experience working with risk management tools or vendor management systems (e.g., Zip, Kobalt, ProcessUnity, Archer, ServiceNow) Preferred Qualifications Knowledge of designing and scaling third-party risk management programs and frameworks Ability to assess complex supplier risk scenarios and make risk-based decisions or recommendations Experience influencing cross-functional stakeholders and driving alignment on risk outcomes Experience supporting audits and regulatory exams with direct stakeholder engagement Familiarity with data analysis, reporting, and automation to enhance risk insights and program maturity Experience working in financial services or fintech environments with proven record of using AI and/or automation to support risk management activities &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones. &nbsp; 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Associate&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$115,800&mdash;$160,100 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Compliance Associate Manager, Third Party Risk Oversight

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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 &amp; 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 &amp; 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&nbsp; 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&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$198,100&mdash;$291,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director of Analytics

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s capital markets legal team is at the forefront of creating innovative deal structures that drive our business forward. We negotiate deals that push the envelope on deal terms in a thoughtful, strategic manner. By partnering with the capital markets business team, we exert a tremendous impact on the overall amount of funding that Upstart is able to obtain each year.&nbsp; &nbsp; As the Lead Counsel, Capital Markets at Upstart, you will work with counterparties across Upstart including members of the product, operations, compliance, accounting, tax, treasury and finance teams. You will work on bilateral deals, small club deals, broadly syndicated deals and everything in between.&nbsp; &nbsp; How you’ll make an impact Support the capital markets and finance teams in purchase and sale agreements, securitization transactions, other liquidity arrangements and day-to-day operational and legal support Review, draft and negotiate a variety of transactional documents opposite sophisticated institutional investors, including asset managers, private equity funds, hedge funds and pension funds Manage deal flow and work with outside counsel in structuring and executing various securitization transactions, including pass-throughs and asset-backed securitizations Collaborate with a variety of internal and external stakeholders (including other members of the legal team) as new products are launched, ensuring consistency across documents and providing subject matter expertise over capital markets and investor channels Develop processes and maintain/ improve templates for transactions to support and drive rapidly growing business. Partner with product-regulatory colleagues to anticipate and address regulatory cross-winds Create internal education on a variety of legal risks Minimum Qualifications&nbsp; J.D. degree with solid academic credentials and a state bar membership 12 years of work experience, including both large law firm and in-house experience (in structured finance, debt finance or similar) Self-starter who is comfortable working in a fast-moving environment with competing priorities and possesses a “can-do” attitude Experienced in drafting and negotiating sophisticated transactional documents Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal adviceEager to develop expertise in new or unfamiliar products and areas of law Team player – no egos Preferred Qualifications Prior experience at a fintech company focused on lending /credit markets CA or NY bar membership Proven ability to develop scalable processes and procedures &nbsp; Position location Remote Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$208,000&mdash;$331,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Legal Counsel, Capital Markets

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team As a&nbsp;Lead Commercial Counsel, Lending Partnerships at Upstart, you’ll be joining a close-knit, collaborative team of attorneys who work in a fast-paced innovative environment.&nbsp; You will act as a key point person for our Lending Partnerships business, while also handling a broad range of commercial, business development, and transactional legal matters across the entire organization. This position is unique because it offers exposure to new legal issues and the opportunity to work on diverse tasks such as contract drafting and negotiation and a number of projects that will arise as we continue to scale. Experience drafting and negotiating complex B2B SaaS agreements is required. Experience drafting and negotiating commercial agreements involving financial services and/or technology licenses in a heavily regulated environment is a big plus. If you have the confidence, creativity, and flexibility to tackle ambiguity and craft innovative legal arrangements with a bias towards action, this could be the right opportunity for you. &nbsp; How you’ll make an impact: Build a deep understanding of our Lending Partnerships (LP) business and collaborate effectively with internal clients to understand and support their goals; Act as a key member of our LP commercial team to provide legal and strategic advice to assess and mitigate legal risks while driving business growth; Review, draft, and negotiate a wide variety of commercial agreements, including purchase agreements, loan sale agreements, servicing agreements, master services agreements, software licenses, SOWs, and other agreements; Engage with numerous internal stakeholders to escalate and resolve issues quickly and efficiently during negotiations; and Develop processes and templates for commercial transactions to support and drive rapidly growing business. &nbsp; What we’re looking for:&nbsp; Minimum Requirements: J.D. degree with solid academic credentials and a state bar membership (NY or CA preferred); 7+ years of experience at a law firm in a transactional practice area (ideally technology transactions, capital markets, or similar) or some combination of in-house/law firm experience with a focus on transactional/commercial matters; Demonstrated ability to act as legal point during intense/complex negotiations and to work effectively with sales leadership to manage expectations and goals; Experience reviewing, drafting and negotiating complex B2B SaaS agreements, preferably in a regulated environment or while licensing into a regulated environment; Not just an issue‑spotter but an issue‑solver, with a “can‑do” mindset, a habit of moving quickly, and ownership to drive matters from start to finish; and An exceptionally high bar for your own work product and a desire to work with teammates who operate at a similarly high standard. Preferred Requirements: 10+ years of experience, ideally with prior in‑house roles on high‑impact legal teams at a fintech, financial services, or technology company; start‑up or high‑growth company experience is a plus; Experience leading and closing complex commercial negotiations (for example, high value purchase agreements or strategic partnership deals); Genuine curiosity about how Upstart’s business works and a desire to jump in cross‑functionally to help teams solve problems, even when the work sits outside traditional legal lanes; Over time, a desire to mentor and collaborate with other members of the legal team, and to help build efficient, scalable processes as we grow and evolve; Strong communication skills with a demonstrated ability to translate complex legal and risk concepts into clear, actionable guidance for non‑lawyers;&nbsp; Eagerness to dive into new products, AI and data issues, and unfamiliar areas of law with a solutions‑oriented, low‑ego mindset;&nbsp; Entrepreneurial drive that sees ambiguity as opportunity, and obstacles as chances to build new solutions; and A strong sense of ownership, enthusiasm for technology, enjoyment in being continually challenged, and the ability to demonstrate strong judgment in ambiguous situations. &nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$208,000&mdash;$287,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Lead Commercial Counsel, Lending Partnerships

