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 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; and Austin, Texas. 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 Capital Markets &nbsp;team plays a pivotal role in securing loan funding capital for our AI lending marketplace. We collaborate with leading institutional investors across whole loan sales, securitizations and structured transactions. The Institutional Capital team drives direct whole loan partnerships and leads execution from strategy to deal close across Upstart’s lending products. As the&nbsp;Senior Manager, Capital Markets - Institutional Capital &nbsp;at Upstart, you will play a leading role in scaling Upstart’s investor base and deal execution strategy. You will manage complex investor relationships, drive forward flow and co-investment programs, and mentor junior talent. This role offers high visibility, strategic influence, and the opportunity to shape funding structures for Upstart’s long-term funding success. &nbsp; This role is available in the following locations: Remote – with strong preference to be NYC or San Mateo based for in-office collaboration. 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. [OPTIONAL] In-Office requirements. &nbsp;NYC-based teams come into our NYC office 2-3x/week.&nbsp; San Mateo-based teams come into the San Mateo HQ 1 week.&nbsp; Not mandatory but strong preference will be given to candidates who are able to come into the office regularly. How you’ll make an impact: Lead deal structuring and execution for whole loan sales and funding partnerships Drive investor strategy and relationship management for key institutional accounts Partner cross-functionally with Legal, Analytics, Investor Services, Treasury, Accounting, and Finance to ensure seamless transaction execution and drive positive impact to Upstart’s P&amp;L Review and negotiate legal docs on&nbsp; forward flow agreements and co-investment programs Present deal structures and investor updates to internal stakeholders and senior leadership Serve as mentor to junior talent and help scale team capability Represent Upstart at investor meetings and capital markets conferences What we’re looking for:&nbsp; Minimum requirements: 10+&nbsp; years experience in Capital Markets, Structured Finance, or related fields Proven rack record of executing structured whole loan or ABS transactions and deep knowledge of unsecured personal, auto and/or HELOC lending product&nbsp; Significant&nbsp; experience cultivating deep relationships with institutional investors (or other external counterparties) and negotiating business terms and/or legal agreements Strong market instincts and analytical skills with high proficiency modeling cashflows and deal structures in Excel Demonstrated ability to build, develop and lead high-performing teams in a fast-paced, high-stakes environment&nbsp; Exceptional communicator with the ability to distill complex concepts into clear, actionable insights and drive alignment across cross-functional or external stakeholders Preferred qualifications: Prior experience in (1) capital markets at a fintech, (2) investment management experience at an investment firm or (3) securitization issuance or warehouse lending experience at an investment bank&nbsp; MBA, CFA, or BA/BS degree in business, finance, economics, or other analytical areas of study &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-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$184,000&mdash;$255,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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. Manager Capital Markets - Institutional Capital

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; and Austin, Texas. 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 Verifications Decisioning team builds core capabilities that i) efficiently deliver online data sources for consumption by Machine Learning (ML) models to improve loan performance and ii) automate decisioning of applications using ML-driven rules to reduce friction and prevent fraud.&nbsp; Upstart has one of the lowest fraud rates in the industry and highest level of automation.&nbsp; This means that the majority of applicants can receive their funds in under 24 hours after they apply.&nbsp; Looking ahead, Verifications need to further push the boundaries of automation doubling down on initiatives that accelerate accuracy of ML models while extending those benefits beyond its flagship Personal Loans business to emerging products such as HELOC, Auto, and Small Dollar loans. As a Software Engineer&nbsp; at Upstart, you will build services to integrate with new data sources, implement and maintain highly scalable gRPC APIs for internal teams to access data, and partner closely with stakeholders to ensure data quality standards are met and ensured through thorough testing frameworks.&nbsp; These efforts will contribute in accelerating improvements to ML models using richer and more reliable data sources. How you’ll make an impact Work closely with cross-functional teams to understand business goals and translate them into technical requirements. Develop robust, high-performance services that enable real-time data retrieval and decisioning. Optimize and refactor code for scalability and efficiency, ensuring low-latency responses. Maintain and evolve our API infrastructure to support the growing volume of products and integrations. Ensure the quality and reliability of ML models by writing unit and integration tests, participating in code reviews, and monitoring production systems. Minimum Qualifications&nbsp; 3+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset. High level of proficiency coding in production with Kotlin and/or Ruby on Rails. Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others. Excellent communication skills, able to explain complex technical topics to non-technical stakeholders. Extreme ownership of your work with a problem solving mindset, comfortability persevering through ambiguity without delegating the hard part to others Preferred Qualifications You thrive in environments where you are expected to think like an owner and make decisions like one. Excellent written and verbal communication skills.&nbsp; You are able to tailor your communication style to fit the needs of the audience. Contributes to the open-source community, educates others on software development best practices, or spends time outside of work staying up with the latest trends in modern software development. Knowledge of, or hands-on experience utilizing advanced CI/CD technologies with a focus on infrastructure/everything as code. You are the go-to person for an important domain on your current or previous team, and love to teach others about it. Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin. 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 #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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

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; and Austin, Texas. 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; At Upstart, the Identity Platform Team plays a pivotal role in shaping the security and accessibility of our cutting-edge lending products, including Personal Loans, Auto Loans, and Home Loans. We are responsible for creating, securing, and managing borrower and partner identities, ensuring a seamless and secure experience at every touchpoint.As part of our team, you’ll work on the Authentication and Authorization Platform, driving both backend security and frontend user experiences. Our mission is to enable frictionless, secure authentication while safeguarding sensitive data from unauthorized access.If you’re passionate about building scalable security solutions and delivering intuitive user experiences, come be a part of a team that makes financial access more accessible, safer, smarter, and seamless for everyone! As a Senior Software Engineer on Upstart’s Identity Platform Team, you’ll play a critical role in building and securing our authentication and authorization systems. You will be responsible for ensuring that borrowers and partners experience a seamless, secure, and scalable identity framework across our lending products, including Personal Loans, Auto Loans, and Home Loans.You’ll work closely with vertical Engineering, Product, and Security teams to develop solutions that enhance security, improve authentication flows, and drive innovation in Identity and Access Management (IAM). This role is ideal for someone who enjoys solving complex technical challenges, values clean and scalable architecture, and is eager to make a significant impact on a high-visibility platform. &nbsp; How you’ll make an impact Design, develop, and optimize secure and scalable authentication and authorization systems. Collaborate with cross-functional teams to improve Identity and Access Management (IAM) capabilities, including OAuth, OpenID Connect, MFA, and SSO. Partner with Security teams to enhance security policies and standards, ensuring protection against threats and unauthorized access. Improve platform scalability by designing and implementing microservice based architectures. Drive best engineering practices for clean, maintainable, and efficient code. Participate in architectural discussions, helping to shape the long-term vision of Identity Platform. Mentor and collaborate with other engineers to elevate the team’s technical skills and knowledge. Work on high impact initiatives that solve for making credit accessible to everyone. Minimum Qualifications&nbsp; 7+ years of experience developing large-scale distributed systems in the cloud (AWS, GCP, or Azure). Strong proficiency in backend technologies (e.g., Kotlin, Java, Ruby, C#). Hands-on experience with authentication and authorization protocols (OAuth 2.0, OpenID Connect, SAML). Experience building scalable APIs using containerization technologies like Docker and Kubernetes. Understanding of security principles, including encryption, token-based authentication, and identity federation. Strong problem-solving and debugging skills, with an emphasis on performance optimization. Ability to balance the needs of the business with engineering best practices and security considerations. Passion for clean code, architecture, and continuous improvement of engineering processes. Experience with AI Coding tools such as Cursor, Claude Code etc. Excellent communication skills – able to translate complex technical concepts for a variety of stakeholders. Preferred Qualifications Experience working with IAM platforms and security services. Knowledge of A/B testing, gRPC, and DevOps practices. Experience with Keycloak, NextJS, and Ruby is a plus. Proven ability to influence technical direction without direct authority. Strong product and analytical mindset, capable of making trade-offs between risk, ROI, and performance. Experience working at companies experiencing rapid growth and scaling challenges. Strong sense of ownership and accountability for the quality and timely delivery of work Ability to influence and lead without direct authority &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 on-sites. 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 on-sites, 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$215,100&mdash;$237,700 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 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; and Austin, Texas. 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 Machine Learning team has a direct impact on our company's success. The team consists of Research Scientists, Data Scientists, ML Engineers and other highly specialized roles. As a whole, the Machine Learning team builds, enables and evaluates our core production models. Because our challenges are so new, members of our Machine Learning team need strong creative problem-solving skills and the technical background to implement solutions. Our research environment affords team members the opportunity to utilize a variety of statistical and machine learning methods with the freedom and encouragement to pursue alternative approaches to solving problems. Whether developing new products or identifying novel approaches to core models, we are continuously seeking the next big ideas to move our business forward. The role sits on the Fairness and Explainability team. The team is focused on research and development ensuring our models are both fair and explainable. This function is essential for Upstart to ensure that our models are compliant, robust, and are able to engender trust with a variety of external stakeholders, including lending partners, investors, and consumers. The Role:&nbsp; As a ML Research Scientist, you will be an integral part of the&nbsp; team ensuring fair lending compliance. You'll enjoy a fast-paced environment with a focus on researching and implementing industry leading methodologies for explaining complex machine learning models, evaluating their fairness in the lending space, and mitigating any potential fairness disparities via less discriminatory alternative searches. You will strive to understand, at a deep level, the dynamics of our models in order to properly inform business decisions.&nbsp; What we’re looking for: Strong academic credentials with a master's degree in statistics, mathematics, economics, physics, operations research,&nbsp; computer science, or other quantitative areas of study; Ph.D. preferred Programming skills in Python&nbsp; Full-stack expertise with all steps of the modeling process from ideation to productionalizing code; OR deep expertise in either statistical modeling or machine learning Experience and interest in&nbsp; ML explainability or fairness; OR&nbsp; demonstration of high potential to learn quickly and contribute to these areas. Proficiency in a broad array of mathematical, statistical learning and machine learning concepts and applications Detailed understanding of building good technical solutions; ability to convert ideas into testable hypotheses and/or next steps Ability to meet team standards with respect to quality and velocity with minimal help or direction from peers For more complex tasks, ability to break down problems into smaller tasks, and use them to estimate the timeline of executing a larger initiative. Willingness to make the right tradeoffs when needed to deliver projects on time. Proactively communicate to stakeholders and teammates with ability to contextualize technical results&nbsp; Strong sense of intellectual curiosity balanced with humility, drive and teamwork Numerically-savvy and smart with ability to operate at a speedy pace Enthusiasm for and alignment with Upstart’s mission and values 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 #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$126,400&mdash;$175,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 - ML Fairness & Explainability

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; and Austin, Texas. 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 Home Lending Operations team focuses on delivering superior and speedy service through efficient and effective operational processes. We aim to provide high-quality support to our customers while maintaining a seamless experience across all touchpoints. This team plays a pivotal role in driving improvements and ensuring customer feedback is analyzed and acted upon. As the Operations Manager, Home Lending at Upstart, you will be responsible for all the licensed processor performance and KPI’s.&nbsp; This will include but not limited to, call levels, daily production, quality and schedule adherence.&nbsp; This role will also be responsible for a reduced capacity of processing completed loan files.&nbsp; You will be conducting second-level reviews, and ensuring file quality. You will work closely with the Home Lending Vertical Team and will be an integral part of the development of this team &nbsp; How you’ll make an impact Manage and oversee the daily operations of the Loan Processing Team ensuring efficient and effective workflows and processes. Help develop and implement strategies to optimize team performance and achieve department goals and targets. Monitor team performance metrics and KPIs, identify areas for improvement, and implement corrective actions as needed. Process completed files and conduct second-level reviews, ensuring file quality. Update the pipeline and manage escalations through phone and email channels. Minimum Qualifications&nbsp; 3+ years of people management experience demonstrating strong leadership and interpersonal skills, with the ability to motivate and inspire others to achieve their full potential. 5+ years experience working in the Home Lending industry at a Financial Institution or Mortgage company. Strong analytical and problem solving skills with the ability to identify issues and develop thoughtful data driven solutions. Preferred Qualifications 5+ years of people leadership experience in an operations environment. NMLS Licensed is a plus. Servicing or Interim-servicing experience. Previous background in Mortgage Underwriting. Position location This role is available in the following locations: Columbus, Ohio Time zone requirements The team operates on the East/West coast time zones.&nbsp; In-Office requirements.&nbsp; You will be required to work from the Columbus, Ohio 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; 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-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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Operations Manager, Home Lending

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; and Austin, Texas. 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 Frontend Platform team champions frontend excellence at Upstart by empowering teams to engineer quality user experiences. We&nbsp; build tools and services that are used internally by the engineering, design and product teams. We are looking for an experienced&nbsp;Senior Frontend Platform Engineer to help shape the future of our engineering platform and empower product teams to deliver exceptional user experiences with speed, quality, and consistency. In this role, you will own and evolve the core frontend platform, frameworks, and developer tooling that power our web and mobile applications. You’ll collaborate closely with product engineers, infrastructure teams, and design systems partners to drive technical strategy, set standards, and solve cross-cutting challenges at scale. How you’ll make an impact Platform Development: Design, build, and maintain the core frontend platform and tooling used across product engineering teams. Developer Experience: Lead efforts to improve build pipelines, CI/CD workflows, testing frameworks, and local dev environments. Framework &amp; Architecture: Guide adoption of technologies (e.g., React, TypeScript, React Native) and define architectural patterns that ensure scalability, reliability, and performance. Cross-Functional Collaboration: Work with design systems, backend, and infra teams to align frontend initiatives with company-wide engineering strategy. Minimum Qualifications&nbsp; 6-8 years of professional frontend engineering experience, with deep expertise in React and TypeScript; experience with mobile (React Native) is a plus. Strong knowledge of web performance, testing strategies and modern frontend architectures. Solid understanding of observability and monitoring for frontend systems (eg: Sentry, Datadog) Hands-on experience with modern build systems (eg: Turbo, Webpack, Vite), skilled in CI/CD tooling (eg: GitHub Actions, CircleCI) and automation of release pipelines. Preferred Qualifications You have experience &nbsp;building frameworks, libraries, or tooling that scaled across multiple teams or applications. Ability to partner effectively with engineers, designers, and PMs; excellent communication skills. Knowledge of microfrontend architecture and familiarity with different content rendering strategies. &nbsp; Position location This role is available in the following locations: Remote-United States&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-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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Frontend Platform 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; and Austin, Texas. 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 Pricing Platform team builds and owns the core systems that power our pricing and revenue models across the company. This highly collaborative team sits at the intersection of engineering, product, capital, and machine learning—enabling data-driven pricing strategies that impact profitability and customer experience. We build robust backend services in Python that abstract pricing logic for use across multiple product teams. Our work has direct implications on how we optimize fees, launch experiments, and ensure our pricing strategy scales with the business. &nbsp; How You’ll Make an Impact Lead the technical direction of our pricing platform, developing scalable backend services in Python that power dynamic pricing and revenue models. Translate high-level business objectives—like margin optimization and monetization—into concrete engineering initiatives. Drive experimentation infrastructure and collaborate with ML and capital teams to build models and tools for pricing optimization. Architect systems that expose pricing logic as reusable services across multiple product areas, enabling other teams to build quickly and consistently. Serve as a thought partner to product and business leads, bringing strong business acumen and a quantitative mindset to decision-making. Actively code and mentor engineers across the team, setting a high technical bar while remaining hands-on. Ensure our pricing systems evolve to meet the needs of a fast-scaling fintech environment without drifting into infrastructure or DevOps scope. Minimum Qualifications 10+ years of professional software engineering experience, including time as a Staff or Principal Engineer. Proven track record of building distributed backend systems in Python or similar languages. Experience leading technical direction for platform teams that serve multiple product surfaces. Demonstrated ability to connect engineering efforts with business outcomes, especially in revenue optimization or monetization. Strong communication and collaboration skills; comfortable interfacing with ML, product, and finance stakeholders. Hands-on experience with launching experiments and interpreting their impact on revenue or growth metrics. Preferred Qualifications Prior experience in fintech, ecommerce, or other domains with complex pricing and monetization logic. Background in applied math, financial modeling, or economics. Experience working closely with ML and Capital teams to influence model design and business strategy. Familiarity with pricing engines, experimentation platforms, or fee optimization frameworks. Passion for building platforms that empower other teams to move faster and make better decisions. &nbsp; Position Location - 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; 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-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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Core 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; and Austin, Texas. 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 EPA (Environment Provisioning Agency) &amp; Quality team is focused on building and maintaining critical supporting tooling for our AI lending products. We create developer-friendly solutions that enable our product teams to rapidly deploy and iterate. We partner closely with engineers across the company, ensuring our solutions are reliable at scale while staying simple and intuitive to use. As a Sr. DevOps Engineer at Upstart, you will help architect, build, automate and scale the tools used by product engineers to perform their pre-production development and testing. You will be instrumental in defining and implementing our Kubernetes-based “Ephemeral Infrastructure” and help us realize our data-driven mission of affordable credit. How you’ll make an impact Define and build the next generation of Upstart’s Ephemeral infrastructure Partner with XCUT teams to ensure all tools integrate seamlessly into Ephemeral Environments Drive major improvements in tooling and infrastructure alongside your teammates Enable product engineers to rapidly spin up fully functional environments for development, preproduction testing, pen-testing, lending partner demos, and other special use cases Evangelize Ephemeral tooling by delivering best-in-class documentation and processes Minimum Qualifications&nbsp; 5+ years of experience in a DevOps/SRE role 5+ years of deep, hands-on experience designing, deploying, and operating Kubernetes in production Proficiency and experience with Golang Strong experience with AWS services (EC2, S3, EKS) in production environments Expertise in Linux systems: architecture, administration, troubleshooting, and operations Preferred Qualifications Certified Kubernetes Administrator/Architect (CKA/CKAD) or equivalent certification Proven ability to inspire collaboration and stay engaged on a fully remote team Experience designing and building Kubernetes operators Strong CI/CD skills, including building pipelines with automated test coverage Broad DevOps expertise across scripting, IaC, automation, configuration management, and container orchestration Hands-on experience with tools like Kubernetes, ArgoCD, Artifactory, Harness, or similar platforms &nbsp; Position location This role is available in the following locations: Remote-United States 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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Ephemeral Infrastructure