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; The Fair Lending team sits within Upstart’s broader Risk and Compliance organization and plays a critical role in enabling responsible innovation while expanding access to affordable credit. The team partners closely with Legal, Product, Machine Learning, and Compliance to assess, manage, and mitigate fair lending risk across Upstart’s products, features, and services. As the team lead, this role sets the strategic direction for the Fair Lending program, ensuring strong governance, consistency, and execution across initiatives. It leads and develops team members, drives cross-functional alignment, and serves as the primary point of accountability for maintaining a rigorous, resilient, and scalable fair lending framework. How you’ll make an impact Own the fair lending risk assessment framework and provide independent challenge and guidance on control design across Upstart’s products, features, and services, identifying, evaluating, and escalating risks in close partnership with cross-functional stakeholders. Define and execute a comprehensive fair lending risk assessment program that supports regulatory compliance and Upstart’s mission to expand access to credit responsibly. Leverage data, analytics, and monitoring outputs to identify emerging risk themes and inform proactive mitigation strategies. Provide subject matter expertise, guidance, and coverage across fair lending initiatives, supporting execution and progress in a fast-moving, highly regulated environment. Lead cross-functional initiatives and working groups on a project basis, driving alignment, clarity, and risk-informed outcomes on complex and ambiguous issues. Influence decision-making by maintaining deep, current knowledge of regulatory expectations and industry best practices, and by translating risk insights into clear, actionable guidance. Communicate key fair lending risk themes, assessments, and insights to senior leadership and relevant governance forums, including the Fair Lending and board level committees. Minimum Qualifications&nbsp; 10+ years of progressive experience in fair lending and consumer protection compliance (e.g., in compliance, legal, audit, or risk management) within financial services or fintech, including direct ownership of ECOA/FHA programs, testing, and remediation. Deep, expert-level knowledge of fair lending and consumer protection laws and guidance (ECOA, FHA, FCRA, UDAAP, privacy) and how they apply across the credit lifecycle (marketing, underwriting, pricing, servicing, collections). Hands-on experience designing and operationalizing second-line risk management or compliance programs, including risk identification, control design, testing and monitoring, training and enablement, and third-party oversight. Proven track record leading enterprise-wide fair lending or consumer protection initiatives, influencing senior and cross-functional stakeholders, and engaging effectively with regulators, external auditors, or monitors on fair lending matters. Preferred Qualifications Familiarity with modern predictive modeling techniques and associated governance, privacy, and fairness considerations Comfort partnering with technical teams to operationalize compliance expectations in technology-enabled environments Exceptional communication and presentation skills, with the ability to translate complex regulatory and risk topics for both technical and non-technical audiences. Experience implementing regulatory exam management tools, evidence repositories, or data-driven compliance workflows Strong organizational judgment, attention to detail, and ability to operate effectively under regulatory scrutiny JD, CRCM, or other advanced compliance or risk management certifications Position location This role is available in the following locations: Remote&nbsp; 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 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$189,000&mdash;$334,200 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director of Fair Lending

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s Growth Marketing team drives scalable, data-driven customer acquisition across our lending products. We design, execute, and optimize media strategies that connect consumers to credit at the moments that matter most. As a Senior Lifecycle Marketing Manager at Upstart, you will be responsible for maintaining and growing our Activation (funnel conversion) program for Personal Loans and Small Dollar Loans. You will ideate, prioritize, execute, and report on journeys that drive applicants to complete their application and successfully fund their loan. Your primary levers will be email, SMS, push, and VoApps (ringless voicemail).&nbsp; How you’ll make an impact: Drive growth from new and existing customers via the ideation, launch, and optimization of omni-channel journeys&nbsp; Responsibility for E2E execution of said journeys, including business strategy definition, creative strategy, success metrics, and read-out of results Bridge the gap between a technical development teams, product, and a strategic marketing team by creating detailed requirements for projects, like audience criteria and if/then logic Size and estimate potential project impact on CAC, revenue, and other KPIs&nbsp; Help build and execute against a hypothesis-driven testing roadmap for owned journeys Identify cross-functional opportunities to improve the customer lifecycle, and provide strategic and operational leadership to those projects&nbsp; Uplevel the team’s processes and documentation of journeys Maintain and improve reporting dashboards, in partnership with Analytics&nbsp; Partner with Creative team to build visually seamless, highly engaging touchpoints With the wider business, share plans, results, learnings, and best practices&nbsp; Serve as a CRM and lifecycle marketing subject matter expert on the Growth team&nbsp; &nbsp; What we’re looking for:&nbsp; 4+ years experience in lifecycle marketing A proven track record at driving measurable results toward KPIs Ability to pull and translate complex data results into actionable, revenue-driving insights with minimal assistance Advanced skill in spreadsheet tools and familiarity with BI tools such as Looker or Mode&nbsp; A strong understanding of statistical testing principles within CRM Demonstrated success in managing complex cross-functional projects with business, technical, and creative stakeholders A self-starter who sees challenges as opportunities and is a creative problem-solver Hands-on experience in Iterable is a must&nbsp; Excellent written and verbal communication skills Highly driven and results-oriented work ethic Experience with SMS and/or mobile push strongly preferred Bonus if you’ve worked with a CDP (we use HighTouch)&nbsp; &nbsp; Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones.&nbsp; #LI-REMOTE This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.&nbsp; At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).&nbsp;United States | Remote - Anticipated Hourly Rate Range$66&mdash;$106 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Lifecycle Marketing Manager (Contract)

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Monetization team is building the systems that optimize the offers we present to borrowers—balancing customer appeal, lender requirements, and capital availability. We use machine learning, real-time decision engines, and flexible configuration to power accurate, personalized pricing at scale, while ensuring a great borrower experience. As the Software Engineer II at Upstart, you will &nbsp;collaborate with engineers and cross-functional partners across Product, Analytics, Machine Learning, and Capital Markets to build scalable systems that respond to changing lender needs, funding dynamics, and borrower behavior. This role offers opportunities to deepen your backend expertise while working on impactful infrastructure that supports Upstart’s lending growth and helps deliver better offers to more people. How you’ll make an impact Design, build, and maintain real-time services that power origination fee computation and offer filtering Develop scalable, reliable systems that support experimentation and rapid response to market changes Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions and efficient capital deployment Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment Ensure the security, performance, and availability of critical pricing platforms Participate in code reviews, testing, and the deployment of high-quality code Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience, with a strong focus on distributed systems and APIs Experience with some or many of the following: Kotlin, Python, PostgreSQL, Ruby on Rails Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar) Familiarity with database technologies such as SQL and data warehousing solutions Preferred Qualifications Experience in fintech, particularly in areas such as dynamic pricing, revenue optimization, or capital markets Familiarity with machine learning models and their integration into production systems Prior experience or demonstrated enthusiasm for working on internal tools History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$142,000&mdash;$196,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Software Engineer, Monetization

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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..&nbsp; 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.&nbsp; 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&nbsp; 8+ years work experience in increasingly senior analytical roles in technology and finance industry Strong background&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$157,000&mdash;$217,500 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Staff Data Analyst, Servicing

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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. &nbsp; 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. &nbsp; 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. &nbsp; Minimum Qualifications&nbsp; 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. &nbsp; 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. &nbsp; Position location This role is available in the following locations: Remote &nbsp; 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 --&gt; use for L5, L6 &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,300&mdash;$270,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Engineering Manager, ASPL

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s Information Security team is dedicated to advancing security practices that enhance the safety of our products, customers, and partners. We believe security should empower innovation, move at the speed of the business, and be built in from the ground up. Our mission is to protect Upstart’s products and enterprise while enabling teams to move quickly and safely through strong collaboration, automation, and thoughtful security design. As a Senior Security Engineer at Upstart, you will be responsible for identifying risk, building controls to mitigate risk, and develop solutions to help Upstarters avoid incurring unnecessary risk. You'll use your skills to lead cross functional initiatives, assess business plans and applications, and build software that solves security problems proactively. &nbsp; Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin&nbsp; Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - This team has regular on-site collaboration sessions. 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. &nbsp; How you’ll make an impact: Architect and build software solutions (Workflows, Services, and internal tools) that accelerate security Elevate security maturity across the organization by mentoring engineers, influencing leadership through clear risk metrics, and fostering a culture where security enables innovation Continuously improve systems by learning from real-world signals such as false positives, operational feedback, and evolving threats Serve as a senior technical authority during high-severity incidents, driving root cause analysis and durable architectural improvements &nbsp; What we’re looking for:&nbsp; Minimum requirements: Proven track record of owning security initiatives end-to-end, including post-launch validation, monitoring, and iterative improvement Experience performing security reviews (e.g., design reviews, threat modeling, architecture assessments) and driving actionable outcomes Demonstrated ability to identify, investigate, and remediate complex security issues across one or more domains Experience developing code and building services to enhance unique security needs&nbsp; Demonstrated ability to leverage AI-assisted tools (e.g., code generation, analysis, or investigation tools) to improve productivity while maintaining security and quality standards Preferred qualifications: Experience working with diverse data domains (e.g., analytics, reporting, business operations, or people data) Experience assessing security risks in AI/ML systems (e.g., prompt injection, model misuse, data poisoning, access control around models) Experience building applications hosted in a K8s environment Experience with security orchestration tools for automating processes that are adopted beyond a single team Experience partnering with Legal, Risk, Compliance, and Audit teams to operationalize security controls in regulated environments #LI-REMOTE #LI-MidSenior&nbsp;At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$164,800&mdash;$228,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Security Engineer