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; and Austin, Texas. 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; &nbsp; As the Capital Markets Associate at Upstart, you will &nbsp;focus on driving growth of our core and emerging products by securing funding and liquidity from capital market participants. You are eager to learn and energized by working directly with our counterparties and&nbsp; across internal functional areas to deliver on Upstart’s capital strategy. &nbsp; How you’ll make an impact Support deal execution process, leverage modeling skills, review deal documents, and participate in term negotiations, to facilitate capital markets activities (e.g., asset-backed securities, structured pass-thru securities, credit facilities, forward flow deals, etc.) Own performance monitoring and reporting on our pass thru, securitizations, and financing facilities (e.g., pledging, capital markets takeouts, ongoing reporting) Collaborate with internal stakeholders (e.g., legal, operations, data analytics, accounting) to support Upstart’s funding and liquidity needs Develop and maintain relationships with external counterparties (e.g., banks, investors, rating agencies) Perform industry research / data analysis and prepare external-facing marketing materials &nbsp; Position Location - &nbsp;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 - 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. Additionally, you may participate in industry conferences for 2-4 consecutive days 1-3x per year. &nbsp; How you’ll make an impact: Support deal execution process, leverage modeling skills, review deal documents, and participate in term negotiations, to facilitate capital markets activities (e.g., asset-backed securities, structured pass-thru securities, credit facilities, forward flow deals, etc.) Own performance monitoring and reporting on our pass thru, securitizations, and financing facilities (e.g., pledging, capital markets takeouts, ongoing reporting) Collaborate with internal stakeholders (e.g., legal, operations, data analytics, accounting) to support Upstart’s funding and liquidity needs Develop and maintain relationships with external counterparties (e.g., banks, investors, rating agencies) Perform industry research / data analysis and prepare external-facing marketing materials &nbsp; What we’re looking for:&nbsp; Minimum requirements: 2+ years of relevant experience in capital markets, structured financing, or relevant industry experience Excellent communication skills, with the ability to translate complex analyses into clear insights Strong analytical aptitude with keen attention to detail Ability to juggle multiple projects with a “roll your sleeves up” attitude Embraces speed as a habit with an appetite to learn and problem solve Preferred qualifications: Experience with securitization/structured products reporting, reconciliation, legal documentation, or marketing Cashflow modeling/general proficiency in Excel or other data analysis tools Knowledge of unsecured personal, auto and/or HELOC lending product BA/BS degree in business, finance, economics, or other analytical areas of study &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; &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$100,000&mdash;$130,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Associate

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; and Austin, Texas. 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 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 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; Position Location - &nbsp;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 - 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. Additionally, you may participate in industry conferences for 2-4 consecutive days 1-3x per year. 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 What we’re looking for:&nbsp; Minimum requirements: 7+ years of relevant experience in Capital Markets, Structured Finance/Products, investment banking, or related roles&nbsp; 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 &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 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$158,000&mdash;$220,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Structured Products

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; and Austin, Texas. 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 Loan Servicing Compliance &nbsp;team plays a critical role in mitigating risk and protecting Upstart’s growth and success. As a Loan Servicing Compliance Manager at Upstart, you will have a tremendous impact on this critical team. Someone that is successful in this role will be a ‘Go Getter’ by partnering in change, re-defining policies and improving practices. 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. &nbsp; Position Location - This role is available in the following locations: Remote Time Zone Requirements - This 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. This&nbsp; team meets once or twice per quarter for 2-4 consecutive days at a time. &nbsp; How you’ll make an impact: Coordinate with operations and product teams to design new controls and enhance existing controls. Work with business stakeholders to craft compliance guidance, procedures and job aids that comply with regulations and implemented policies. Partner with operations teams to drive efficiency, identify opportunities to improve processes, and build remediation plans where appropriate to resolve issues. Review third party vendor engagements for compliance with policies and procedures. Develop and deliver role based training to servicing teams. Monitor servicing activities for regulatory risks, develop Compliance KRIs, and report potential risks to senior management. Support organizational change management by acting as an internal project manager for the compliance team on strategic initiatives. &nbsp; What we’re looking for:&nbsp; Minimum qualifications: Bachelor’s degree or equivalent practical experience 5+ years of experience in secured and unsecured loan servicing compliance, risk management or regulatory law Preferred qualifications: A deep understanding of federal and state consumer lending rules regulations (e.g., FDCPA, FCRA, EFTA, UDAAP, SCRA, TILA, Reg X, TCPA, NACHA, PCI DSS) Superior communication, organization, project management, and interpersonal skills with demonstrated decision-making capability while dealing with competing interests&nbsp; Self-starter mentality with the ability to work well under pressure and a strong sense of personal accountability and ownership&nbsp; Strong commitment to ethics and exercises good judgment Adaptable and flexible to changing priorities and situations Flexibility and willingness to learn and take on new evolving responsibilities JD, CRCM, or other Compliance Certifications a plus &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-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$137,500&mdash;$190,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Manager, Loan Servicing

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; and Austin, Texas. 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 legal team is a key component of the company, helping Upstart innovate in the fintech space across multiple products and supporting its mission of expanding access to credit based on true risk.&nbsp; We are a team of savvy, hardworking and genuinely nice individuals collaborating closely with the business in achieving its objectives. As a Legal Counsel at Upstart, you will lead support our capital markets team in day-to-day matters as they arise (including on asset-backed securitizations, warehouse financings, and investment funds).&nbsp; This role requires someone who is adaptable and can think outside of the box, with a broad knowledge of regulations, capital markets practices, and interest in negotiating increasingly complex debt deals and related agreements. &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 - &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 &nbsp; How you’ll make an impact Work closely with our capital markets and finance teams&nbsp; Support other team members in addressing issues as they arise&nbsp; Provide legal and strategic guidance to assess and mitigate legal risk by building a deep understanding of the business and collaborating with legal colleagues and&nbsp; internal clients, including taking ownership of increasingly complex agreements within larger finance structures&nbsp; What we’re looking for:&nbsp; Minimum Qualifications&nbsp; J.D. degree with solid academic credentials and a state bar membership&nbsp; 5+ years of experience at a top-tier law firm, financial institution, or regulator with experience in structured finance deals Self-starter who thrives under limited direction and is excited by challenges Eager to develop expertise in new or unfamiliar areas of law Adaptability; willingness to be flexible and excited to work in a dynamic and fast-paced environment &nbsp; Preferred Qualifications Strong law firm training&nbsp; Well organized Broad knowledge of financial regulations and market practices NY or CA bar membership preferred 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$143,000&mdash;$198,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Counsel, Capital Markets

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; and Austin, Texas. 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 Data Platform Engineering team (Part of Upstart's core platform vertical) provides developer tools, frameworks, and scalable data infrastructure as shared services across Upstart. The team's primary objective is to provide Data Analysts, Software Engineers, and ML scientists access to high-quality data and developer tools to create business metrics for respective product verticals.&nbsp; You will join the subdivision focusing on Data Curation.&nbsp; As the Data Platform Engineer joining this team, you will get the opportunity to contribute to following areas: Build and maintain user-friendly, scalable tools that enable data teams and other stakeholders to perform data transformations without needing deep technical expertise. Expand the self-serve ETL and orchestration framework that developers use to build pipelines Manage, organize, and maintain the data catalog to ensure efficient data discovery, governance, access control, and metadata management across the organization. We would love to hear from you if you are passionate about building data products! How you’ll make an impact: Build and Improve the tools owned by the Data Curation team Participate in planning and prioritization by collaborating with stakeholders across the various product verticals and functions (ML, Analytics, Finance, Software engineering) to ensure our tools/frameworks help deliver overall business objectives. Collaborate with stakeholders such as Software Engineering, Machine Learning, Machine Learning Platform and Analytics teams to onboard them to the Lakehouse and adopt the developer tools&nbsp; Participate in code reviews and architecture discussions to exchange actionable feedback with peers.&nbsp; Help break down complex projects and requirements into stories for sprints. Continuously monitor and improve data platform performance, reliability, and security. Stay up-to-date with emerging technologies and industry best practices in data engineering. Develop and maintain technical documentation for the data platform, including design, architecture, and operational procedures. Promote best practices for data engineering within the organization. What we’re looking for:&nbsp; Minimum requirements: A bachelor's degree in Computer Science, Data Science, Engineering, or a related field. 3+ years of experience in data platform development, data engineering or related fields Proficiency in data engineering tech stack; Databricks / PostgreSQL / Python / Spark / Kafka / SQL / AWS / Airflow/ DBT / containers and orchestration (Docker, Kubernetes) and others. Ability to approach problems with first principles thinking, embrace ambiguity, and enjoy collaborative work on complex solutions.&nbsp; Preferred qualifications: Strong foundation in algorithms and data structures and their real-world use cases. Strong analytical and troubleshooting skills, with the ability to analyze complex technical challenges and deliver effective solutions. Experience and understanding of distributed systems, data architecture design, and big data technologies (e.g., Spark, Kafka, Lakehouse, Databricks). Experience with AWS technologies ( e.g.,&nbsp; AWS Lambda, Redshift, RDS, S3, etc.). Good knowledge of DevOps engineering using Continuous Integration/Delivery tools like Kubernetes, Jenkins, Terraform, etc., thinking about automation, alerting, monitoring, security, and other declarative infrastructure. Ability to explain complex concepts in easy-to-understand ways and navigate environments where problems are not well-defined (and evolve quickly). Position Location - This role is available in the following locations: Remote, San Mateo, Columbus&nbsp; Travel Requirements - This team has periodic on-site collaboration sessions twice or thrice a year. Upstart will cover all travel-related expenses if you need to travel to make these meetups. 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$142,000&mdash;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Platform 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; and Austin, Texas. 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 Pricing team is responsible for building a best-in-class underwriting platform to quickly and accurately create loan offers for all of Upstart’s loan products like Personal Loans, Auto loans and Home loans. The services owned by the team are responsible for validating applicant data, interfacing with Machine Learning models to calculate borrower risk, and calculating interest rates, fees, etc. We are developing new capabilities for Upstart’s loan products and building a next generation software platform to accelerate innovation on behalf of our customers. As a Director of Engineering, you will define and drive the long-term vision for our pricing systems. In this highly visible role, you’ll partner with leaders across Product, Machine Learning, Compliance, and Operations to ensure pricing is not just an engine for growth, but also a strategic differentiator for Upstart. You’ll lead multiple engineering teams, set a high bar for excellence, and shape the culture that empowers our engineers to innovate at scale. How You’ll Make an Impact Set Vision and Strategy: Define and communicate the long-term strategy for the pricing platform, ensuring alignment with company objectives, evolving regulatory standards, and customer needs. Build and Scale Teams: Grow and mentor a high-performing, diverse engineering team and an effective management layer. Foster a culture of accountability, technical rigor,&nbsp; customer-centric thinking, and continuous improvement. Drive Technical Excellence: Guide architectural decisions and oversee the delivery of scalable, fault-tolerant infrastructure that accelerates pricing innovation and simplifies compliance. Cross-Functional Leadership: Collaborate with Product, ML, Infrastructure, Compliance, Legal, and Analytics leaders to drive cohesive execution. Act as a thought partner and technical advisor to senior stakeholders across the company. Operational Execution: Establish processes and metrics that ensure high-quality, timely delivery. Drive clarity across multiple workstreams and proactively identify and manage technical and organizational risks. Ensure pricing systems are reliable, performant, and compliant, while enabling faster iteration of ML-driven products. Influence Organizational Outcomes: Shape engineering-wide practices and contribute to Upstart's broader technology strategy as a senior member of the Engineering leadership team. Minimum Qualifications 12+ years of software engineering experience, with 7+ years in engineering leadership roles. Proven success leading and scaling high-performing engineering teams, including managing other managers. Deep experience building large-scale, cloud-based distributed systems, ideally in fintech, pricing, or ML-based product environments. Strong understanding of modern software engineering practices, microservice architectures, and CI/CD. Hands-on experience with cloud technologies (AWS, GCP, or Azure), containerization (e.g., Docker, Kubernetes), and scalable API design. Exceptional communication skills with the ability to influence technical and non-technical audiences, including executive leadership. Strong analytical, organizational, and strategic thinking skills with a bias for action. Preferred Qualifications Background in statistics, economics, or applied ML. Track record of shipping dynamic Pricing platforms or Fintech infrastructure at scale. Experience leading platform or infrastructure teams in high-growth or regulated environments. Strong product mindset with the ability to evaluate trade-offs and drive prioritization decisions based on customer and business impact. Experience designing and evolving microservice-based architectures. Demonstrated ability to lead through influence in a matrixed or cross-functional environment. Comfortable operating in ambiguity while scaling organizations, systems, and processes. 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$217,400&mdash;$300,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Core 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; and Austin, Texas. 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 Machine Learning and Simulations Platform (MLSP) team builds and operates the core infrastructure that powers ML model training, inference, and marketplace simulation at Upstart. Our platform is foundational to the company’s success—every underwriting, fraud, conversion, and verification model runs here. We also provide the simulation capabilities that help teams experiment safely and assess business impact without requiring costly live experimentation.We are on a mission to reimagine our infrastructure to support the growing complexity of our ML models, the demand for low-latency inference, and the accuracy needed to simulate the dynamics of our borrower-lender marketplace at scale. The team partners closely with Engineering, ML, Product, and Compliance to accelerate innovation while safeguarding performance and integrity. &nbsp; How you’ll make an impact: Drive the technical vision and roadmap for Upstart’s next-generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning. Lead efforts to modernize our model training and serving infrastructure, reducing training time from days to hours and inference latency to just a few seconds for our most complex models. Spearhead the design and implementation of a distributed platform capable of supporting neural networks, GPU-based training, and scalable hosting of complex models. Overhaul our simulation systems to more accurately reflect production environments, reducing simulation cost and enabling broader usage across teams. Work cross-functionally with ML, Engineering, Product, and Finance leaders to align on long-term strategy and incrementally deliver measurable business value. Build and mentor a team of senior engineers and technical leads (including existing leaders), enabling them to grow and scale their areas of ownership. Identify opportunities to expand the charter and unlock new investment areas, such as automated model refreshing and simulation-driven product development&nbsp; &nbsp; What we’re looking for:&nbsp; Minimum requirements: 15+ years of experience in software engineering, including 5+ years leading teams or organizations focused on ML infrastructure, simulations, or large-scale distributed systems. Proven track record of launching science-heavy products and ML infrastructure at scale, including experience with model training, serving, and performance optimization. Strong systems and infrastructure fundamentals, with the ability to design and evaluate architectures for high-throughput and low-latency ML workloads. Ability to collaborate effectively across disciplines and communicate complex technical concepts to non-technical stakeholders. Experience managing senior engineers and driving alignment across multiple cross-functional teams. Preferred qualifications: Experience partnering directly with Research and Compliance teams to bring regulated or science-heavy products to market. Familiarity with simulation platforms, experimentation frameworks, or financial modeling tools used to assess impact offline. Deep knowledge of modern ML tooling, including GPU-based training, neural network frameworks, and containerized infrastructure. Demonstrated ability to scale engineering organizations and expand platform charters through influence and strategic thinking. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates across 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. &nbsp; What you'll love 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 #LI-REMOTE #LI-DirectorAt 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$217,400&mdash;$300,900 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Machine Learning and Simulations 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; and Austin, Texas. 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 Our team is responsible for building a best-in-class underwriting platform to quickly and accurately create loan offers for all of Upstart’s loan products like Personal Loans, Auto loans and Home loans. The services owned by the team are responsible for validating applicant data, interfacing with Machine Learning models to calculate borrower risk, matching applicants to lenders, and calculating interest rates, fees, etc. We are developing new capabilities for Upstart’s loan products and building a next generation software platform to accelerate innovation on behalf of our customers. As a Distinguished Software Engineer, you are at the helm of driving technical excellence and innovation within the Underwriting Platform team. You are responsible for setting the technical vision and direction that works backwards from our product strategy. You will lead the team to deliver a high-scale platform that enables ML and Engineering teams across the company to use AI to continuously maximize the efficiency of our borrower-lender marketplace. You will have the opportunity to design and build large scale systems from the ground up, partner closely with ML scientists, and work in a highly-collaborative and fast-paced environment. We are looking for a seasoned leader with a passion for ML, finance, 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 Upstart’s Underwriting Platform in alignment with business objectives.&nbsp; Lead the design and development of a platform that enables multiple ML and Engineering teams at Upstart to optimize different parts of our AI borrower-lender marketplace.&nbsp; Work closely with ML scientists to improve and develop new models that improve core business metrics.&nbsp; Guide the architectural evolution of our engineering systems with an emphasis on high scale, availability, and quality.&nbsp;&nbsp; Uncover and drive alignment across complex technical requirements, designs, trade-offs, and 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 What we’re looking for:&nbsp; Minimum Qualifications&nbsp; 15+ years of experience developing large scale distributed systems in the cloud 10+ years of experience leading large cross-team initiatives Experience launching large scale ML-based products in domains like Fintech, Pricing, or Ads. 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 High proficiency in Python and one or more object oriented programming languages like Kotlin, Java, C#, C++ 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 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 Experience with A/B testing, GRPC, and Kafka Background in statistics, mathematics, or econometrics is a big plus.&nbsp; Experience designing and building microservice-based architectures Experience developing large scale distributed systems in AWS 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 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$213,200&mdash;$295,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Distinguished Engineer, Underwriting 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; and Austin, Texas. 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 FP&amp;A team at Upstart plays an integral part in the company’s business and financial planning process. We are looking for a highly motivated and hard-working individual to join our team with a key role in managing balance sheet, cash and liquidity.&nbsp; As a Finance Manager at Upstart, you will drive and support all aspects of FP&amp;A which includes in-depth financial and business planning, collaborating with business leaders across the company, and driving analyses for business and strategic cases. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks. If you are naturally curious, love data, versed in financial modeling and analysis, and an excellent communicator who enjoys collaborating with people with a diverse set of talents, this could be a great opportunity for you. How you’ll make an impact Lead financial forecasting, planning, and reporting for the balance sheet, net interest income, and risk capital. Own forecasting accuracy for balance sheet composition, fair value adjustments, and net interest margin. Build and maintain financial models and BI dashboards for scenario planning, variance analysis, and executive reporting. Partner with Analytics, Accounting, Treasury, and Capital Markets to ensure accurate modeling and compliance with GAAP and regulatory standards. Drive process improvements and automation within FP&amp;A to improve accuracy, efficiency, and scalability. Support month-end and quarter-end close, earnings prep, board materials, and business reviews with actionable insights &nbsp; Minimum Qualifications&nbsp; BS/MS in Finance, Economics, Computer Science, Statistics, or related field (or equivalent experience). 7+ years of relevant experience in FP&amp;A, Accounting, Investment Banking, or Corporate Finance. Strong expertise in balance sheet, liquidity, and cash management. Familiarity with consumer credit capital markets, private credit, structured finance/products/transactions. Advanced proficiency in Excel/Google Sheets; adept at handling large datasets. Strategic thinker with strong analytical and problem-solving skills. Exceptional communication and presentation skills, with ability to influence senior leadership. Highly organized, able to manage multiple priorities under tight deadlines. Adaptable, independent, and effective in fast-paced environments. &nbsp; Preferred Qualifications CPA certification with strong knowledge of GAAP and fair value accounting principles. Experience with NetSuite and FP&amp;A tools such as Adaptive Planning. Proficiency with business intelligence and reporting tools (e.g., Looker, Tableau, Mode). Familiarity with advanced analytics tools such as SQL, Python, or R. Prior experience in the consumer marketplace lending or fintech industry. &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; 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 &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$124,000&mdash;$172,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Manager - Corporate FP&A