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s HRBP team is a critical partner to the business, helping leaders build high-performing teams in a fast-paced environment. We operate with a strong bias for action, partnering with leaders to address day-to-day organizational priorities while driving consistency across core People programs. Our team is focused on building trusted relationships, elevating manager effectiveness, and delivering practical solutions that enable teams to do their best work. As the Senior HR Business Partner at Upstart, you will partner closely with leaders to support day-to-day business and organizational priorities. From frontline manager coaching and performance management to employee relations and team effectiveness, you will provide hands-on support that helps leaders navigate people-related decisions with confidence. You will partner closely with the Lead HRBP and business leaders to drive strong team performance and a consistent employee experience as these organizations continue to scale. As a member of our People org, you will contribute to company-wide People programs and initiatives, including performance management, employee engagement, and other core processes that support a high-performing and inclusive workplace. How you’ll make an impact Coach and advisor: Advise and consult with managers and leaders as they continue to scale. From org design, to talent development, act as a trusted thought partner and coach. Performance management: Partner with managers to identify high performers and help them grow with Upstart; and to work through low performance management to maintain our high performance bar. Employee relations: Oversee and resolve employee relations issues of varying complexity by conducting thorough and objective investigations, interpreting and applying Upstart policy and making recommendations. Manager support: Build relationships with managers to ensure their confidence and trust in the HR team; offer practical guidance and tools to improve manager effectiveness.&nbsp; Project and program support: Support core HR programs, processes and initiatives such as performance cycles&nbsp; and employee engagement surveys.&nbsp; Solve problems: Be an adaptable problem solver, liaising between the HRBP&nbsp; team and the business to achieve the best outcomes for the organization. Provide thoughtful and appropriate counsel, striking a balance between long and short term business needs. . Minimum Qualifications&nbsp; BA/BS degree or equivalent professional experience 5+ years of Human Resources experience (HRBP, HR generalist, employee relations) Preferred Qualifications Strong communication and stakeholder management skills, with the ability to build trust across a range of leaders and employees Ability to navigate ambiguity, complex interpersonal dynamics, and change with sound judgment Demonstrated judgment in identifying when to escalate issues and how to partner effectively to resolve them High emotional intelligence and ability to handle sensitive and confidential situations with professionalism Experience supporting performance management processes and employee relations matters Familiarity with people analytics and HRIS systems, with the ability to use data to inform decisions Track record of building effective relationships across teams and levels to drive business outcomes Strong bias for action, with a high level of ownership, integrity, and accountability &nbsp; Position location This role is available in the following locations: Remote&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$138,000&mdash;$219,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Human Resources Business Partner

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s Event Bus, Experimentation, and gRPC&nbsp; team is responsible for building frameworks and tooling to support Event Driven Architectures, safe and measurable roll out of new features, and efficient service to service communication.&nbsp; We do this by owning the build process and libraries for the four primarily supported languages at Upstart (Ruby, Kotlin, Python, and TypeScript).&nbsp; These platform products&nbsp; allow Upstart engineers to use them in a simple and secure way. &nbsp; Ease of use, performance, data quality, observability, and security are our guiding principles. As a&nbsp;Senior Software Engineer&nbsp;on Upstart’s Event Bus, Experimentation, and gRPC&nbsp; team, you are empowered&nbsp; to design and implement high impact, cross cutting solutions&nbsp; that touch nearly every service within Upstart.&nbsp; We are a small and high impacting team contributing to Upstart’s North Star Architecture and need a product-oriented engineer who is excited to contribute across Event Bus, Experimentation, and gRPC internal tooling. Position Location -&nbsp;This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements -&nbsp;This team operates on the East/West Coast time zones. Travel Requirements -&nbsp;As a digital first company, the majority of your work can be accomplished remotely. This team also has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, OH, Austin, TX or San Mateo, CA). If you need to travel to make these meetups, Upstart will cover all travel related expenses. How you’ll make an impact: Lead the design and development of new features and improvements to existing features. Collaborate with cross-functional teams to understand requirements and bring those insights into building an impactful roadmap for the team Establish best practices for achieving an Event Driven Architecture, safe feature rollout, and service to service, API design. Mentor junior engineers and promote a culture of technical excellence Contribute to quality improvements within our team and the engineering organization in a meaningful way What we’re looking for:&nbsp; Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience Strong communication skills and ability to collaborate effectively with cross-functional teams. Strong proficiency in one or more of Kotlin, Java, Python, Ruby, or Typescript programming languages Proficiency in automated testing patterns Experience in building highly observable systems Preferred Qualifications Experience with Kotlin, Python, Ruby, or Typescript Experience with Kafka Experience with gRPC Experience with A/B testing and/or Feature Flagging Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic.&nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$163,600&mdash;$226,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, API Enablement