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; and Austin, Texas. 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 is in a period of rapid growth and the People team is foundational to our continued success as we scale. 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 culture that will enable continued success for our employees and our borrowers! As an HR Business Partner supporting our Tech team, you will be responsible for day-to-day HR support to a critical talent population at Upstart. From front line manager coaching and talent development, to performance cycles and cultural initiatives, you will partner closely with the Lead HRBP and the Tech management team to uplevel performance and the employee experience at Upstart. You will also be a strategic HR Business Partner for our Auto GTM team, providing support to a key vertical team as they continue to scale.&nbsp; As a member of our growing People org, you will participate in company-wide HR programs that could include initiatives in performance and talent management, employee engagement, system implementation, diversity and inclusion, development and more. 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; 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, to rewards and recognition, and high performance culture, act as a trusted thought partner and coach. Manager support: Build relationships with managers to ensure their confidence and trust in the HR team; offer ideas and resources to help them thrive in their roles and careers at Upstart. 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. 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. Project and program support: Support core HR programs, processes and initiatives such as performance management, compensation planning, employee engagement and diversity and inclusion. Solve problems:&nbsp;Be an adaptable problem solver, liaising between the People Ops 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. &nbsp; What we’re looking for:&nbsp; Minimum requirements: BA/BS degree or equivalent professional experience 3-5 years of Human Resources experience in the tech industry (HRBP, HR generalist, employee relations) Preferred qualifications: Experience working with Tech teams (Engineering, Product &amp; UX Design, Machine Learning) and GTM teams in a geographically dispersed or digital first environment Excellent communication and stakeholder management skills Comfortable navigating ambiguous situations, complex interpersonal dynamics, and change management Exceptional judgment to recognize when escalations are needed High emotional intelligence with a demonstrated ability to handle sensitive and confidential situations with professionalism Skilled in performance management best practices and employee relations matters&nbsp; Well versed in people analytics and familiarity with using HRIS systems, with an ability to influence with data&nbsp; History of building relationships across all levels and teams to foster better business outcomes&nbsp; Strong bias for action and a track record of strong work ethic, integrity and personal accountability 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$135,000&mdash;$186,700 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Business Partner, Tech

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; and Austin, Texas. 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 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 Immigration Program Manager, you will extend that mission into one of our most complex and business-critical areas: immigration. You’ll lead the U.S. immigration program, balancing compliance and risk management with a focus on creating experiences that feel transparent and navigable for employees and managers. Through strong vendor partnerships, scalable program design, and proactive communication, you’ll make a challenging process feel seamless—ensuring Upstart can attract, retain, and support top global talent while enabling every Upstarter to stay focused on doing great work. How you’ll make an impact Immigration Program Leadership: &nbsp;Lead and scale Upstart’s U.S. immigration program, ensuring complex regulatory requirements are translated into clear, navigable processes that support both compliance and employee confidence. Vendor &amp; Stakeholder Management: Manage strategic relationships with external counsel and vendors, holding partners accountable to high standards while aligning internal stakeholders around seamless, employee-centered outcomes. Risk &amp; Compliance Oversight: Safeguard compliance across all U.S. immigration processes by building governance frameworks that reduce risk and make regulatory obligations feel straightforward for employees, managers, and partners. Employee &amp; Manager Experience: Design resources, guidance, and communications that make immigration transitions easier to understand and manage, providing white-glove support for complex cases while empowering managers and employees to move forward with clarity. Program Optimization &amp; Governance: Build scalable workflows and data governance practices that bring structure to complexity, enabling automation, consistency, and long-term sustainability of the program. Minimum Qualifications&nbsp; 5–7+ years of U.S. Immigration, Mobility, or related program management experience. Deep knowledge of U.S. immigration processes (e.g., H-1B, TN, OPT/STEM OPT, PERM, I-140, I-485). Demonstrated experience managing external immigration counsel and vendors. Proven ability to independently own and deliver cross-functional programs with business impact. Strong written/verbal communication skills; able to distill complex information for diverse audiences. Skilled in end-to-end project management—including frameworks, prioritization, execution practices, and stakeholder alignment—and adept at using tools to drive scalable, well-governed programs. Preferred Qualifications Skilled in building governance frameworks, audit procedures, and automation to safeguard compliance and data integrity. Strong consultative skills with the ability to influence leaders, anticipate downstream impacts, and balance compliance, cost, and employee experience. High-growth experience—has built or scaled immigration programs during periods of organizational change. Comfortable with ambiguity and skilled at designing programs that adapt to evolving business and regulatory needs. Global immigration experience is a plus. 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; 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$135,000&mdash;$186,700 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Immigration Program 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; and Austin, Texas. 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!&nbsp; The Team:&nbsp; Upstart’s Investor Services team is responsible for managing relationships with institutional capital investors, ensuring they have the necessary support, data, and insights to confidently invest in Upstart’s loan products. The team plays a crucial role in ensuring a seamless connection between Upstart’s borrower marketplace and the investors who provide the capital that fuels lending. As the Investor Services Associate at Upstart, you will play a key role in supporting investor relations, reporting, and reconciliations. This role is designed for someone with a strong analytical mindset who can leverage data to improve investor insights and work cross-functionally to solve complex problems. &nbsp; Position Location - This role is available in the following locations: Remote Time Zone Requirements - This team operates on 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: Support investor operations, including onboarding, reporting, account reconciliations, and addressing investor inquiries. Work cross-functionally with Treasury, Accounting, and Capital Market&nbsp; teams to resolve discrepancies and ensure smooth financial operations. Enhance reporting capabilities by analyzing investor data, identifying trends, and improving the accuracy and efficiency of investor reports. Monitor investor transactions and accounts, ensuring alignment with funding agreements and operational processes. Proactively identify areas for improvement in investor processes, suggest automation opportunities, and drive efficiency initiatives. Communicate effectively with investors, responding to inquiries with professionalism and accuracy. Collaborate with internal stakeholders, including Engineering and Product teams, to optimize investor reporting tools and data accessibility. &nbsp; What we’re looking for:&nbsp; Minimum qualifications: Bachelor’s degree in Finance, Accounting, Business, Economics, or related field. 1+ years of experience in financial services, investor relations, accounting, treasury operations, or reporting. Strong analytical and problem-solving skills, with the ability to interpret complex financial data. Excellent verbal and written communication skills, with the ability to liaise effectively with external investors and internal teams. Highly organized, detail-oriented, and able to manage multiple priorities in a fast-paced environment. &nbsp; Preferred qualifications: Experience with account reconciliations and working with large datasets in reporting&nbsp; Experience in investor services, asset management, financial operations, or a similar field. Proficiency in Excel&nbsp; or other data analysis tools. Knowledge of financial reconciliation processes, treasury operations, or investment reporting. Familiarity with loan servicing, fintech, or capital markets operations. Strong initiative and a proactive approach to problem-solving. &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$101,500&mdash;$140,330 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Services Associate

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; and Austin, Texas. 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 Our IT team manages support, projects, and initiatives for technology at Upstart. From help desk inquiries to onboarding and off-boarding employees,&nbsp; troubleshooting employees’ network connections, system and application access, remote connections, and overall computer set-up.&nbsp; As an IT Support Analyst you would play an instrumental role in ensuring that our employees have the technology they need to be successful and productive in their roles. How you’ll make an impact: Keep help desk inquiries and requests organized and up to date via internal ticketing system (Jira Service Desk). Onboarding and off-boarding of new employees, temporary employees, vendors, and contractors. Provide IT or application training to employees to ensure they have the technological resources and knowledge of how to use those resources to accomplish their responsibilities. Provide excellent service to internal and external clients; ensuring they feel that their problems are understood and addressed with minimal impact to the clients’ productivity. Document support tasks and create processes when needed in order to keep the IT team on the same page with how things are done, and that processes can be repeated or trained to others. Identify technological issue trends to proactively prevent problems and develop processes to resolve. Respond to help desk inquiries in a succinct and meaningful way. Resolve issues with Okta, GSuite, Atlassian, Slack, etc. What we’re looking for:&nbsp; Minimum requirements: Have 2+ years of experience in a technical support or customer service environment supporting Mac OS. Have 2+ years of work experience in first and second level support of systems such as SSO (Okta), GSuite, Atlassian, Slack, MDM (Jamf), Zoom, and Meraki. You are able to independently perform basic problem determination and root cause analysis regarding network, access, and general IT issues. Have experience or involvement with IT projects or large initiatives. Have proficient understanding of internal and external customer requirements. Have excellent written and verbal communication skills. Are able to work with external vendors for services and support Preferred qualifications: Have strong familiarity with IT Operations and cloud applications. You are able to create new support workflows. Position Location -&nbsp; 5 days a week&nbsp;into Columbus office&nbsp; 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 days per Quarter at the San Mateo or Columbus office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.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$42.93&mdash;$58 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

IT Support Analyst

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; and Austin, Texas. 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! Not seeing an open job that matches your skills and experience? We’d love to invite you to join our Product Talent Community. It’s a simple way to stay connected with us — and for us to stay connected with you. By signing up, You’ll receive quarterly updates on Upstart and job alerts. You may receive outreach when a role opens that matches your skills and interests. There’s no commitment — just an open door to explore future opportunities when the time feels right for you. Product Team Our Product team is on a mission to expand access to credit and reimagine the future of lending. We build innovative, data-driven solutions that break down barriers and create financial opportunities for millions. By leveraging technology, user insights, and seamless design, we’re transforming the lending experience to be more inclusive, efficient, and customer-centric. If you're passionate about driving meaningful change and solving complex challenges, join our Product Talent Community to stay up to date on Upstart news and open roles. Things to love about Upstart: 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 Thanks again for your interest in Upstart and joining our Product Talent Community!Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Join our Product Talent Community!

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; and Austin, Texas. 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 Our Mortgage Operations team is the newest division at Upstart. For launch, we’re looking to start with a HELOC product across several states. Over the next 18 months we’re looking to rapidly expand the product across all 50 states. Over time, we will also add additional products, including additional equity and 1st mortgage products. The team will be small to start, so we’re looking for individuals with a start up mentality, willing to go above and beyond their job descriptions to help our customers and ultimately put Upstart Mortgage at the top of the list for best places to get a Home Loan.&nbsp;&nbsp; NMLS License requirement: In order to be considered for this role, you must hold an active NMLS license.&nbsp; Position Location - This role is available in the following locations: Columbus, Ohio (must be within a 60 mile radius). This position is a hybrid position with weekly on-site requirements at the Easton, OH office. Time Zone Requirements - This team operates on the East Coast time zone. Travel Requirements - &nbsp;As a digital first company, the majority of your work can be accomplished remotely. While the majority of your work can be done remotely this team has regular on-site collaboration sessions at the Columbus, OH office. You will be expected to go into office upon leaderships request. &nbsp; How you’ll make an impact: As a Licensed Loan Processor you will assist Customers with navigating the mortgage HELOC process by helping them understand the loan products we offer as well as talking them through their pricing options.&nbsp; Deliver an outstanding customer experience by representing Upstart when working with potential borrowers as part of the verification process.&nbsp; Serve as a resource for customer issues, complaints, application information verification, and other complex tasks. Identify possible areas of process and workflow improvements, contribute to the development and implementation of solutions. Responsibilities will include outbound (warm) calls; inbound phone support, and email communications.&nbsp; Act as a utility player, supporting both pre- and post-origination efforts. &nbsp; What we’re looking for:&nbsp; Minimum qualifications: Must have at minimum 6 months experience in a customer contact operations role.&nbsp; 3-5 years of experience in mortgage loan processing or loan officer roles at a Financial Institution or Mortgage company directly supporting customers Proven experience handling difficult or complex customer communications both verbally and in writing, including the ability to generate succinct timelines and escalation details Experience reviewing various tax forms and schedules, financial statements, credit reports, and general lending concepts Strong understanding of mortgage products, including HELOCs, and the loan process, from application through closing Knowledge of laws and regulations associated with mortgages High School Diploma or GED Preferred qualifications: Familiarity with Fraud and BSA/AML practices and procedures Ability to think critically, propose creative solutions, and flag inconsistencies in documentation Experience working with loan origination systems (LOS) like Vesta or Encompass&nbsp; Strong organizational and time management skills, able to prioritize tasks effectively in a fast-paced environment Passion for delivering a great customer experience Ability to demonstrate patience alongside efficiency; can triage and prioritize questions or issues, take ownership, and drive problems to resolution Very strong attention to detail, with an understanding that small mistakes can have a large impact Proven ability to handle complex or unusual loan scenarios and work closely with underwriters to find solutions &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 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; &nbsp; #LI-AssociateThis 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$57,100&mdash;$79,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Licensed Loan Processor

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; and Austin, Texas. 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 Our Mortgage Operations team is the newest division at Upstart. For launch, we’re looking to start with a HELOC product across several states. Over the next 18 months we’re looking to rapidly expand the product across all 50 states. Over time, we will also add additional products, including additional equity and 1st mortgage products. The team will be small to start, so we’re looking for individuals with a start up mentality, willing to go above and beyond their job descriptions to help our customers and ultimately put Upstart Mortgage at the top of the list for best places to get a Home Loan.&nbsp;&nbsp; NMLS License requirement: In order to be considered for this role, you must hold an active NMLS license.&nbsp; Position Location -&nbsp;This role is available in the following locations: San Mateo, CA (must be within a 60 mile radius). This position is primarily remote with on-site requirements at the San Mateo, CA office. Time Zone Requirements - This 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. While the majority of your work can be done remotely this team has regular on-site collaboration sessions at the Columbus, OH office. You will be expected to go into office upon leaderships request. &nbsp; How you’ll make an impact: As a Licensed Loan Processor you will assist Customers with navigating the mortgage HELOC process by helping them understand the loan products we offer as well as talking them through their pricing options.&nbsp; Deliver an outstanding customer experience by representing Upstart when working with potential borrowers as part of the verification process.&nbsp; Serve as a resource for customer issues, complaints, application information verification, and other complex tasks. Identify possible areas of process and workflow improvements, contribute to the development and implementation of solutions. Responsibilities will include outbound (warm) calls; inbound phone support, and email communications.&nbsp; Act as a utility player, supporting both pre- and post-origination efforts. &nbsp; What we’re looking for:&nbsp; Minimum qualifications: Must have at minimum 6 months experience in a customer contact operations role.&nbsp; 3-5 years of experience in mortgage loan processing or loan officer roles at a Financial Institution or Mortgage company directly supporting customers Proven experience handling difficult or complex customer communications both verbally and in writing, including the ability to generate succinct timelines and escalation details Experience reviewing various tax forms and schedules, financial statements, credit reports, and general lending concepts Strong understanding of mortgage products, including HELOCs, and the loan process, from application through closing Knowledge of laws and regulations associated with mortgages High School Diploma or GED Preferred qualifications: Familiarity with Fraud and BSA/AML practices and procedures Ability to think critically, propose creative solutions, and flag inconsistencies in documentation Experience working with loan origination systems (LOS) like Vesta or Encompass&nbsp; Strong organizational and time management skills, able to prioritize tasks effectively in a fast-paced environment Passion for delivering a great customer experience Ability to demonstrate patience alongside efficiency; can triage and prioritize questions or issues, take ownership, and drive problems to resolution Very strong attention to detail, with an understanding that small mistakes can have a large impact Proven ability to handle complex or unusual loan scenarios and work closely with underwriters to find solutions &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 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-AssociateThis 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 lawSan Mateo - Anticipated Hourly Rate Range$57,100&mdash;$79,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Licensed Processor