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; The Home Lending Operations team at Upstart is building a borrower experience that is clear, accessible, and human—from the very first interaction through to loan funding. While most of the loan lifecycle is handled by pod-based specialists, the Customer Experience (CX) team plays a pivotal role in guiding potential borrowers and early-stage applicants through the process. This team is instrumental in reducing reliance on traditional call centers by providing proactive, personalized support via phone, email, and chat. As a Customer Experience Specialist, you’ll be the first point of contact for individuals exploring or applying for a home lending product. You’ll answer questions, resolve concerns, and ensure early-stage interactions reflect Upstart’s mission of delivering an effortless credit experience. You’ll also handle escalations from across the operation, requiring empathy, professionalism, and sound judgment. How you’ll make an impact Answer inbound calls from prospective borrowers and applicants whose files have not yet been assigned to a processing pod, guiding them through next steps and answering product questions. Respond to inbound email inquiries and manage real-time chat support (in future-state implementation), providing accurate, helpful, and timely information. Take ownership of escalation calls from applicants requesting a supervisor, resolving concerns professionally while adhering to compliance and policy guidelines. Support funnel conversion by proactively identifying and addressing common applicant questions or pain points. Maintain accurate notes of all borrower interactions in tools such as Salesforce and Vesta to ensure visibility and alignment across teams. Identify opportunities to improve CX processes, documentation, or messaging based on recurring feedback or support trends. Collaborate with Pods, Training, and Quality teams to ensure consistency across all borrower touch points. Minimum Qualifications&nbsp; 1–2 years of experience in customer service, call center, or borrower support within a financial services or fintech environment. Outstanding communication and interpersonal skills, including the ability to explain complex information clearly and professionally. Proven ability to handle sensitive or escalated customer conversations with empathy and professionalism. Comfortable navigating multiple systems and tools simultaneously (e.g., Salesforce, Vesta, telephony and chat platforms). Ability to work standard hours (9 AM – 5:30 PM EST) and occasional weekends as business needs evolve. Reside within 60 miles of Columbus, OH, and able to work from the office at least two days per week. Preferred Qualifications Experience in mortgage, home equity, or consumer lending operations. Familiarity with front-line customer support tools and knowledge management platforms. Experience in early-stage applicant engagement or lead nurturing. Comfort working in high-growth, change-oriented environments where feedback loops are fast and frequent Position location This role is available in the following locations: Columbus, Ohio In-Office requirements.&nbsp; You will be required to work from the Eastion, Ohio&nbsp; office 2 days per week 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-Entry&nbsp; This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law.Columbus, OH - Anticipated Hourly Rate Range$25.48&mdash;$25.48 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Customer Experience Specialist, Home Lending

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.&nbsp; The Team:&nbsp; 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.&nbsp; 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.&nbsp; 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&nbsp; 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 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$187,900&mdash;$260,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Technical Program Manager

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; As Assistant General Counsel, you will lead a team rebuild of commercial attorneys. You will negotiate and draft contracts covering a large range of subject matter, as your team will be responsible for all of Upstart’s third party contracts other than those with its financiers/investors.&nbsp; In addition, your team will support the lending partnerships sales team at Upstart. &nbsp; How you’ll make an impact Your team will support Upstart’s sales team on all of their lending partnership work while also negotiating/drafting/structuring commercial contracts for every third party engaged by anyone at Upstart. &nbsp; Minimum Qualifications&nbsp; 10+ years of experience practicing commercial transactions, including representing an in-house sales team.&nbsp; Experience managing a team of lawyers and legal professionals.&nbsp; Balances work as an individual contributor and as a people manager.&nbsp;&nbsp; Prior law firm and in-house experience.&nbsp; Excellent contract drafting and negotiation skills Expertise in contract law Experience placing a lien on an asset and perfecting the lien &nbsp; Preferred Qualifications Banking and/or fintech commercial legal experience strongly preferred. 3+ years of experience working at a&nbsp; highly-regarded national law firm. 3+ years of in-house experience Familiarity with data privacy issues Familiarity with true lender and true sale issues Admission to the CA or NY Bar &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-Director --&gt; use for L7 &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$239,200&mdash;$331,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Assistant General Counsel, Commercial

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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&nbsp; 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&nbsp; 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&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Engineering Template