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; and Austin, Texas. 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 Machine Learning, Personal Loan Underwriting &nbsp;team is focused on leveraging machine learning to power Upstart’s underwriting models. This team is responsible for building the underwriting model which determines credit decisioning at Upstart. This model plays a central role in Upstart’s overall performance as a company and includes numerous challenging problems to solve. &nbsp; As a Machine Learning Engineer, PL UW &nbsp;at Upstart, you will collaborate with our Research Scientists, Data Scientists,&nbsp; and other engineering departments. Your work will impact the team in a number of ways: You will increase ML productivity through better software and infrastructure; and improve how we research, train, deploy, serve and monitor our models.&nbsp; You will reduce the time it takes to go from idea to production, and enable us to test out new ideas. This will all manifest in us delivering on our critical mission of enabling access to credit more effectively. You will design and implement code and algorithms to help improve our model’s predictive power &nbsp; How you’ll make an impact Build repeatable workflows and&nbsp; automation that enables scientists to spend more time on high leverage tasks (methodology, writing, analysis) and less on keeping the lights on or getting things to run Discover and develop a short and long-term roadmap of engineering improvements on the PL UW team Explore new algorithms and methodologies for our machine learning models Interface cross-functionally with other engineering teams (data engineering, machine learning platform, pricing, and growth software engineering), to provide feedback and requirements, so that we can build high-quality systems end-to-end &nbsp; Qualifications&nbsp; Education and Experience Phd in a quantitative field with 0+ years of relevant experience Masters in a quantitative field with 2+years of relevant experience Bachelors in a quantitative field with 4+years of relevant experience Experience in Python Experience with Machine Learning &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; 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$123,200&mdash;$170,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Machine Learning 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; and Austin, Texas. 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 ML Model Risk team is responsible for ensuring that the risk of machine learning (ML) models at Upstart is well-understood, monitored, and mitigated, which requires deep understanding of the models themselves. This work is essential for Upstart’s internal risk management, ensuring that our models help us make better decisions, and to maintain credibility with external stakeholders such as our lending partners and regulators. The team’s focus is on articulating sound model risk management principles and implementing them in collaboration with our peers on Upstart’s Risk and Machine Learning teams. This work also includes explaining our ML models to stakeholders, supporting external validations, and conducting analyses to reinforce our goals. As an ML Model Risk Specialist at Upstart, you will contribute to the implementation of Upstart’s model risk management program. This work includes collaborating with our Machine Learning teams to meet model risk management requirements, with tasks ranging from producing robust model documentation, assisting with monitoring and validation efforts, and partnering with other Upstart stakeholders to understand model risk management needs across the enterprise. How you’ll make an impact Partner with model developers in the Machine Learning team to maintain robust and up-to-date model inventory, model risk assessments, documentation, and monitoring reports. For instance, ensure that documentation is both technically adequate and comprehensible to stakeholders with varying needs and levels of technical sophistication. Partner with ML teams to provide effective challenge of Upstart’s models and communicate modeling assumptions to external stakeholders. Help answer model questions from lending partners, in collaboration with other teams. Collaborate with central Upstart’s Legal and Compliance teams as needed to ensure our model risk management&nbsp; implementation meets or exceeds Upstart’s internal policies as well as regulatory requirements. Track team goals and progress. Perform risk assessment for the&nbsp; model risk management program. Minimum Qualifications&nbsp; Master’s degree in quantitative field such as finance, mathematics, economics, statistics or a related discipline Internship or project experience related to model risk management, model governance, machine learning, or data science. Basic understanding of AI/ML methodologies such as tree-based models and neural networks Experience coding in R, Python, or similar languages such as Matlab Preferred Qualifications PhD in a quantitative field of study such as statistics, econometrics, finance, mathematics; or a related discipline 1+ years of experience in model risk management or model governance, or related fields such as ML and Data Science, Risk, Trust and Safety, or Technical Writing Strong communication skills: ability to adapt technical information to varying needs and audiences, and managing trade-offs such as providing modeling detail while protecting intellectual property Proactive mindset with the ability to take initiative&nbsp; Understanding of advanced AI/ML topics such as model monitoring, fairness, and explainability Advanced coding skills in R, Python, and SQL, and experience using Git Interest in or knowledge of consumer lending&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$108,300&mdash;$150,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Machine Learning Model Risk Specialist

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; and Austin, Texas. 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 Loan Processing team is seeking a highly skilled and motivated Operations Manager to help lead our Personal Loans Team. The Operations Manager will be responsible for overseeing the day-to-day operations of the Personal Loan department, managing team production and outcomes, and providing leadership and guidance to a team of associates and Associate Operations Managers. The ideal candidate will have a strong background in people management, operations, and a proven track record of driving results in a fast paced environment. As the Operations Manager, Loan Processing &nbsp;at Upstart, you will be responsible for ensuring the Personal Loans team is meeting all target KPIs, such as productivity, turnaround times and touch rates, schedule adherence, and quality. The Operations Manager will work closely with other key leaders across Upstart to help guide and implement strategies for the department. Additionally, the Operations Manager will be responsible for providing leadership, coaching, and mentorship to associates and associate managers. How you’ll make an impact Manage and oversee the daily operations of the Personal Loans team, ensuring efficient and effective workflows and processes. Help develop and implement strategies to optimize team performance and achieve department goals and targets. Monitor team performance metrics and KPIs, identify areas for improvement, and implement corrective actions as needed. Collaborate with other departments, including Product and Engineering, Learning and Development, and&nbsp; Quality assurance to ensure seamless operations and adherence to company policies and procedures.&nbsp; Prepare and present reports and updates on team performance, including key metrics, trends, and areas of improvement to senior management. Work closely alongside the Head of Personal Loans, Workforce Management and Finance to ensure staffing conditions are being optimized. &nbsp; Minimum Qualifications&nbsp; 2+ years of people management experience demonstrating strong leadership and interpersonal skills, with the ability to motivate and inspire others to achieve their full potential. Excellent communication skills, both written and verbal with the ability to effectively communicate with team members and senior management. Strong analytical and problem solving skills with the ability to identify issues and develop thoughtful data driven solutions. Preferred Qualifications 3+ years of people leadership experience in an operations environment. &nbsp;2+ years of collections and/or servicing experience. Position location This role is available in the following locations: Columbus, Ohio 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 Columbus office 2 days per week.&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; &nbsp; #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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Operations Manager, Loan Processing

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; and Austin, Texas. 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 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; 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-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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 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; and Austin, Texas. 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 Home Lending team is tackling one of the most complex, high-stakes financial decisions people make: borrowing against their home. We’re building products that bring speed, simplicity, and inclusivity to an industry notorious for its friction and opacity. Our first offering—a radically faster, more accessible Home Equity Line of Credit (HELOC)—is already gaining strong traction. Now we’re expanding the team to scale our HELOC experience and lay the foundation for future mortgage products. As a Principal Product Designer on Home Lending, you’ll shape the end-to-end experience for Upstart’s HELOC product, rethinking the application journey from the ground up. You’ll own the design strategy across acquisition, onboarding, qualification, pricing, and offer presentation—creating an experience that is intuitive, elegant, and grounded in trust. You’ll partner closely with Product, Engineering, Machine Learning, and Legal/Compliance to ensure that the experience meets both user needs and regulatory standards. And you'll mentor other designers as we grow the team and the product. &nbsp; Position Location - This role is available in the following locations: Remote Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. &nbsp; How you’ll make an impact: Lead design strategy and execution for the full HELOC application funnel Craft elegant, empowering experiences that simplify complex financial decisions Collaborate across PM, Engineering, ML, and Compliance to shape roadmap and execution Design across web, mobile, and email to ensure consistency and platform optimization Conduct research and usability testing to uncover insights and validate decisions Define scalable design patterns and systems to support future product expansion Balance clarity, empathy, and compliance in a high-trust product environment Mentor other designers and shape the evolution of Upstart’s design culture and practices &nbsp; What we’re looking for:&nbsp; Minimum requirements: 10+ years of experience designing consumer-facing digital products, ideally in fintech or high-stakes decision environments Strong portfolio showcasing intuitive UX, high design quality, and measurable business impact Experience leading design for complex, multi-step flows (e.g., eligibility, pricing, personalization) Mastery of interaction design, visual design, and systems thinking Strong collaborator with product, engineering, legal, and data partners Skilled in design rationale, facilitation, and navigating ambiguity Fluency with modern design and research tools (Figma, UserTesting, etc.) Proven ability to guide and mentor design talent across teams Preferred qualifications: Experience designing financial products involving qualification, lending, or regulatory compliance Familiarity with experimentation, funnel optimization, and growth-oriented design Background in behavioral science, service design, or decision architecture Experience working within and contributing to design systems Commitment to accessibility and inclusive design standards &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-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$198,700&mdash;$275,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Designer, HELOC

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; and Austin, Texas. 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 Borrowers at Upstart are often approved within minutes—but spend years repaying their loans. The Servicing team owns 99% of borrower interactions during that repayment period, designing experiences that reduce delinquency, build trust, and guide borrowers toward financially healthy outcomes. This includes not only borrower-facing platforms, but also the tools used by customer support agents to deliver empathetic, efficient service. As a Principal Product Designer on Servicing, you’ll define the future of Upstart’s borrower and agent servicing experiences. You’ll own the long-term design vision for how millions of borrowers repay $15B+ in loans—across web, mobile, telephony, and emerging channels like AI chat. You’ll partner with product, engineering, machine learning, and operations to deliver experiences that are intelligent, intuitive, and deeply human. You’ll also oversee and mentor senior designers, setting the bar for design excellence and long-term experience quality across the team. &nbsp; Position Location - This role is available in the following locations: Remote 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: Define and evolve the end-to-end servicing design strategy across borrower and agent platforms Lead design for repayment workflows, delinquency recovery, and agent tooling Create consistent, scalable experiences across web, mobile, telephony, and conversational AI Collaborate with PMs, engineers, ML, and ops to drive roadmap strategy and execution Conduct research to uncover borrower and agent needs, behaviors, and pain points Advocate for accessibility, empathy, and clarity in every interaction Mentor senior designers and provide clear, actionable feedback and critique Represent borrower perspectives in planning, prioritization, and experience measurement What we’re looking for:&nbsp; Minimum requirements: 10+ years designing and launching digital products, with a record of leadership and impact Experience crafting strategy for complex, multi-platform service experiences Portfolio that demonstrates systems thinking, excellent visual and interaction design, and behavioral or business outcomes Experience designing both self-serve customer flows and internal operational tools Proficiency in Figma and modern research and usability testing tools Strong facilitation and communication skills; experienced in stakeholder alignment Proven ability to guide and mentor design talent across teams Preferred qualifications: Experience in fintech, credit servicing, or customer support environments Familiarity with voice, chat, or AI-driven multi-modal UX Deep understanding of accessibility, compliance, and regulated product design Track record of improving product or operational performance through design Experience working within and contributing to design systems Commitment to accessibility and inclusive design standards &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-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$198,700&mdash;$275,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Designer, Servicing

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; and Austin, Texas. 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 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.&nbsp; As a Principal Product Manager, you will own the strategy and execution for the conversion team, focusing on improving the loan application and onboarding experience for Upstart, and helping unify Upstart's credit offerings into a unified application experience. You’ll collaborate with cross-functional teams to drive both large-scale initiatives and smaller, data-driven experiments that optimize customer and&nbsp; business outcomes. &nbsp; How you’ll make an impact: Develop and execute strategies to drive growth for top of funnel conversions, focusing on Upstart’s personal loan product and enhancing the product experience across multiple credit offerings to build a cohesive multi-product marketplace. Establish and track success metrics to assess the impact of product initiatives, ensuring continuous optimization and improved outcomes. Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary Collaborate closely with product managers, engineering, analytics, design, and marketing to align goals and streamline processes, ensuring cross-functional coordination and successful delivery of initiatives. Leverage data-driven insights to make informed product decisions, identifying opportunities for optimization and testing hypotheses to improve key metrics. Deeply understand the customer through ongoing collaboration with consumer insights, product marketing, and product teams, ensuring the borrower experience is intuitive, seamless, and meets evolving customer needs. &nbsp; What we’re looking for:&nbsp; Minimum requirements: 6+ years experience in a product management role focused on conversion optimization with demonstrated&nbsp; success leading a team to meet specific KPIs (e.g., conversion improvements, revenue) Strong experimentation and data analytics skills, including hypothesis generation, A / B testing, funnel and results analysis Exceptional collaboration skills, with a proven ability to align diverse stakeholders - from executive leaders to cross-functional partners - around a shared strategy. A user-first mindset, with the ability to distill complex customer insights into elegant, high-utility product experiences. Strong judgment and prioritization skills, able to identify high-leverage opportunities and navigate trade-offs with confidence and clarity. Preferred qualifications: Experience building consumer products for technology companies, preferably in highly regulated industries (financial services, healthcare, etc.) Proven track record of building and scaling multi-product ecosystems or marketplaces in a B2C environment. Strong customer-centric mindset with the ability to translate customer insights into actionable product features and enhancements. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote, USA; San Mateo, CA, 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; 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 &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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Conversion

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; and Austin, Texas. 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 Financial Operations team is the backbone of our financial integrity, building the ledgers, close-automation, and cash-management systems that give executives real-time, audit-ready insight into the company’s performance. Innovating at the intersection of Capital Markets, Accounting, FP&amp;A, Treasury, and Engineering, the team builds the foundational analytics and internal tooling needed to streamline deal execution and improve transparency. Financial Operations solutions play a critical role in shaping how we manage the balance sheet, execute securitization and capital transactions, and maintain a high-quality accounting close process. As the Principal Product Manager, Financial Automation at Upstart, you will own the vision and roadmap for this FinOps platform end-to-end: replacing spreadsheet sprawl with append-only services, automated controls, and self-service planning tools that scale with our growth. You’ll orchestrate multiple engineering and stakeholder pods, drive SOX-compliant releases, and unlock day-zero visibility for Accounting, FP&amp;A, and Treasury, so leadership can steer the business with speed and confidence. How you’ll make an impact Design and build scalable systems that automate core Treasury and Capital Markets workflows and unlock efficiency Enable real-time, trustable financial visibility. Ship solutions that cut manual data prep and give FP&amp;A and Treasury instant insight into cash, liquidity, and P&amp;L drivers Accelerate planning and forecasting cycles. Replace manual workflows with a self-service planning platform Partner closely with engineering leadership to define the long-term vision and roadmap for reporting and analytics automation Institutionalize data governance and audit readiness. Design event-sourced ledgers, evidence capture, and access controls Define product strategy and roadmaps and launch features in partnership with engineering teams Minimum Qualifications&nbsp; 5+ yrs of end-to-end product ownership across data, finance or business intelligence systems Experience shipping Business Intelligence tools and data products Experience leading initiatives at a Principal PM level Proven track record orchestrating across engineering teams to replace manual workflows with real-time services Executive-level influence and ability to consistently drive alignment on roadmap, risk trade-offs and control design Customer-backed problem framing and discovery excellence. Experience with validation via rapid prototyping BA/BS in Finance, Economics, Computer Science, Electrical Engineering, Mathematics, Statistics, a related technical field, or equivalent practical experience Agile execution at scale. Demonstrated ability to build and maintain outcome-oriented backlogs, enforce crisp sprint goals, and drive continuous delivery without sacrificing quality or compliance Preferred Qualifications Experience building financial tooling or working in capital markets, treasury, or fintech environments. Has shipped at least one SOX-compliant, event-stream ledger or close-automation platform and operated with the full strategic autonomy Passion for empowering non-technical teams through data and tooling. 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. 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 #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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Financial Automation

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; and Austin, Texas. 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 Pricing and Underwriting&nbsp;team is composed of Machine Learning research scientists, data scientists, and software engineers, on a mission to improve the accuracy of our credit risk and underwriting models, with a focus on our flagship product (Personal Loans) and building the platform to unlock innovation in other product lines. This team advances our ML innovation engine and brings new research ideas, across model innovations and new data sources, into the hands of our end consumers, thereby delivering the best rates for all.&nbsp; As the&nbsp;Principal Product Manager, Machine Learning and Pricing at Upstart, you will &nbsp;ship core improvements to our machine learning models, with a focus on credit risk and underwriting. You will drive the strategic direction and day-to-day execution of a cross-functional technical team of research scientists, data scientists, and software engineers that ship model improvements for our flagship Personal Loans product. You will own and manage key vendor relationships with external data sources leveraged by our machine learning team and build a roadmap to expand and diversify those data sources as we pursue our mission of best rates for all.&nbsp; How you’ll make an impact Conduct user research, analyze portfolio performance, and manage stakeholders to drive consensus towards a roadmap for our credit underwriting models Identify new opportunities to improve the accuracy and speed of credit underwriting decisions&nbsp; Write detailed requirements; manage agile processes to ensure consistent execution and accurate timelines across engineering and machine learning teams Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary Deliver improved credit performance for our lending partners and investors while advocating for an excellent customer experience Demonstrate and encourage best practices in product management by working with other PMs throughout the company Minimum Qualifications&nbsp; BA/BS in Economics, Computer Science, Electrical Engineering, Mathematics, Statistics, a related technical field, or equivalent practical experience. 5-7 years of product management experience.&nbsp; Knowledge of machine learning workflows (e.g. model training, online inference, feature management, etc.)&nbsp; Experience working with a machine learning team to ship models into production. Demonstrated ability to achieve strategic goals in an innovative and fast-paced environment, and to evolve product strategy based on research, data and industry trends; excellent problem-solving, organizational and analytical skills. Passion and aptitude for credit and financing-related economic concepts. Preferred Qualifications Work experience in credit risk and underwriting&nbsp; Work experience in machine learning, data science, or analytics Demonstrated ability to excel in informal or formal product leadership responsibilities. 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. 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 #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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Machine Learning and 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; and Austin, Texas. 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 Servicing team is responsible for the entire customer journey after a loan is funded. We ensure that borrowers stay on track with payments, help them when they struggle to pay, and drive collections and recoveries when they are unable to pay. We do this through a combination of borrower-facing tools, customer support agents, and AI-agents, powered by Upstart’s ML-driven decision making. We deliver better financial outcomes for borrowers, and business outcomes for Upstart. As the Principal Product Manager for Servicing at Upstart, you will lead the charge on leveraging machine learning to deliver more personalized experiences across the borrower journey, to deliver massive business impact. You will partner closely with the Machine Learning team to establish better infrastructure, process, and culture for delivering ML-based interventions, and translate that into user-facing impact by reaching the right borrowers, at the right time, with the right intervention. You’ll deliver solutions that answer questions like “when should borrowers schedule their payments?”, “ Which borrowers should receive financial hardship offers?”, “ Which support agents should take calls related to Collections?” … and much more. How you’ll make an impact Define the strategy how and where ML-based interventions can have the most impact within Servicing at Upstart Create systems and processes that enable the team to consistently deliver ML models that drive outsized business impact Partner closely with other PMs and engineers across servicing to understand the borrower touchpoints and interventions that should be more personalized Deeply understand Upstart’s borrowers, enabling you to design systems that make the right personalization decisions Establish and track success metrics to assess the impact of product and operations initiatives, ensuring continuous improvement and concrete business impact. Leverage data-driven insights to make informed product decisions, identifying opportunities for optimization and testing hypotheses to improve key metrics. Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary. &nbsp; Minimum Qualifications&nbsp; 6+ years experience in a product management role building both ML-based systems and consumer-facing products Demonstrated success in driving business outcomes through a balance of quantitative&nbsp; metrics and qualitative understanding. You’re clever and enterprising when it comes to having the minimum data necessary to make an informed decision. Your risk tolerance is well honed. Strong product sense.&nbsp; You have independently authored and executed on a multi-quarter roadmap, and have been around to see the consequences (good and bad) of your decisions. Rigorous and analytical problem solving; well structured, concise, and highly effective communication. Ownership and growth mindset. You act like an owner. You’re often right, but humble and open minded about being wrong. You’re perpetually dissatisfied and striving to improve yourself and the team &nbsp; Preferred Qualifications Experience building products in fintech, credit servicing, or customer support environments Familiarity with voice, chat, or AI-driven multi-modal UX Aptitude for and interest in credit and personal finance economic concepts Demonstrated and expressed mission orientation, and outsized results that match your passion 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 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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Servicing