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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&nbsp; 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&nbsp; 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&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$142,000&mdash;$196,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Software Engineer, Borrower Experience

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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&nbsp; 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.At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Data Platform Engineer

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Our Compliance team plays a critical role in mitigating risk and protecting Upstart’s growth and success, and as a Home Lending Compliance Associate Manager at Upstart, you will have a tremendous impact on this critical team.&nbsp; Someone that is successful in this role will be a ‘Go Getter’ by partnering in change, re-defining policies and improving practices.&nbsp; You’ll develop relationships of trust within the organization so that your role is a value add for the business unit. Your relevant skills and expertise will be an integral part of the discussion when addressing ways to further enhance the Compliance Management Systems and programs at Upstart. If you have previous compliance management experience and share our passion for consumer protection this could be the role for you. How you’ll make an impact Advise Product, Ops, Engineering, Servicing, and Marketing on compliant mortgage (primarily HELOC) processes and requirements in a bank or bank-regulated environment. Review product designs, workflows, and disclosures to identify compliance risks, gaps, and control needs. Design, implement, and enhance controls and compliance processes for new and existing products. Own regulatory change management: monitor changes, assess impact, and drive implementation with accountable owners. Translate requirements into clear policies/procedures and tech-ready guidance for scalable implementation. Review marketing/advertising and channel content (web, email, SMS, contact center) for claims and disclosure compliance. Oversee HELOC servicing compliance, including statements, customer communications, complaints, error resolution, and third-party/vendor oversight. Run independent compliance monitoring; build KRIs and report trends and risks to leadership. Manage the issue lifecycle: document findings, assign owners, drive corrective actions, and validate closure. Deep-dive into systems and historical implementations to validate ongoing compliance and support remediation. Minimum Qualifications&nbsp; 5+ years in mortgage or home equity regulatory compliance (bank or bank-regulated environment preferred) with working knowledge of consumer protection laws (e.g., TILA/Reg Z, RESPA/Reg X, ECOA/Reg B, FCRA/Reg V, GLBA/Reg P, FDPA/Flood, Fair Housing Act, HMDA/Reg C, SAFE Act, UDAAP, EFTA/Reg E, SCRA) and applicable state laws. Proven ability to partner closely with Product, Engineering, Operations, and Servicing teams. Experience assessing risk, designing controls, and executing monitoring/oversight (including KRIs). Proactive, high-ownership mindset; comfortable diving into systems and past implementations. Strong judgment, escalation skills, and ability to influence stakeholders in fast-paced, ambiguous environments. Strong written and verbal communication skills. Bachelor’s degree or equivalent practical experience. &nbsp; Preferred Qualifications HELOC/home equity product experience. Experience across both bank and non-bank or fintech lending environments. Familiarity with digital origination and omni-channel communications (web, SMS, email, call center). Familiarity with tools like Slack, Google Workspace, and Jira. CRCM, JD, or other compliance certifications a plus. 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. &nbsp; What you'll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart&nbsp; 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&nbsp;&nbsp; Supportive parental, family care, and military leave programs Annual wellness, technology &amp; 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 &amp; drinks when working in offices &nbsp; #LI-REMOTE #LI-Associate&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$115,000&mdash;$160,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Compliance Assistant Manager, HELOC

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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&nbsp; 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 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, Upstart Bank

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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 Director of Engineering for Upstart Bank, you will build and lead the engineering organization responsible for the core platforms that enable the bank to operate at scale. Starting from a small, high-caliber seed team, you will define the technical strategy, organizational design, and execution model for systems spanning ledgering and funding, deposits and payments, marketplace integrations, and reporting. You will partner closely with Product, Compliance, Legal, Risk, Finance, and Operations 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 Build the Upstart Bank engineering organization from an initial seed team into a scaled, high-performing domain with multiple teams and managers Define and drive the technical strategy and architecture for core bank platforms, including ledgering and funding, deposits and payments, marketplace integrations, and reporting Set the organization design, hiring strategy, and leadership bench needed to scale the Upstart Bank engineering org Partner with Product and cross-functional leaders to translate business, regulatory, and operational priorities into engineering architecture, sequencing, and delivery Own delivery across critical bank platform domains, ensuring teams execute predictably and deliver reliable, scalable, high-quality infrastructure Establish engineering standards and operating mechanisms that support reliability, resilience, security, traceability, and auditability Lead cross-functional execution across complex dependencies with Compliance, Legal, Risk, Finance, and Operations Build systems and processes that support internal controls, audits, and high-confidence operation in a regulated environment Develop engineering leaders and foster a culture of high standards, ownership, and continuous improvement Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 10 years of experience, including at least 5 years of direct people management experience Experience building and scaling engineering organizations, including hiring and developing teams through periods of rapid growth or organizational formation Strong technical background with a track record of setting architecture and technical direction for complex distributed systems and cloud platforms Experience leading engineering in regulated or high-control environments where reliability, controls, auditability, and change management are critical Experience partnering with senior cross-functional and executive stakeholders on business-critical platforms Preferred Qualifications Experience building core financial infrastructure such as ledgering, payments, deposits, funding systems, reporting, or financial integrations Experience in banking, fintech, payments, 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, or major infrastructure transformations Demonstrated ability to attract and develop strong technical talent in competitive hiring markets Interest in improving access to credit through technology and scalable financial infrastructure 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. &nbsp; #LI-REMOTE #LI-Director At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$228,300&mdash;$315,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director of Engineering, Upstart Bank