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; and Austin, Texas. 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!Upstart’s Security team is dedicated to advancing security practices that enhance the safety of our products, customers, and partners.&nbsp; We believe that security should empower innovation, move at the speed of business, and be designed for safety from the ground up. Our mission is to protect Upstart’s products &amp;&nbsp; enterprise, and manage threats to Upstart. We achieve this&nbsp; through automation, strong collaboration with partner teams, and a commitment to maintain a positive experience for Upstarters..As a Principal Security Engineer, you will play a pivotal role in shaping Upstart’s security strategy. You will architect, design, and influence our security measures across&nbsp; all security controls while driving our roadmap forward. Partnering closely with&nbsp; Engineering and business leaders, you will develop and implement security patterns&nbsp; to protect our products while enabling developers. This role requires a well-rounded security practitioner who can mentor engineers, stay ahead&nbsp; of emerging threats, and effectively communicate security risks to senior and executive stakeholders. How you’ll make an impact: Lead complex, high-impact security initiatives with cross-team dependencies&nbsp; across our products, services, infrastructure, and enterprise Collaborate with key stakeholders to develop&nbsp; and implement security patterns that reduce risk and enable developers Provide mentorship, foster a strong security culture and promote security excellence Continually assess Upstart’s security risk posture and influencing priorities and roadmap decisions Stay at the forefront of innovative security solutions to strengthen our stance Monitor emerging threats and attack methods, ensuring Upstart remains&nbsp; one step ahead What we’re looking for:&nbsp; Minimum requirements: Deep expertise across multiple security domains (e.g. Application Security, Infrastructure Security, Enterprise Security, Detection &amp; Response, Security GRC, Customer Trust, Offensive Security) Demonstrable track record as an influential security leader, driving security solutions across multiple stakeholder groups Experience with advanced threat modeling techniques and risk assessment Strong communication skills, capable of engaging engineers and senior leadership through clear, concise, and effective messaging (both written and verbal). Ability to promote innovative security solutions while independently navigating ambiguity to drive change. 10+ years of experience in security leadership, open to strong individual contributors and people managers Preferred qualifications: Strong security program management experience, leading large-scale, multi-team security initiatives. Contributions to the security industry (e.g. industry presentations, white papers, OSS projects, patents) Familiarity with compliance frameworks, including SOC1, SOC2, and SOX &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; 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;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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

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; and Austin, Texas. 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 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 Site Reliability Engineer at Upstart, you will serve as a thought leader and SRE evangelist - driving adoption of best practices, mentoring engineers across the organization, and influencing both technical and business decisions. Your impact will extend beyond SRE into cross-functional collaboration with Product Engineering, DevEx, Development Productivity (Quality), DevOps, Data Engineering, and Machine Learning teams to elevate operational excellence across the company. How you’ll make an impact: Lead the definition, advocacy, and adoption of SRE principles across engineering teams Partner with leadership to shape long-term reliability, resiliency, and observability strategies Champion distributed tracing, real user monitoring (RUM), and key performance metrics such as Largest Contentful Paint (LCP) to improve system visibility and user experience Build and scale self-healing systems to minimize manual intervention and reduce downtime Drive enterprise-wide improvements to incident response processes, including those related to Machine Learning systems Collaborate closely with Development Productivity and Quality teams to improve engineering velocity without sacrificing reliability Influence technical and operational roadmaps through data-driven insights and hands-on technical contributions Own and deliver cross-functional initiatives from concept through execution, applying program management skills to align stakeholders and achieve results What we’re looking for:&nbsp; Minimum requirements: 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 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 -&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; 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-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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Site Reliability Engineer (SRE)

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; and Austin, Texas. 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 Mobile team is in the midst of a transformation—from a scrappy, embedded model into a world-class, scalable engineering platform. As we expand our iOS app and launch Android, our need for dedicated backend expertise has never been greater. You’ll be the first backend engineer embedded within the mobile team, working alongside React Native developers and product partners to shape foundational systems for engagement, messaging, and performance. This is a highly influential role with the opportunity to define backend architecture in support of Upstart’s mobile-first evolution. How you’ll make an impact: Architect scalable, reusable backend systems that power critical mobile features, including push notifications, data synchronization, and cross-device user flows Shape the long-term backend strategy for mobile, reducing ad-hoc and duplicated efforts across teams Act as a technical bridge—translating mobile needs into backend capabilities and unblocking delivery velocity Drive architectural alignment across teams and domains, advocating for scalable patterns that support mobile growth Identify and resolve cross-functional technical challenges that span platform, product, and infrastructure boundaries Mentor engineers across mobile and backend teams, introducing sustainable practices and improving system maintainability Contribute directly to Upstart’s ability to scale its mobile engagement and retention—impacting both user experience and business performance &nbsp; What we’re looking for:&nbsp; Minimum requirements: 6+ years of backend engineering experience, including designing and scaling distributed systems Deep experience with service-oriented architecture, system design, and API development for mobile applications Proven ability to influence technical direction across teams and communicate architectural tradeoffs to stakeholders Experience collaborating with mobile teams or supporting mobile-first features at scale Strong communication and collaboration skills, especially in environments with competing priorities Proficiency in at least one backend language (e.g., Ruby, Go, Kotlin) and fluency in cloud infrastructure patterns Demonstrated success operating without authority in complex, cross-functional organizations &nbsp; Preferred qualifications: Prior experience building systems that support mobile clients (e.g., push notifications, offline sync, background jobs) Experience working in a hybrid mobile architecture (e.g., React Native + native codebases) Exposure to both platform and product engineering challenges Familiarity with mobile-specific performance and reliability concerns Background in mentorship or technical leadership across multiple teams Passion for designing elegant, sustainable systems that scale with product ambition &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; 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, L6At 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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

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; and Austin, Texas. 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 Capital Supply Vertical is the fuel that powers Upstart’s AI based lending operations. Spread across five dynamic high performance teams; Capital Supply is in charge of onboarding and maintaining Capital Supply relations with both our Lending Partners and Investors. We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers. As a Principal Engineer at Upstart on the Capital Supply&nbsp; team, you will collaborate with all parts of the Upstart business and engineering, including Machine Learning, Data Engineering, Product Management, Product Design, Platform, Servicing, Lending Partnerships, and Auto. The role will report directly to a head of Capital Market Engineering and work closely with all five of the Capital Supply&nbsp; product engineering teams. Your goal is to autonomously identify and prioritize high impact work that will ultimately make the Capital Supply Vertical successful. How you’ll make an impact: Help define the Capital Supply engineering’s longer term technical roadmap ensuring alignment with business objectives Guide the architectural evolution of Capital Supply systems with an emphasis on systems shared across the Capital Market engineering teams Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction&nbsp;&nbsp; Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation Partner with product leaders to shape product direction and drive business impact across all Capital Supply products Lead from the front, while mentoring and developing technical leaders Identify and prioritize high leverage and impactful opportunities What we’re looking for:&nbsp; Minimum requirements: 10+ years software engineering experience&nbsp; Strong technical and software engineering fundamentals including a demonstrated ability to build and own large-scale, highly available consumer products Ability to explain complex business and technical concepts to all audiences Experience leading large cross-team initiatives at companies that have gone through periods of rapid business or organizational growth Track record of successfully mentoring and developing technical leaders Preferred qualifications: Has defined and executed on longer term (multi-quarter +) technological visions or strategies for multi-team organizations Has driven initiatives of significant depth or breadth with demonstrated results in engineering process, technology platforms, or overall productivity of others Ability to identify gaps in organizational knowledge, tools, and practices and produce and execute on plans to address those gaps Ability to influence and lead without direct authority Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs Position Location -&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 - 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 #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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Capital Marketplace

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; and Austin, Texas. 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 Growth Team is in charge of expanding Upstart’s reach to the millions of Americans without access to affordable credit. We are energized by the prospect of breaking ground in our field and making a positive impact on people’s financial lives. We are looking for a full-stack growth marketing manager, who can help us grow our new products sustainably through compelling and creative ways. As the Product Marketing Lead –, you will lead product marketing for our newest product putting technology to work for everyday Americans. Every year, millions of people turn to high-cost payday and cash advance loans to cover short-term needs, often paying excessive fees and interest to make ends meet. Our mission is to build products that help our customers stabilize their lives and build real financial security. You’ll drive the growth strategy, go-to-market execution, and customer adoption plan from the ground up, shaping how borrowers discover, understand, and repeatedly use the product. This is a high-impact role for someone who can translate insights into action, and who thrives in fast-moving, zero-to-one environments. &nbsp; Position Location - This role is available in the following locations: Remote Time Zone Requirements - 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. 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: Own the growth goal and go-to-market strategy for a mobile-only lending product: Lead the strategy and execution to drive acquisition, engagement, and funded loans through Upstart’s app. You’ll be responsible for identifying the most impactful growth levers and collaborating cross-functionally to activate them. Define and evolve product positioning and messaging to maximize clarity, trust, and adoption. You'll craft compelling narratives and value props that resonate with mobile-first borrowers and differentiate the product in a competitive landscape. Drive mobile acquisition and retention: Partner with lifecycle, performance marketing, and creative teams to launch integrated campaigns that grow app installs, boost engagement, and increase repeat usage. Partner on borrower and market insights: Work closely with our Consumer Insights team to translate qualitative and quantitative research into actionable marketing strategies. Use insights to shape positioning, messaging, and the borrower experience. Support in-app journey optimization: Partner with Product and Design teams to identify friction points in onboarding and application flows. Contribute to testing and refinement efforts that aim to improve conversion and enhance borrower engagement. Measure what matters: Define success metrics and continuously track performance across acquisition, activation, and retention. Use data to drive iteration, clearly communicate impact, and make decisions grounded in business outcomes.Develop a deep understanding of how the product generates revenue and what levers impact profitability. Use that knowledge to guide marketing strategy and optimize spend for long-term, sustainable growth. Stay ahead of market trends: Monitor the competitive landscape and emerging consumer behaviors to inform positioning and marketing strategy. &nbsp; What we’re looking for:&nbsp; Minimum requirements: 10+ years of experience in growth or product marketing for consumer-facing technology products, ideally mobile-first Demonstrated success driving acquisition and engagement for app-based products Experience owning go-to-market strategy and growth for a new or early-stage product Strong understanding of key financial drivers including LTV, CAC, payback periods, and unit economics Experience managing or influencing a product P&amp;L and making prioritization decisions based on business impact Proven ability to use data and insights to shape positioning, improve conversion, and influence roadmap Effective cross-functional collaborator with Product, Growth, Analytics, and Creative teams Preferred qualifications: Experience working on or marketing subscription-based products Familiarity with mobile growth tools and tactics (e.g., MMPs, ASO, push, in-app messaging, mobile funnel optimization) Background in fintech or highly regulated industries Ability to operate independently in fast-paced, ambiguous environments and drive outcomes Skilled in crafting messaging that drives acquisition, onboarding, and engagement Strong written and verbal communication skills with an ability to simplify complex concepts 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$155,500&mdash;$215,100 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Marketing Lead, New Products

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; and Austin, Texas. 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 Growth Team is in charge of expanding Upstart’s reach to the millions of Americans without access to affordable credit. We are energized by the prospect of breaking ground in our field and making a positive impact on people’s financial lives. We are looking for a full-stack growth marketing manager, who can help us grow our new products sustainably through compelling and creative ways. As the Product Marketing Lead, you will lead product marketing for our newest product putting technology to work for everyday Americans. Every year, millions of people turn to high-cost payday and cash advance loans to cover short-term needs, often paying excessive fees and interest to make ends meet. Our mission is to build products that help our customers stabilize their lives and build real financial security. You’ll drive the growth strategy, go-to-market execution, and customer adoption plan from the ground up, shaping how borrowers discover, understand, and repeatedly use the product. This is a high-impact role for someone who can translate insights into action, and who thrives in fast-moving, zero-to-one environments. As part of a small, high-impact team, you’ll help shape the next chapter of Upstart’s growth—working across product, marketing, and leadership to bring transformative ideas to life. If you’re energized by big challenges and eager to leave your fingerprints on initiatives that matter, we’d love to talk. &nbsp; Position Location - This role is available in the following locations: Remote 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; The Role We’re looking for a Product Marketing Manager, Growth to drive bold, cross-functional bets that will shape how we bundle, distribute, and position our products for greater relevance and reach. Sitting at the intersection of product, growth, and strategy, this role requires a strong operator who brings clarity to ambiguity and momentum to high-stakes initiatives. You’ll partner closely with leaders across Product, Marketing, and Analytics to execute strategic programs. You’ll also own and evolve our competitive strategy, centralizing insights and turning them into action across product, positioning, and GTM. Finally, you’ll drive strategic marketing efforts for our flagship product, Personal Loans, helping unify our approach across paid, lifecycle, and owned channels. How you’ll make an impact: Partner with cross-functional leads to execute company-wide growth initiatives that reimagine how we package and distribute our products. Develop and lead bold, omnichannel growth programs for Personal Loans, including geo-targeted and segment-specific initiatives. Own and scale our competitive intelligence function—synthesizing insights into recommendations that shape positioning, product direction, and growth strategy. Identify and prioritize high-leverage growth opportunities through deep analysis of customer behavior, product performance, and competitive moves. Influence roadmap decisions by championing the voice of the customer, market trends, and white space opportunities. Test and learn your way into bold ideas—designing iterative experiments that de-risk big bets and uncover scalable paths to growth. Deliver tight positioning and GTM strategies for emerging growth opportunities, including new distribution models or bundles. What we’re looking for: 5+ years in product marketing, growth strategy, or a similarly strategic role—preferably in fintech or a high-growth tech environment. Proven ability to drive large, cross-functional projects forward in ambiguous, high-stakes environments. Exceptional communication and influence skills across all levels of an organization. Experience distilling complex competitive landscapes into clear, actionable strategies. A strong understanding of full-funnel marketing—across paid, lifecycle, and owned—and how to orchestrate them for business outcomes. A bias for action, high agency, and the ability to push things over the line. 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$130,800&mdash;$181,100 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Marketing Manager, 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; and Austin, Texas. 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 Talent Acquisition team builds inclusive, high performing teams by attracting and hiring top talent that drive Upstart’s success. As the Engineering Recruiting Manager at Upstart, you will lead a team of 8 full lifecycle recruiters focused on technical hiring. You’ll own the strategy and execution of engineering recruiting initiatives across all technical functions, partnering closely with senior engineering leaders to understand business needs and scale effectively. You’ll be the kind of manager your team aspires to become—an exceptional recruiter yourself who leads from the front, models recruiting excellence, and invests deeply in building top-notch recruiters in return. How you’ll make an impact: Lead, coach, and inspire a team of full lifecycle recruiters focused on technical hiring across a range of engineering roles and levels Own the strategy, roadmap, and execution of Upstart’s engineering recruiting efforts, ensuring alignment with broader company objectives Serve as a hands-on recruiting expert, setting a high bar through direct engagement with key searches and demonstrating best-in-class recruiting practices Act as a trusted partner to engineering and product leaders by offering strategic insights, talent market expertise, and regular updates on pipeline health Build scalable and effective recruiting processes that enhance candidate experience and drive quality, speed, and efficiency Drive adoption and optimization of recruiting tools and systems, including applicant tracking systems and data reporting frameworks What we’re looking for:&nbsp; Minimum requirements: 7+ years of experience in talent acquisition or recruiting, including proven success building and managing recruiting teams Strong track record as a full lifecycle technical recruiter, with expertise across various engineering disciplines Demonstrated ability to align recruiting strategy with business goals and lead teams through ambiguity and change Skilled in stakeholder management and confident engaging with senior technical leaders Familiarity with applicant tracking systems and other modern talent acquisition tools Preferred qualifications: Experience supporting a mix of volume hiring and hard-to-fill technical roles Strategic mindset with the ability to balance short-term hiring needs with long-term team-building goals Deep commitment to recruiter development and performance coaching Comfort working in a high-growth, fast-paced environment with evolving priorities. &nbsp; Position Location - This role is available in the following locations: Remote, San Mateo, CA, and Columbus, OH 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; the Talent Acquisition team meets quarterly for 2-3 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$135,000&mdash;$186,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

Recruiting Manager, Engineering

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; and Austin, Texas. 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: At Upstart, our mission is to expand access to credit using advanced machine learning models that better evaluate true risk. As part of this, our teams focus on developing models across various verticals, including Growth marketing, Auto Loans, and Personal Loans Underwriting. These teams are critical to the success of Upstart, directly impacting our customer acquisition efforts and revenue generation through predictive modeling, innovative algorithms, and cross-functional collaboration. Our Machine Learning (ML) Teams work on creating and deploying production models that power key aspects of Upstart’s business: Growth: Models that predict conversion probabilities and prioritize high-potential prospects for outbound marketing. Auto Loans: Models that underwrite all auto loans, assessing true borrower risk based on innovative features and methodologies. Personal Loan Underwriting: Models that evaluate every applicant’s risk, having a direct impact on Upstart’s core business. As a Research Scientist, you will have the opportunity to work in one of these highly specialized teams, contributing to the development and deployment of business-critical models, optimizing marketing strategies, underwriting processes, and enhancing business metrics. The Role: Research and develop new machine learning models to enhance the accuracy of predictions in borrower risk, marketing conversions, or underwriting processes. Design, prototype, and deploy models to production, ensuring robust and scalable implementations. Collaborate cross-functionally with engineers, product managers, and marketing specialists to experiment with and optimize models for business outcomes. Evaluate the performance of models, interpret their impact on business metrics, and present actionable insights to stakeholders. Continuously explore novel algorithms and methodologies to keep Upstart’s ML systems at the cutting edge of technology. Mentor junior team members and contribute to the development of a high-quality, production-ready codebase. Minimum Qualifications: Bachelor’s degree in a scientific or quantitative discipline (e.g., Math, Physics, Computer Science, Statistics, Economics, Operations Research). 2+ years of experience in Machine Learning or a similar field. Proficiency in Python or other programming languages. Strong understanding of statistical, probability, and machine learning theory. Full-stack expertise in the modeling process from ideation to production, OR deep expertise in either statistical modeling or machine learning. Ability to break down complex tasks into smaller steps and make the right tradeoffs to deliver projects on time. Ability to communicate technical concepts effectively to non-technical stakeholders. Strong sense of intellectual curiosity, humility, and teamwork. Preferred Qualifications: Master’s degree or PhD in a quantitative discipline (e.g., Math, Physics, Economics, Computer Science, Statistics, Operations Research). Deep expertise in Python and experience with machine learning frameworks. Experience leading or mentoring junior members in a technical team. Proficiency in building and deploying machine learning pipelines and engineering architecture. Strong critical thinking skills and ability to develop testable hypotheses. Proven ability to meet high standards in terms of quality and velocity with minimal direction. What you’ll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage Personal Development and Technology &amp; Ergonomic Budgets&nbsp; Life insurance and disability benefits&nbsp; Clubs and Activities&nbsp; (Game Nights, Fitstarters, Superwomen, Book Club, Investing Club, Money Discussions, Photography Club and Basketball teams)&nbsp; Generous vacation policy 401(k) and Employee Stock Purchase Plan (ESPP) Catered lunches + snacks &amp; drinks Position Location: This role is available in remote locations across the United States. Team collaboration happens through a mix of remote and in-person sessions, with regular on-site meetings happening 1-2 times per quarter. &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$123,200&mdash;$170,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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

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; and Austin, Texas. 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 Analytics team at Upstart is at the forefront of AI/ML-driven credit lending across the organization. Our team employs analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on forecasting and oversights, to inform business decisions across market cycles,&nbsp; emerging trends, risk and return trade-offs, among others. We also take pride in developing our business intelligence tools to empower self-service insight discovery and reporting automation. As a Senior Analyst at Upstart, you will join our Credit Analytics horizontal team, focusing on the risk capital program performance. You will support workstreams in driving critical insights and decisions concerning credit performance and strategies, and contributing to the long term development in underwriting framework and analytics infrastructure.The credit forecast pillar manages asset valuation and forecasting pipelines, ensuring continuous feedback loop with product and business roadmaps. You will be collaborating closely with other Data Analytics, Machine Learning, and Product teams, you will spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending. How you’ll make an impact Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving consensus in the state of Upstart platform Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s machine learning model, credit, and valuation Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions Build foundational forecast models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community Collaborate with the analyst community on best practices and foster a center of excellence on data, credit, and analytics &nbsp; Minimum Qualifications&nbsp; 3+ years in professional experience with demonstrated growth in technology and financial industry Experience in credit analytics, valuation, and/or quantitative financial model development with Python, R, &amp; SQL&nbsp; Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, &amp; Redshift Degree in Economics, Statistics, Engineering, Data Science or other quantitative field &nbsp; Preferred Qualifications Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products Experience in coaching and mentoring junior team members on technical subjects &nbsp; Position location This role is available in the following locations: Remote&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; 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$128,900&mdash;$178,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Analyst, Credit Analytics

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; and Austin, Texas. 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 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) 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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 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; and Austin, Texas. 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 Auto Analytics team is central to data-driven decision-making for both our Auto Refinance and Auto Retail Lending (new-purchase) businesses. As Senior Analytics Manager, you will lead and develop a high-performing team, building scalable analytical frameworks and capabilities that unlock insights and accelerate growth across our auto-lending portfolio. &nbsp; Position Location - This role is available in the following locations: Remote, USA; San Mateo, CA; 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; How you’ll make an impact: Lead and elevate the Auto Analytics team—set a clear vision, recruit top talent, and continually enhance the team’s technical foundations. Own end-to-end analytics for Auto Refinance and Auto Retail Lending, championing best-in-class practices and data-driven decisions across growth &amp; sales, product, pricing, market opportunity assessments, business-intelligence development, and more. Act as a pivotal cross-functional leader, partnering closely with Auto business, Product, Engineering, ML, Finance, Analytics Engineering, and peer analytics teams to turn insights into tangible business impact. &nbsp; What we’re looking for:&nbsp; Minimum requirements: Strong analytical and quantitative background with 10+ years of professional experience, including 5+ years leading, developing, and scaling high-performing analytics or data science teams. Degree in Analytics, Data Science, Economics, Engineering, Mathematics, or another quantitative field. Proven leadership experience in both technical and business domains within data science, analytics, or finance. Exceptional communication skills, with a track record of deriving actionable insights&nbsp; and driving decision makings from complex analyses and balancing rigorous, methodical problem-solving with creative, unstructured approaches. Preferred qualifications: Experience in technology, fintech businesses, or financial services. Auto / consumer lending experience not required but preferred.&nbsp; Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and analytics frameworks to successfully influence and drive C-level decision-making. Proven ability to mentor and coach teams on technical subjects. &nbsp; What you’ll love : Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 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; 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-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$182,300&mdash;$252,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Manager, 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; and Austin, Texas. 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 Credit &amp; Investor Analytics&nbsp; team is at the forefront of AI/ML-driven credit lending across the organization. Our team employs advanced analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on loan performance and forecasting, while the Investor Analytics team plays a pivotal role in securing capital—a critical function that powers our business. As a Senior Analytics Manager, Technical Lead at Upstart, you will join our Credit &amp; Investor Analytics horizontal team. You’ll take a leadership stance in designing and developing analytics tools, data infrastructure, and analytical frameworks that support insights and decisions concerning credit performance and strategies. You’ll collaborate closely with other Data Analytics, Machine Learning, and Product, and Engineering teams, to spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending. How you’ll make an impact Lead the development of data-driven analytics solutions for credit risk, portfolio performance, and investor reporting Oversee the architecture and development of our data infrastructure, analytics tools, and automated solutions Collaborate with analysts, data scientists, engineers, and business stakeholders to drive data initiatives Ensure data integrity, scalability, and compliance with regulatory and investor requirements Mentor and guide a team of analysts and engineers, fostering a culture of innovation and excellence Minimum Qualifications&nbsp; 7+ years in data science or engineering, with at least 3 years in a leadership role Strong SQL and either Python or R skills; experience with data visualization tools (e.g., Mode, Tableau, Looker, Power BI) Proficiency in working with large datasets, ETL processes, and cloud data platforms (e.g., Databricks, DBT, Airflow) Deep understanding of credit risk modeling, underwriting, and portfolio performance analysis Strong ability to mentor teams and drive strategic initiatives Degree in Economics, Statistics, Engineering, Data Science or other quantitative fields Preferred Qualifications Experience with structured finance, securitization, or investor reporting Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products &nbsp; Position location This role is available in the following locations: Remote Time zone requirements The team operates on the West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you’ll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage Personal Development and Technology &amp; Ergonomic Budgets&nbsp; Life insurance and disability benefits&nbsp; Clubs and Activities&nbsp; (Game Nights, Fitstarters, Superwomen, Book Club, Investing Club, Money Discussions, Photography Club and Basketball teams)&nbsp; Generous vacation policy 401(k) and Employee Stock Purchase Plan (ESPP) Catered lunches + snacks &amp; drinks #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$182,300&mdash;$252,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Manager, Technical Lead

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; and Austin, Texas. 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 At Upstart, we’re revolutionizing the collections industry by prioritizing empathy, results, and rewarding success. As a Senior Collections Agent, you’ll be at the forefront of helping borrowers overcome financial challenges while achieving outstanding performance outcomes. This role is perfect for individuals who excel in negotiation, compassionate communication, and driving measurable results in a fast-paced, performance-driven environment. &nbsp; Position Location - This role is available in the following locations: Remote. Time Zone Requirements - This team operates on the East 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 will be required to attend in-person collaboration sessions on-site at one of our offices. 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: Empower Borrowers: Leverage your expertise in collections to offer personalized solutions to help borrowers bring their accounts current through effective negotiation, empathy, and a deep understanding of payment plans and delinquency management. Deliver Results: Excel in collections performance by exceeding KPIs, such as dollars collected per productive hour and promise-to-pay (PTP) commitments kept within 7 days of Right Party Contact (RPC). Drive Innovation: Contribute to improving collections practices by participating in initiatives to enhance borrower support, process efficiency, and program outcomes. What Success Looks Like As a Senior Collections Agent, your success will be measured by your ability to consistently deliver exceptional results through high-level execution of key metrics Dollars Collected per Productive Hour: Maximize recovery efforts by driving efficiency in every interaction. Promise-to-Pay Commitments: Secure and uphold meaningful borrower commitments, ensuring Promise to pay agreements are fulfilled within 7 days of RPCs by negotiating effectively and efficiently. Key Attributes for Success: A results-driven mindset, turning every borrower interaction into an opportunity to achieve impactful outcomes. Strong negotiation skills and the ability to build trust with borrowers quickly, using proven techniques that drive positive payment resolutions.&nbsp; Effective time management to balance high call volumes with personalized and strategic borrower support. What we’re looking for:&nbsp; Minimum qualifications: At least 2 years in a collections role at a Financial Institution with proven success meeting performance goals. Demonstrated ability to effectively engage borrowers, secure agreements, and handle challenging conversations with professionalism and empathy. Familiarity with FDCPA, TCPA, and other relevant collections laws and best practices. Proven ability to thrive in a results-oriented environment with experience improving key performance metrics (KPIs). Preferred qualifications: 3+ years of full-time employment experience successfully recovering high-risk or delinquent accounts, including managing hardship programs, settlements, and tailored borrower solutions. Experience in&nbsp;Auto Collections is a plus. Demonstrated ability to negotiate and finalize settlements, ensuring optimal recovery rates while adhering to company policies and regulatory guidelines. Proven ability to secure high-value agreements while maintaining positive borrower relationships and consistently meeting or exceeding PTP and collection goals. Deep understanding of collections laws and compliance standards, including FDCPA, TCPA, and state-specific regulations. Skilled at analyzing performance metrics, optimizing productivity, and excelling in a results-oriented environment. Skilled in de-escalating challenging conversations, building trust, and presenting effective payment plans under pressure. &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 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; &nbsp; #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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Collections Specialist

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; and Austin, Texas. 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; At Upstart, we’re revolutionizing the auto collections industry by prioritizing empathy, results, and rewarding success. As a Senior Collections Agent on the Auto Collections team, you’ll be at the forefront of helping borrowers overcome financial challenges while achieving outstanding performance outcomes. This role is perfect for individuals who excel in negotiation, compassionate communication, and driving measurable results in a fast-paced, performance-driven environment. &nbsp; How you’ll make an impact Empower Borrowers: Leverage your expertise in collections to offer personalized solutions to help borrowers bring their accounts current through effective negotiation, empathy, and a deep understanding of payment plans and delinquency management. Deliver Results: Excel in collections performance by exceeding KPIs, such as dollars collected per productive hour and promise-to-pay (PTP) commitments kept within 7 days of Right Party Contact (RPC). Drive Innovation: Contribute to improving collections practices by participating in initiatives to enhance borrower support, process efficiency, and program outcomes. What Success Looks Like As a Senior Collections Agent, your success will be measured by your ability to consistently deliver exceptional results through high-level execution of key metrics: Dollars Collected per Productive Hour: Maximize recovery efforts by driving efficiency in every interaction. Promise-to-Pay Commitments: Secure and uphold meaningful borrower commitments, ensuring&nbsp; Promise to pay&nbsp; agreements are fulfilled within 7 days of RPCs by negotiating effectively and efficiently. Key Attributes for Success: A results-driven mindset, turning every borrower interaction into an opportunity to achieve impactful outcomes. Strong negotiation skills and the ability to build trust with borrowers quickly, using proven techniques that drive positive payment resolutions.&nbsp; Effective time management to balance high call volumes with personalized and strategic borrower support. Minimum Qualifications&nbsp; At least 2 years in a collections role at a Financial Institution with proven success meeting performance goals. Demonstrated ability to effectively engage borrowers, secure agreements, and handle challenging conversations with professionalism and empathy. Familiarity with FDCPA, TCPA, and other relevant collections laws and best practices. Proven ability to thrive in a results-oriented environment with experience improving key performance metrics (KPIs). &nbsp; Preferred Qualifications 3+ years of full-time employment experience successfully recovering high-risk or delinquent accounts, including managing hardship programs, settlements, and tailored borrower solutions. Experience in Auto Collections is a plus. Demonstrated ability to negotiate and finalize settlements, ensuring optimal recovery rates while adhering to company policies and regulatory guidelines. Proven ability to secure high-value agreements while maintaining positive borrower relationships and consistently meeting or exceeding PTP and collection goals. Deep understanding of collections laws and compliance standards, including FDCPA, TCPA, and state-specific regulations. Skilled at analyzing performance metrics, optimizing productivity, and excelling in a results-oriented environment. Skilled in de-escalating challenging conversations, building trust, and presenting effective payment plans under pressure. &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, OH office 3 days per month. 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 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-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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Collections Specialist, 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; and Austin, Texas. 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 Operations team is the fastest growing&nbsp; team in the org and we're seeking Senior Credit Analysts to support our Onboarding organization.&nbsp; In this flexible role, you will support the operations of one or more of our core business verticals based on the needs of our business.&nbsp; We're seeking Senior Credit Analysts to join us on the ground level. Our Senior Credit Analysts will be an integral part of our Ops organization.&nbsp; The role requires excellent communication skills, strong analytical and problem-solving abilities and a passion for high-quality customer service. Position Location -&nbsp; This role is available in the following locations: Columbus, Ohio (60 mile radius). This role follows a hybrid schedule, with two on-site days each week at our Easton, OH office. Schedule requirement -&nbsp;This role is aligned to the&nbsp;Tuesday - Saturday 9-5:30pm ET shift. The first weeks will be training (M-F 9-5:30pm) and following you will begin working the assigned shift time.&nbsp; Time Zone Requirements - This 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: As a Senior Credit Analyst you will be responsible for managing workflows and tasks, ensuring that a loan application makes its way through our process smoothly and accurately. Deliver an outstanding customer experience by representing Upstart when working with potential borrowers as part of the verification process.&nbsp; Serve as a resource for customer issues, complaints, application information verification, and other complex tasks. Identify possible areas of process and workflow improvements, contribute to the development and implementation of solutions. Act as a utility player, supporting both pre- and post-origination efforts What we’re looking for:&nbsp; Minimum qualifications: 1+ years of experience in loan processing or loan officer roles at a Financial Institution or Mortgage company directly supporting customers Proven experience handling difficult or complex customer communications both verbally and in writing, including the ability to generate succinct timelines and escalation details Experience reviewing various tax forms and schedules, financial statements, credit reports, and general lending concepts Familiarity with the processes involved in taking out a personal loan High School Diploma or GED Preferred qualifications: Familiarity with Fraud and BSA/AML practices and procedures Ability to think critically, propose creative solutions, and flag inconsistencies in documentation Experience working with loan origination systems (LOS) like Vesta or Encompass&nbsp; Strong organizational and time management skills, able to prioritize tasks effectively in a fast-paced environment Passion for delivering a great customer experience Ability to demonstrate patience alongside efficiency; can triage and prioritize questions or issues, take ownership, and drive problems to resolution Very strong attention to detail, with an understanding that small mistakes can have a large impact Proven ability to handle complex or unusual loan scenarios and work closely with underwriters to find solutions &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-Entry&nbsp; &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$25.48&mdash;$25.48 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Personal Loans