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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. &nbsp; 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. &nbsp; 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. &nbsp; Minimum Qualifications&nbsp; 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 &amp; strong applied experience with 1+ statistical programming language (Python or R)&nbsp; 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). &nbsp; 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. &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$157,000&mdash;$217,500 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Finance Template

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; The HELOC Underwriting team is responsible for evaluating loan applications and making sound, policy-aligned credit decisions. This team ensures consistent application of underwriting guidelines across approvals and declines, validates borrower income and assets, and identifies potential fraud risks. The team partners with Processing, Closing, and Quality to ensure accurate and efficient loan decisioning and funding. As a Senior Home Lending Underwriter, you’ll partner closely with our Licensed Loan Advisors to ensure loan decisions are accurate and timely. It is your responsibility to ensure that we are originating quality, sellable loans that adhere to our underwriting policy and procedures. You will also need a keen eye for process improvements, and a track record of exceptional recommendations to enable Upstart to originate high quality loans. How you’ll make an impact Approval &amp; decline accuracy: Ensure all approval and decline decisions are well-supported, clearly documented, and consistent with credit policy and regulatory expectations. Income &amp; asset validation: Accurately calculate and validate borrower income (W-2, self-employed, variable income, rental, etc.) and assess assets to determine repayment ability. Fraud risk identification: Review applications for potential fraud indicators (income misrepresentation, occupancy concerns, document inconsistencies, identity risk) and take appropriate action in alignment with fraud protocols. Documentation &amp; compliance: Maintain complete, audit-ready loan files with clear rationale, supporting documentation, and decision notes. Operational consistency: Apply underwriting guidelines consistently and contribute to maintaining quality and reducing defects across the underwriting process. Minimum Qualifications&nbsp; 5+ years of residential mortgage underwriting experience with independent decisioning authority Demonstrated experience making both approval and decline decisions Strong experience calculating income across multiple borrower profiles (W-2, self-employed, variable income, rental income, etc.) Experience reviewing loan files for fraud risk and escalating concerns appropriately Experience working within an LOS and reviewing full loan documentation packages Strong documentation skills supporting credit decisions for QA/audit review &nbsp; Preferred Qualifications Experience with HELOC-specific underwriting guidelines and second lien products Familiarity with fraud detection tools, red flag identification, and investigation workflows Experience in high-volume underwriting environments with SLA expectations Proficiency with Excel/Sheets for income calculation and loan analysis Familiarity with compliance and regulatory requirements related to mortgage underwriting Position location This role is available in the following locations: Columbus, OH Time zone requirements The team operates on the East coast time zones.&nbsp; In-Office requirements.&nbsp; You will be required to work from the Easton, OH&nbsp; office 2 days per week 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. &nbsp; #LI-Associate&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).Columbus, OH - Anticipated Base Salary Range$79,000&mdash;$109,200 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Home Lending Underwriter

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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&nbsp; 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&nbsp; 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&nbsp; 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 At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior DevOps Engineer