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; and Austin, Texas. 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 Customer Contact Specialist at Upstart, you will be a part of a team of multi-skilled specialists that will be able to respond to borrower inquiries via phone, email and other modalities of communication as our capabilities expand.&nbsp;&nbsp; You will answer a wide range of inquiries from regulatory requests and general inquiries, up to more complex application related questions but your primary focus will be handling escalation inquiries to resolutions that come from our frontline service team(s) How you’ll make an impact Act as elevated level of escalation for Upstart’s customers pre-origination primarily on the phone. Assess complex situations, considering regulations and compliance expectations to determine if/when complaints should be filed. Act as a subject matter expert by answering questions from our vendor support teams via slack. This position may also contribute to developing scripting and email templates as processes and procedures change. Ensure all escalations are researched and responded to within established SLAs. Based on incoming volumes and launching of new systems, this role must also be able to respond to incoming emails and phone calls. This role requires a subject matter expert with the ability to quickly pivot between different contact channels. As strategy and expectations change future scope could include tier one escalations support and live chatbot work. Minimum Qualifications&nbsp; 1+ years of experience in customer service, phone support, loan processing or similar at a Fintech or Financial Institution. 1+ years of experience handling complex or escalated customer inquiries. Demonstrated expertise in time management, effectively prioritizing and balancing competing tasks to meet tight deadlines. Passion for delivering a great customer experience. Ability to interpret written policy and procedures and apply to the present situation. Strong written and verbal communication skills and the ability to address applicants in an objective yet empathetic manner. 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. &nbsp; Preferred Qualifications Financial services industry experience. Exemplary written and verbal communication skills. Proven ability to de-escalate customer interactions Ability to communicate complex topics and processes in a clear yet concise manner Subject matter expertise of loan processing procedures and fielding to regulatory inquiries Previous experience providing service for multiple product lines BA/ BS degree, Associates degree, or equivalent work experience. Position location - This role is available in the following locations: Columbus, Ohio&nbsp;(must be within a 60 mile radius).&nbsp; 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, Ohio office 2 days per week.&nbsp; &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 #LI-Entry 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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 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; and Austin, Texas. 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 a Database Engineer on the Database Engineering team, you will own the&nbsp;tooling, maintenance and performance optimizations of our production database systems&nbsp;built on Postgres technology. The Database Engineering team is responsible for all of the AWS RDS&nbsp;infrastructure which powers our loans. You will lead by developing tools and processes&nbsp; You’ll have wide latitude in technology options to help us choose the right technology for our evolving data&nbsp;workflows. Position Location -&nbsp;This role is available in the following locations: Remote, San Mateo, Columbus&nbsp; Time Zone Requirements - 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. 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. How you’ll make an impact: Improving query patterns and dataflows in the operational layer Building out tools to reduce the teams workload Providing guidance to vertical squads on database&nbsp; best practices What we’re looking for:&nbsp; Database Expertise 5-10 years of experience in a Database Engineer/DBA role Advanced knowledge of Postgres extensions and performance optimization techniques.&nbsp; Experience optimizing sql queries and techniques for improving data workflows Familiarity with Postgres scalability solutions and can use this knowledge to guide designs Advanced knowledge of Postgres Replication solutions Proficiency with database normalization Cloud and Operations experience Proficiency in Python or other language for database automation and tooling development Knowledge of fundamental AWS building blocks (EC2, EBS, S3, RDS, IAM, VPC) Have relevant technical skills (scripting, SQL, Unix command line tools) Experience with RDS and monitoring tools such as Datadog &nbsp;Communication &amp; Collaboration Excellent written and verbal communication skills with ability to present complex technical information clearly Experience mentoring development teams and conducting technical training on database design standards and query best practice Proven ability to work in agile environments and collaborate with cross-functional teams Experience with OnCall and the ability to think on your feet Preferred Qualification Experience with Clickhouse and DataDog DBM Note: Candidates who may not yet meet all listed qualifications are still encouraged to apply, as there will be ample opportunity to develop and strengthen these skills on the job &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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Database 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; and Austin, Texas. 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 Data Platform Engineering team (Part of Upstart's core platform vertical) provides developer tools, frameworks, and scalable data infrastructure as shared services across Upstart. The team's primary objective is to provide Data Analysts, Software Engineers, and ML scientists access to high-quality data and developer tools to create business metrics for respective product verticals.&nbsp; You will join the subdivision of our Data Platform teams focusing on Data Quality, Governance, and Production Experience (Data Infrastructure).&nbsp; As a Senior Data Platform Engineer at Upstart, you will get the opportunity to contribute to 3 areas: Expand the existing developer tools to support Upstart's various data validation &amp; quality checks by integrating with open-source, 3rd party, and custom data quality solutions. Build a framework to capture Data Lineage and location of critical fields and integrate with Upstart's data catalog solution that informs various data handling rules. Improve data infrastructure uptime and observability. We would love to hear from you if you are passionate about building data products! &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 periodic on-site collaboration sessions 2-3 times per year.&nbsp;Upstart will cover all travel related expenses. &nbsp; How you’ll make an impact: Participate in planning and prioritization by collaborating with stakeholders across the various product verticals and functions (ML, Analytics, Finance, Legal, Privacy, Security) to ensure our architecture aligns with the overall business objectives. Collaborate with Data Governance and Security teams to implement robust privacy requests, data protection mechanisms, access controls, and data lineage. Participate in code reviews and architecture discussions to exchange actionable feedback with peers.&nbsp; Contribute to engineering best practices and mentor junior team members.&nbsp; Help break down complex projects and requirements into sprints. Continuously monitor and improve data platform performance, reliability, and security. Stay up-to-date with emerging technologies and industry best practices in data engineering. Design and ship code independently &nbsp; What we’re looking for:&nbsp; Minimum requirements: A bachelor's degree in Computer Science, Data Science, Engineering, or a related field. 5+ years of experience in data engineering or related fields, with a strong focus on data quality, governance, and data infrastructure. Proficiency in data engineering tech stack; Databricks / PostgreSQL / Python / Spark / Kafka / SQL / AWS / Airflow/ DBT / containers and orchestration (Docker, Kubernetes) and others. Ability to approach problems with first principles thinking, embrace ambiguity, and enjoy collaborative work on complex solutions. Preferred qualifications: Strong foundation in algorithms and data structures and their real-world use cases. Experience and understanding of distributed systems, data architecture design, and big data technologies (e.g., Spark, Kafka, Lakehouse, Databricks). Experience with AWS technologies ( e.g.,&nbsp; AWS Lambda, Redshift, RDS, S3, etc.). Knowledge of data quality management, data governance, and data security best practices. Good knowledge of DevOps engineering using Continuous Integration/Delivery tools like Kubernetes, Jenkins, Terraform, etc., thinking about automation, alerting, monitoring, security, and other declarative infrastructure. Ability to explain complex concepts in easy-to-understand ways and navigate environments where problems are not well-defined (and evolve quickly). &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&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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 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; and Austin, Texas. 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; At Upstart, our mission is to expand access to credit using advanced machine learning models that better evaluate true risk. Our Machine Learning team researches and productionizes all of Upstart’s core predictive models. If data is the new oil, then you’ll be responsible for the refining process that creates the most premium fuel possible. You’ll work in an environment where actionable insights from data are valued and needed, so you’ll be able to see your analysis turn into measurable results for our company and our borrowers. As a Data Scientist, you'll leverage technical and business acumen to become an expert in our models and how the models interact with the business. Identify potential problems or opportunities for improvement, communicate these issues to the team, stakeholders and suggest solutions. This involves self-directed investigation into our business and its data, designing and preparing regular reports, as well as conducting ad hoc analyses for the Machine Learning team, company leadership, and external business partners. Collaborating with ML scientists, engineers, product managers, and growth marketers, your work will drive data-informed decisions and measurable business impact. How you’ll make an impact Build and refine metrics for model performance and help understand uncertainty around model performance. Conduct in-depth data analyses to uncover growth opportunities and inform pricing strategy.. Collaborate with engineers and analysts to build scalable data pipelines that enable efficient data access. Partner with cross-functional teams (ML scientists, engineers, product managers, and growth marketers) to align on priorities and drive measurable business impact. Develop dashboards and reporting tools to monitor key metrics and track performance. Minimum Qualifications&nbsp; Advanced degree in Statistics, Mathematics, Economics, Finance, or a related quantitative field. 2+ years of experience in data science, analytics, or related fields. Strong understanding of statistical, probability, and machine learning theory. Strong proficiency in SQL for querying and analyzing large datasets. Experience with Python and data analysis libraries. Proven ability to translate complex data insights into business impact and strategic recommendations. Preferred Qualifications Strong critical thinking skills and ability to translate general problem statements into actionable solutions. Knowledge of statistical methods for measuring uncertainty (e.g., Bayes, Frequentist approaches). Experience collaborating with cross-functional teams including ML scientists, engineers, and product partners. Experience in building visualizations and maintaining Dashboards (Plotly or Matplotlib) to track model performance Serving as an expert in the areas of experimental testing, Causal Inference, A/B testing or Hypothesis testing&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 onsite. 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-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$149,800&mdash;$207,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Scientist

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; and Austin, Texas. 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!&nbsp; The Team Upstart’s&nbsp;Auto Retail Dealer Success&nbsp;team is&nbsp;the voice of the dealer—bringing their feedback straight to our product teams and shaping what we build next. We're not just managing relationships—we’re building trusted partnerships that help dealerships grow while delivering game-changing financing experiences for car buyers.&nbsp; As the&nbsp;Senior Dealer Success Manager, you’ll be the go-to expert for dealers in your market. You’ll drive growth, onboard new partners, and serve as the ultimate product ambassador. You’ll be responsible for driving retail growth by delivering retail contracts that meet borrower’s needs and fuel dealer success. You’ll be part consultant, part strategist, and part relationship-builder—all rolled into one&nbsp; Position Location: Based in Atlanta, GA and regular in-market travel across the Southeast region.&nbsp; Time zone requirements&nbsp;The team operates on the East Coast time zone Travel requirements:&nbsp;This role require frequent travel.&nbsp; Up to 50% of time will be spent in-market visiting prospect and clients in-person across the Southeast region, specifically Georgia, South Carolina, North Carolina, Alabama, and Tennessee.&nbsp; How you’ll make an impact: Build and grow your market by meeting with dealership partners (both in-person and virtually) Promote the Upstart Auto Finance program and make it easy for dealers to fall in love with it Lead smooth, hands-on onboarding and deliver engaging training sessions Be your dealers’ trusted advisor—solving problems, answering questions, and unlocking value Partner with cross-functional teams to get dealers what they need, fast Keep up-to-date, clean records of your dealer interactions in our customer success platform Stay sharp on our product, competitive landscape, and market trends Bring the voice of the dealer to our product and engineering teams—be the feedback loop! Continuously seek out process improvements that drive better experiences for dealers and car buyers What we’re looking for:&nbsp; Minimum requirements: Have&nbsp;3-5+ years of experience&nbsp;in Dealer Relationship Manager for an indirect auto finance lender and a proven track record working with dealers Know the ins and outs of&nbsp;auto financing, F&amp;I, and the&nbsp;indirect lending&nbsp;ecosystem Exceptional communicator who can build instant rapport and lasting trust Love solving problems and thinking a few steps ahead Tech-savvy and can pick up new tools fast (Salesforce, iPads, data dashboards, etc.) Organized, self-motivated, and comfortable working independently Can analyze data and clearly communicate trends, insights, and actions Naturally curious and constantly learning from customers and market shifts Thrive in fast-paced, startup-style environments and know how to roll with change Preferred qualifications: Experience in a&nbsp;startup&nbsp;or&nbsp;SaaS&nbsp;company Experience in a&nbsp;dealer-facing role&nbsp;at an auto fintech Bachelor’s degree in&nbsp;Sales, Communications, or a related field 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$99,800&mdash;$138,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Dealer Success Manager (Southeast)

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; and Austin, Texas. 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 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 Engineering Manager 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: Team Leadership Lead, coach, and develop a high-performing engineering team focused on providing high quality solutions. Foster a collaborative and inclusive team culture that promotes innovation, continuous learning, and excellence. Technical Leadership Oversee the design, development, and implementation of cross functional projects which drive business outcomes. Ensure the reliability, performance, and scalability of customer facing products, leveraging best practices in software engineering. Collaborate with architecture and infrastructure teams to ensure alignment with broader engineering goals. Stakeholder Collaboration Partner with product manager, product designer, engineering leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards. Communicate effectively with stakeholders to keep them informed of project status, risks, and opportunities. Project Management Manage project timelines and resources to deliver high-quality product solutions on time. Implement frameworks to ensure efficient project execution and continuous delivery. What we’re looking for:&nbsp; Minimum Qualifications: Education &amp; Experience 8+ years of experience developing and maintaining large scale distributed systems in the cloud&nbsp; 2+ years of management experience Experience working in dynamic fast paced organizations Technical Skills Strong proficiency in any programming language Experience with delivering full stack&nbsp; solutions to customers Familiarity with cloud platforms (AWS, Azure, or Google Cloud) and microservices architecture Leadership Skills Excellent leadership and people management skills, with a track record of building and leading successful engineering teams Strong problem-solving skills and the ability to make data-driven decisions Exceptional communication and interpersonal skills, with the ability to engage effectively with technical and non-technical stakeholders 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 Other Requirements Experience with agile development methodologies and project management tools like Jira Ability to work in a fast-paced environment and manage multiple priorities simultaneously Commitment to continuous learning and staying updated with the latest industry trends Preferred Qualifications: Experience delivering FinTech products or products in another regulated industry 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 -&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; 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&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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Auto Refi + Auto Secured Personal Loans

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; and Austin, Texas. 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 a part of the Capital Platform team, you will play a critical role in onboarding and launching new lenders and investors in our Capital Marketplace. You’ll lead end-to-end implementation efforts—from initial setup and integrations to go-live and execution and beyond. This includes coordinating loan originations, managing loan sales post-origination, and providing accurate and timely reporting. How you’ll make an impact: Design and build scalable systems that automate core Capital Marketplace workflows, reducing manual effort and unlocking new levels of efficiency. Collaborate with finance, accounting, and data stakeholders to ensure timely access to accurate financial data used in capital planning and deal execution. Partner closely with engineering leadership to define the long-term vision and roadmap for reporting and analytics automation. Build tools and pipelines that surface real-time financial metrics, including loss forecasts and liquidity metrics, to internal decision-makers. Lay the groundwork for scalable, repeatable processes that improve both internal reporting and external disclosures. What we’re looking for:&nbsp; Minimum requirements: 3+ years of people and team management experience and 8+ years of experience in software engineering, with at least 3 years on product-focused engineering teams. Experience with cloud platforms (AWS, Azure, or Google Cloud) and microservices architecture. Exceptional communication and interpersonal skills, with the ability to engage effectively with technical and non-technical stakeholders.&nbsp; Preferred Requirements:&nbsp; Experience building financial tooling or working in capital markets, treasury, or fintech environments. Exposure to loan or asset-backed securitization systems, financial forecasting, or internal controls. Passion for empowering non-technical teams through data and tooling. 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 - 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 #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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, 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; and Austin, Texas. 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 a senior engineering manager on the Home Lending team, you’ll grow Upstart’s newest business: home equity line of credit (HELOC). We’re starting a new consumer-facing team to expand our customer base and improve our borrower experience.&nbsp; You’ll be responsible for hiring and building your own team, with room to grow to multiple teams by 2026. Why home loans? Millions of homeowners are locked into long-term low-interest mortgages and looking for a way to access their equity. By securing a loan against their house, we can lend them fast, affordable credit for remodels, big purchases, or paying off debt. This is a huge category of consumer credit, and it’s where we can make our biggest impact. Why us? The market has left behind millions of Americans with imperfect credit or difficult-to-document income. Serving these customers is our bread and butter, and it’s core to our mission. Because we use machine learning and automation to assess credit-worthiness, we can offer a faster experience at a better price. We want our team to reflect the people we’re serving. To serve customers at the fringes, we need people who think at the fringes—weird, quirky, out-of-the-box do-ers who reason from first principles and not from the status quo. We leave our ego at the door and crave being proven wrong. We're a high-empathy team, and we succeed as a team first, individuals second. How you’ll make an impact: Team leadership Lead, coach, and develop a high-performing engineering team focused on providing high quality solutions and incrementally enhance systems with each pull request. Foster a collaborative and inclusive team culture that promotes innovation, continuous learning, and excellence. Technical leadership Oversee the design, development, and implementation of cross functional projects which drive business outcomes. Ensure the reliability, performance, and scalability of customer facing products, leveraging best practices in software engineering. Collaborate with architecture and infrastructure teams to ensure alignment with broader engineering goals. Stakeholder communication Partner with general manager, product manager, product designer, engineering leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards. Communicate effectively with stakeholders to keep them informed of project status, risks, and opportunities. Project management Manage project timelines and resources to deliver high-quality product solutions on time. Implement frameworks to ensure efficient project execution and continuous delivery. What we’re looking for:&nbsp; Minimum requirements: Education and experience Bachelor’s degree in Computer Science, Engineering, or a related field. 8+ years of experience in software engineering, with at least 3 years on product-focused engineering teams. 3+ years of management experience. Technical skills Strong proficiency in any programming language. Experience with delivering full stack &nbsp;solutions to customers. Familiarity with cloud platforms (AWS, Azure, or Google Cloud) and microservices architecture. Leadership skills Excellent leadership and people management skills, with a track record of building and leading successful engineering teams. Strong problem-solving skills and the ability to make data-driven decisions. Exceptional communication and interpersonal skills, with the ability to engage effectively with technical and non-technical stakeholders. Other requirements Experience with agile development methodologies and project management tools like Jira. Ability to work in a fast-paced environment and manage multiple priorities simultaneously. Commitment to continuous learning and staying updated with the latest industry trends. 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. 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-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$180,600&mdash;$250,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Home Lending