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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.&nbsp; Upstart is hiring a Director, Enterprise Risk Management to lead and grow the Risk team’s ERM function for Upstart Bank. This role will establish, maintain, and continually enhance the bank’s ERM program and framework, including: management and maintenance of the risk appetite statement and other ERM program governing documents; ownership of risk assessment processes and methodologies; collection and monitoring of risk metrics; coordination of all risk governance activities, including aggregated management and board risk reporting. Additionally, this role will oversee the operational risk team responsible for conducting ongoing risk and control assessments across the bank’s operations. This includes establishing an operational risk program framework and risk assessment schedule, recommending actions to mitigate operational risk, and producing risk reporting and insights on the bank’s aggregated operational risk profile, trends, and high risk areas.&nbsp; This role will manage the ERM Program and Operational Risk teams, and will be responsible for building out existing risk infrastructure and processes to meet the rigorous expectations of a nationally chartered bank, including hiring additional roles to expand existing team capacity.&nbsp; As a senior member of the Risk organization, this role works collaboratively with internal leaders across all three lines of defense, and will serve as a primary point of contact for management as well as external stakeholders such as bank examiners on matters related to the bank’s ERM and Operational Risk programs, including during the charter application process.&nbsp; &nbsp; How you’ll make an impact Define and maintain the Bank's enterprise risk management framework, including risk appetite statement, risk assessment methodology, and aggregated risk reportingLead the ERM Program team in executing enterprise risk assessments; maintaining risk and control inventories and gap tracking; and measuring risk quantitatively via key risk indicators for all risk categoriesEnsure consistent quantitative and qualitative risk identification, assessment, and measurement methodologies&nbsp;Direct the team's work on risk committee and board reporting, policy management, and ERM program maintenance and executionDirect the Operational Risk Program activities, ensuring consistent assessment methodology is applied across all product lines and providing actionable analysis and insights on high risk areas requiring actionServe as a senior point of escalation and relationship manager for external stakeholders including OCC examiners, internal and external auditors, capital markets partners, and lending partnersDevelop, manage, and hire for the ERM Program and Operational Risk Program teams Minimum Qualifications&nbsp; Bachelor's degree or equivalent practical experience 10+ years of experience in enterprise risk management in a banking or financial services environment Demonstrated experience building or leading an enterprise risk management program, including risk framework development, risk assessment methodology, quantitative risk measurement, and risk governance Direct experience working with OCC, Federal Reserve, or other federal banking regulator examination processes Preferred Qualifications Advanced degree (MBA, JD, or equivalent) or professional risk certification Experience at a de novo bank, bank holding company, or OCC-regulated institution at an early stage of build-out Experience leading cross-functional risk teams spanning multiple risk domains Familiarity with OCC Comptroller's Handbook standards for ERM, operational risk, and risk governance Strong quantitative skills with experience in risk data aggregation, KRI design, and GRC tool management Experience presenting to board-level risk committees or senior executive leadership on risk programs and results &nbsp; Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones.&nbsp; 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. &nbsp; #LI-REMOTE #LI-Director&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$18,900&mdash;$334,200 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director of Enterprise Risk Management

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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.&nbsp; Upstart is hiring a Director, Treasury Risk to establish and lead the independent second-line treasury risk oversight program. This role will partner closely with the first-line Bank Treasury function and will establish risk frameworks and limits in alignment with OCC and FDIC requirements and expectations, including with respect to asset-liability management, capital management, and investment portfolio management. In addition to partnering with the first-line Bank treasury team to define and implement treasury risk management activities and appropriate oversight and reporting, this role will provide critical second-line oversight and input on treasury risk exposures, risk limit breaches, and trends to management, oversight committees such as an Asset-Liability Committee (ALCO), and the committee of the board responsible for risk oversight.&nbsp; This role will also be the primary point of contact for critical external stakeholders such as bank examiners on an ongoing basis, including during the charter application process. How you’ll make an impact Establish the Bank's treasury risk oversight program, including frameworks, policies, risk metrics, limits, and monitoring processes for liquidity, interest rate, price, and capital management risk Provide independent second-line review, challenge, and oversight of the first-line Bank Treasury team’s activities — including cash flow management, ALM, balance sheet positioning, stress testing, and investment portfolio management Deliver credible challenge to the Bank Treasury team’s assumptions, methodologies, stress scenario designs, and risk limits, consistent with the risk appetite and risk profile of the organizationPrepare and deliver ALCO and board and board risk oversight committee reporting on treasury risk exposures, trends, and stress testing outcomes; serve as escalation point for treasury risk issues to the CRO Hire and develop support for the treasury risk oversight team, defining team objectives, roles and responsibilities, and professional development goals Serve as primary second-line point of contact for OCC examiners, external auditors, and other senior external stakeholders on treasury risk topics &nbsp; Minimum Qualifications&nbsp; Bachelor's degree or equivalent practical experience in finance, economics, mathematics, or a related quantitative field 10+ years of experience in treasury risk management, asset-liability management, or a related financial risk function in a banking environment Demonstrated experience with independent oversight or challenge of interest rate risk, liquidity risk, or ALM, including stress testing and regulatory reporting Deep knowledge of OCC and interagency requirements and guidance on interest rate risk, liquidity risk, price risk, and capital management Direct experience working with OCC, Federal Reserve, FDIC, or other banking regulators on treasury risk or ALM matters &nbsp; Preferred Qualifications Advanced degree (MBA, MS Finance, or equivalent) or professional certification (CFA, FRM, or similar) Experience at a de novo bank, OCC-chartered institution, or institution building treasury risk oversight from an early stage Experience with quantitative modeling techniques for EAR/EVE analysis, liquidity stress testing, and stress scenario design Experience leading or building a treasury risk team, including hiring and developing staff Familiarity with ALCO governance, committee reporting, and bank policy development for treasury risk &nbsp; Position location Remote&nbsp; 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. &nbsp; #LI-REMOTE #LI-Director&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$189,000&mdash;$334,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director of Treasury Risk

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; 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&nbsp; 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&nbsp; 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&nbsp; 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 &nbsp; 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. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, Capital Insights

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team&nbsp; 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.&nbsp; 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 insightLead architecture and design of large-scale, mission-critical systems for model inference, orchestration, and complianceIdentify 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 venuesEstablish 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.&nbsp; 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&nbsp; 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.&nbsp; 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. &nbsp; #LI-REMOTE #LI-Director &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$238,400&mdash;$330,200 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

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