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; and Austin, Texas. 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 Product-Led Growth (PLG) Team is dedicated to deepening relationships with our existing users by delivering personalized, timely, and relevant financial offers through our ecosystem. Our vision is to continuously underwrite users to keep them engaged throughout their journey and empower them to make the best financial decisions. We are a key lever to grow our product marketplace and are leveraging ML to craft experiences that build trust and unlock value. As a Senior Engineering Manager, you’ll lead the team focused on optimizing user engagement and growth through seamless offer presentation, intelligent targeting, and cross-sell strategies. From enhancing the logged-in dashboard to refining personalized experiences with pricing orchestration, your work will directly shape how users discover and benefit from Upstart’s expanding suite of financial products. &nbsp; How you’ll make an impact: Define and drive an engineering roadmap that enables intelligent, personalized offer presentation and strategic product recommendations Partner with Product Managers, Designers, ML Scientists, and Marketers to deliver impactful, user-facing features Lead, mentor, and grow a high-performing engineering team focused on building scalable, high-quality systems Leverage experimentation and analytics to iterate on user engagement strategies, enhancing lifetime value and customer satisfaction&nbsp; &nbsp; What we’re looking for:&nbsp; Minimum requirements: Bachelor’s degree in Computer Science, Engineering, or a related field 8+ years of software development experience, with at least 3 years in direct engineering management Demonstrated success leading product-oriented teams delivering user-facing features with measurable outcomes Strong communicator adept at translating complex technical topics to cross-functional audiences Preferred qualifications: Experience with growth engineering systems such as experimentation platforms, personalization engines, or recommendation algorithms Familiarity with marketplace-style product dynamics Full-stack development experience with an ability to contribute across the stack Proven ability to scale both technical systems and engineering organizations &nbsp; Position Location - 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; 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 #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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Product Led 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; and Austin, Texas. 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 Data Platform Engineering team (Part of Upstart's Decisioning &amp; Data) provides developer tools, frameworks, and scalable data infrastructure as shared services across Upstart. The team's primary objective is to provide Data Analysts, ML scientists, and Software Engineers access to high-quality data and developer tools to create business metrics and training data for respective product verticals.&nbsp; You will join the subdivision that focuses on data infrastructure &amp; observability.&nbsp; As the Senior Infrastructure Engineer joining this team, you will get the opportunity to contribute to 3 areas: Managing the Lakehouse (Databricks) infrastructure, including access control, security, and observability. Continuously enhance data infrastructure observability, with a focus on cost and usage efficiency within the data engineering space. Improve the build-test-deploy-monitor pattern for data apps and stack like Change Data Capture, Spark, Kafka, etc.&nbsp; We would love to hear from you if you are passionate about infrastructure and observability! Position Location - 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. How you’ll make an impact: Help build Upstart's cloud infrastructure that aligns with the overall business objectives by participating in planning and prioritization.&nbsp; Improve developer efficiency and infrastructure reliability by working with cross-functional stakeholders like Data Engineering, Machine Learning, Analytics, Compliance, and Security.&nbsp; Improve Lakehouse security, usage efficiency, and observability by collaborating closely with the Data Engineering and Security teams. Evangelize good coding and engineering best practices while uplifting fellow engineers and mentoring junior team members. Help break down complex projects and requirements into quarterly commitments and sprints. Provide top tier support for our data apps and keep them highly available What we’re looking for:&nbsp; Minimum requirements: A bachelor's degree in Computer Science or a related field. 5+ years of experience in infrastructure engineering, DevOps or related fields, with a strong focus on data infrastructure (bonus). Hands-on experience in AWS cloud services (EC2, SQS, S3, Lambda, EKS). Strong experience working with Python or similar scripting languages. Strong DevOps/SRE knowledge and expertise in multiple areas, including scripting, IaC, automation, configuration management, and containerization/container orchestration (Kubernetes). Ability to approach problems with first principles thinking, embrace ambiguity, and enjoy collaborative work on complex solutions.&nbsp; Hands-on experience with both open-source and enterprise application performance monitoring solutions. Preferred qualifications: Strong foundation in algorithms and data structures, with an emphasis on real-world applications. Proficient in DevOps engineering, leveraging Continuous Integration/Continuous Delivery (CI/CD) tools such as Kubernetes, Jenkins, CDK, APM, Terraform, and more. Experienced in automation, alerting, monitoring, security, and declarative infrastructure. Solid understanding of cloud networking fundamentals. Skilled at explaining complex concepts in simple, accessible terms and thriving in fast-paced, ambiguous environments. Familiarity with distributed systems, data architecture design, and big data technologies (e.g., Spark, Kafka, Lakehouse, Databricks) is a plus. 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 #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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Infrastructure 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; and Austin, Texas. 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 a Sr IT Engineer, you’ll play a critical role in architecting, implementing, and scaling our infrastructure; ensuring resilience, security, and optimal performance across all systems. This role requires a seasoned DevOps expert who excels in designing large-scale systems, automating complex workflows, and leading cross-functional projects that enhance the speed and efficiency of our IT development and deployment processes. You’ll work closely with teams across engineering, IT, and InfoSec to drive IT and Security outcomes using best practices and foster a culture of continuous improvement. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - This team has regular on-site collaboration sessions that occur a few days per quarter at various locations in the US. Upstart will cover all travel-related expenses for these meetups. How you’ll make an impact: Lead the design and implementation of scalable, highly available, and secure infrastructure to support IT technology tools like Okta, GSuite, Slack, Jamf, and Palo Alto Firewalls. Champion a culture of continuous improvement within IT, identifying opportunities for process optimization, automation, and enhanced security across all IT technology systems Drive infrastructure automation through Infrastructure as Code (IaC) using tools such as Terraform or Ansible, ensuring reliability, repeatability, and cost efficiency. Architect and lead comprehensive observability solutions and incident response that includes logging, tracing, and metrics collection to support IT Engineering and operations, enhancing troubleshooting and performance analysis. Collaborate with InfoSec to implement security best practices and drive compliance alignment across IT technologies, including role-based access control, automated compliance monitoring, and vulnerability management. Mentor and guide junior engineers in IT DevOps practices, promoting a collaborative culture focused on innovation, performance, and security. What we’re looking for:&nbsp; Minimum requirements: 5+ years of experience in DevOps or IT infrastructure engineering, with a proven record in architecting and managing complex, IT-centric systems. Experience leading large cross-team initiatives at companies that have gone through periods of rapid business or organizational growth Advanced skills in cloud infrastructure (preferably AWS) and Infrastructure as Code (IaC) tools such as Terraform, CloudFormation, or Ansible. Experience in building and managing CI/CD pipelines for automated deployments, security integrations, and compliance workflows. Strong scripting skills in languages like Python and Bash for automation and integration tasks. Preferred qualifications: Extensive experience designing and implementing scalable, resilient IT infrastructure with multiple integrations across cloud providers. Experience with large sunset of the following technologies Okta, Google workspace, Jamf, Slack enterprise grid, Workato, sumilogic&nbsp; Excellent problem solving skills and ability to work under pressure. Relevant certifications such as AWS Certified DevOps Engineer, Okta Certified Administrator, or security certifications (e.g., CISSP). 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$143,700&mdash;$198,700 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 IT 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; and Austin, Texas. 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 an Senior IT Identity and Access Engineer you will be responsible for designing, implementing, and maintaining identity and access solutions to ensure secure access to enterprise systems and data. This role requires a deep understanding of governance, authorization and authentication in the IAM space as well as hands-on experience with IAM principles, tools and technologies. How you’ll make an impact: Guided by Upstart’s strategic goals and trends in the IAM space, help shape and drive the department’s IAM roadmap. Design, implement, and support IAM systems including user provisioning, authentication, authorization, and access governance. Manage identity lifecycle processes (Joiner, Mover, Leaver) across various platforms and applications. Configure and maintain IAM tools and platforms (e.g., Okta, AWS, Salesforce, GSuite, Atlassian, Slack.). Integrate IAM solutions with cloud and on-premises applications. Monitor and troubleshoot access issues and anomalies; support incident response related to identity and access. Collaborate with IT, Information Security and Internal Audit teams to ensure alignment with security policies and regulatory requirements. Automate IAM processes to improve efficiency, Upstarters’ satisfaction and reduce errors. Automate access audit program (Access Review and Certifications, RBAC and application reviews). Manage urgent delivery of initiatives, making “every second count.” Maintain documentation related to IAM architecture, processes, and standards. Mentor other members of the IAM and IT team What we’re looking for:&nbsp; Minimum requirements: Bachelor's degree in Computer Science, Information Security, or related field, or equivalent experience. 6+ years of experience in IAM or related information security roles. Proficiency with IAM technologies such as Okta, AWS, Salesforce, GSuite, Atlassian, Slack, etc. Strong knowledge of SSO, MFA, and federation protocols (SAML, OAuth, OIDC). Experience with scripting or automation tools. Familiarity with regulatory compliance frameworks (SOX, SOC, etc.). Excellent problem-solving and communication skills. Ideal candidates will be proactive, accountable and will take full ownership of their initiatives. Experience with cloud platforms such as AWS. Preferred qualifications: IAM certifications (e.g., CIAM,CAMS, CISSP) Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 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 days per Quarter at the San Mateo 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$143,700&mdash;$198,700 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 IT Identity and Access 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; and Austin, Texas. 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 legal team is a key component of the company, helping Upstart innovate in the fintech space across multiple products and&nbsp;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 a Senior Legal Counsel at Upstart, you will lead support our capital markets team in day-to-day matters as they arise (including on asset-backed securitizations, warehouse financings, and investment funds). This role requires someone who is adaptable and can think outside of the box, with a broad knowledge of regulations, capital markets practices, and interest in negotiating increasingly complex debt deals and related agreements. How you’ll make an impact Work closely with our capital markets and finance teams Negotiate and draft debt financing structures, warehouses, and ABS deals Support other team members in addressing issues as they arise Provide legal and strategic guidance to assess and mitigate legal risk by building a deep understanding of the business and collaborating with legal colleagues and internal clients, including taking ownership of increasingly complex agreements within larger finance structures Minimum Qualifications J.D. degree with solid academic credentials and a state bar membership 7+ years of experience at a top-tier law firm, financial institution, or regulator with experience in structured finance deals Self-starter who thrives under limited direction and is excited by challenges Eager to develop expertise in new or unfamiliar areas of law Adaptability; willingness to be flexible and excited to work in a dynamic and fast-paced environment Preferred Qualifications Strong law firm training Well organized Broad knowledge of financial regulations and Position Location - This role is available in the following locations: Remote&nbsp; 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&nbsp;employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via&nbsp;regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter&nbsp;for 2-4 consecutive days at a time.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$171,400&mdash;$237,200 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 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; and Austin, Texas. 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 is looking for an attorney to join the Product &amp; Regulatory Legal team. As&nbsp;Senior Legal Counsel, Privacy, you will&nbsp;serve as subject matter expert on privacy, data governance, and cybersecurity legal issues across Upstart’s operations. Ideal job seekers should be team players, excellent communicators, and incredibly organized, and also have experience in providing legal guidance to businesses in the financial services industry. If you thrive in a fast-paced legal environment and are a great teammate, please apply! As a subject matter expert within Upstart, you will collaborate with teams across the entire company and within the Product &amp; Regulatory Legal team on the laws and regulations impacting Upstart’s consumer lending platform, bank partnership business lines, and future products.&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 travel for in-person collaboration in our company offices in San Mateo, CA, Austin, TX, and Columbus, OH.&nbsp; These in-person on-sites generally occur once per quarter for 2-4 consecutive days at a time, however the cadence varies by team and role. How you’ll make an impact: Serve as the lead lawyer advising the business on applicable laws and regulations such as the GLBA, CCPA, and other state and federal privacy laws, as well as emerging “Responsible AI” and privacy laws.&nbsp; Engage directly with Upstart’s product, operations, privacy, security, finance, legal and compliance teams regarding Upstart’s obligations under privacy and data security laws; perform legal research and provide memos as necessary. Research, analyze and provide recommendations regarding data use and data sharing abilities within applicable laws.&nbsp; Provide legal recommendations to senior leadership, business partners and the Compliance/Risk function on key issues and strategy driving this important part of our business.&nbsp; Assist in the drafting and finalization of privacy and security related policies and procedures including those relating to data retention and destruction.&nbsp; Escalate high risk or important issues to senior leadership within the Product &amp; Regulatory Legal team and senior management as appropriate.&nbsp; Use a first-principals approach to identify inefficiencies, reduce legal risk, and improve customer experiences. What we're looking for: J.D. degree with superior academic credentials and a state bar membership. Minimum of 5 years of experience in a top-tier law firm, in-house, and/or governmental agencies. Experience working for or with a fintech company, as well as handling privacy and/or data governance matters in consumer lending. In-depth knowledge of federal and state privacy and data security laws, including the GLBA, Regulation P, the FTC Financial Safeguard Rule and state laws across the country, as well as a foundational understanding of lending and consumer protection laws and regulations. Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice. A self-starter mentality with the ability to work well under pressure, excel working under limited direction, and an attitude that no job is too challenging or too small. Ability to provide solutions to a variety of issues of varied scope and complexity and to prioritize and balance multiple tasks in a fast-paced environment. 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$171,400&mdash;$237,200 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Privacy

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; and Austin, Texas. 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 Our Analytics Engineering team plays a critical role in Upstart's mission by transforming raw data into trustworthy, well-modeled, and scalable foundations that power decisions across the company. We’re seeking a Senior Manager to lead a team of Analytics Engineers who build and maintain the data infrastructure that fuels product innovation, operational excellence, and strategic insight. You’ll manage a team of high-performing engineers and be responsible for the technical direction, team growth, and impact of Analytics Engineering across multiple domains. You’ll partner closely with Data Analysts, Product Managers and Software Engineers to scale our data capabilities and ensure Upstart makes decisions grounded in high-quality, reliable data. &nbsp; How you’ll make an impact: Lead and Scale Team: Lead and grow a high-performing team of Analytics Engineers, guiding them across technical execution, career development, and impact delivery. Set Technical Vision: Define and execute a strategic roadmap for Analytics Engineering, shaping architecture and modeling patterns that support trusted, scalable data assets used across domains. Enable Product and Business Impact: Ensure delivery of high-quality data pipelines, models, and tools that improve operational efficiency, enhance decision-making, and support product growth. Foster Cross-Functional Partnerships: Collaborate with leaders in Analytics, Product, Engineering, Machine Learning and Finance to align on priorities, manage dependencies, and influence roadmaps. Uphold and Elevate Standards: Establish and enforce best practices in engineering, testing, documentation, observability, and stakeholder communication. Lead by example in code and technical reviews. &nbsp; What we’re looking for:&nbsp; Minimum requirements: 8+ years of experience in Data Engineering, Analytics Engineering, or Business Intelligence, with at least 3 years in people management. Strong technical background in SQL and dbt, with working knowledge of Airflow, cloud data warehouses (e.g., Databricks), and CI/CD practices. Experience designing data models, pipelines, and frameworks that support scalability and performance. Proven ability to lead project execution and drive outcomes across ambiguous, cross-functional environments. Excellent communication and stakeholder management skills. Track record of developing engineers, setting clear expectations, and calibrating performance against defined competencies. Preferred qualifications: Experience in high-growth, consumer-tech or fintech environments. Advanced degree in a quantitative or technical field (e.g., Computer Science, Math, Engineering). Strong intuition for business impact and the role data plays in accelerating outcomes. Familiarity with upstream/downstream systems (e.g., APIs, product telemetry, ML workflows) and how analytics fits into broader data ecosystems. &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; 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 #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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Analytics Engineering

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; and Austin, Texas. 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 Analytics team at Upstart is at the forefront of AI/ML-driven credit lending across the organization. Our team employs advanced analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on loan performance and forecasting, market cycles and emerging trends, risk and return trade-offs, among others. We also take pride in developing our business intelligence tools to empower self-service reporting and streamlining work processes through automation. As a Senior Manager at Upstart, you will join our Credit Analytics horizontal team. In this multi-disciplinary role, you will drive strategic workstreams spanning across valuation and credit oversight, shaping and hands-on scaling our analytics processes, credit performance frameworks, and post-origination forecasting methodologies. Collaborating across Data Analytics, Machine Learning, Product, and Finance teams, you will spearhead cross-functional initiatives that embed rigorous valuation models, forward-looking credit governance, and automated processes—empowering Upstart’s multi-product growth and reinforcing our market leadership in lending. How you’ll make an impact: Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving consensus in the state of Upstart platform Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s machine learning model, credit, and valuation Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions Develop foundational forecast pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community Mentor junior team members on best practices and foster a center of excellence on data, credit, and analytics Minimum Qualifications:&nbsp; 8+ years professional experience with demonstrated growth and leadership in technology and financial industry Experience in developing credit analytics, financial forecasting, and/or quantitative risk models with Python, R, &amp; SQL&nbsp; Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, &amp; Redshift Degree in Quantitative Finance/Economics, Statistics, Engineering, Data Science or other quantitative fields Preferred Qualifications:&nbsp; Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making Experience in SOX controlled reporting or regulatory reporting cycles&nbsp; Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products Experience in developing junior team members on technical subjects Position location - This role is available in the following locations: Remote Time zone requirements - The team operates on the West coast time zones. Travel requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Credit Analytics

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; and Austin, Texas. 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 Investor Services team is responsible for managing relationships with institutional capital investors, ensuring they have the necessary support, data, and insights to confidently invest in Upstart’s loan products. The team plays a crucial role in ensuring a seamless connection between Upstart’s borrower marketplace and the investors who provide the capital that fuels lending. As the Senior Manager, Investor Services, you will lead efforts to strengthen investor relationships, manage loan portfolio performance discussions, and collaborate cross-functionally to provide investors with the insights they need to make informed investment decisions. &nbsp; Position Location - This role is available in the following locations: Remote 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: Build and maintain strong relationships with institutional capital investors, serving as their primary point of contact. Provide detailed reporting and analysis on loan portfolio performance, proactively addressing investor concerns and questions. Lead investor meetings, quarterly business reviews, and discussions on market trends, credit performance, and investment opportunities. Work cross-functionally with risk, data, and finance teams to ensure investors receive accurate, timely, and insightful data. Drive initiatives to enhance investor experience, including improving communication, reporting, and service levels. Handle complex investor inquiries and problem-solve challenging situations in a thoughtful, professional manner. Ensure compliance with investor agreements and contribute to strategic initiatives aimed at expanding and optimizing capital sources.&nbsp; &nbsp; What we’re looking for:&nbsp; Minimum qualifications: 7+ years of experience in investor relations, capital markets, or fixed-income asset management, ideally with a focus on institutional investors. Strong client service experience, with direct exposure to institutional investors. Excellent communication skills, with the ability to distill complex financial data into clear, actionable insights. Deep knowledge of capital markets and fixed income, with experience discussing investment strategies, risk, and loan performance. Proven ability to manage multiple priorities, collaborate cross-functionally, and execute in a fast-paced environment. Preferred qualifications: Background in investment management, investment banking or related field within financial services / fintech. Capital markets deal experience, especially in structured finance / consumer asset-backed securities.&nbsp; Proven ability to collaborate with engineering teams to drive process improvements. Knowledge of unsecured consumer lending is a plus. BA/BS degree in business, finance, economics, or other analytical areas of study. Strong analytical skills, with experience interpreting financial models and performance data. High level of creativity, strategic thinking, and problem-solving ability. Experience working with internal risk, compliance, or legal teams to ensure investor-facing materials align with regulatory requirements. &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-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$184,100&mdash;$255,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Investor Services (CAPM)

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; and Austin, Texas. 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 IT Engineering team builds and manages the platforms, systems, and tools that power internal productivity, automation, and secure collaboration across the organization. From modern endpoint management to infrastructure-as-code, we architect, scale, and automate foundational systems that enable Upstarters to deliver on our mission. As a Senior Manager of IT Engineering at Upstart, you will lead a talented team responsible for identity management, enterprise automation, endpoint infrastructure, and internal tooling. This role combines technical leadership with strategic execution, focused on building scalable, secure, and user-centric IT systems. You will play a critical role in scaling Upstart's internal technology stack, supporting company growth while reducing risk and enabling seamless employee experiences. This is not just an operational role — it's a strategic opportunity to shape the internal technology foundation of a fast-scaling fintech company. You’ll be part of an organization that values automation, collaboration, and mission-driven impact. If you're ready to build secure, scalable systems that empower thousands of employees and support the future of credit — we’d love to meet you. 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 -&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; the IT Engineering team meets quarterly for 3-5 consecutive days at a time, but additional travel may be required. &nbsp; How you’ll make an impact: Define and execute the vision for Upstart’s internal IT platforms, services, and engineering capabilities Lead and mentor a team of IT Engineers across enterprise tooling, automation, endpoint engineering, and identity Architect and implement scalable, cloud-native infrastructure using Infrastructure as Code (IaC) best practices Drive automation across IT workflows to reduce manual operations, improve reliability, and increase velocity Partner with cross-functional stakeholders including Security, People, Compliance, and Engineering to ensure IT platforms meet business and compliance needs Enhance observability and incident response within internal platforms to reduce downtime and improve employee experience Manage and report on IT engineering KPIs, driving continuous improvement through data-driven decision-making Ensure all IT systems and services are secure, resilient, and aligned with Upstart’s risk management strategy Champion a DevOps and SRE-aligned culture within IT, emphasizing scalability, reproducibility, and proactive health monitoring &nbsp; What we’re looking for:&nbsp; Minimum requirements: 8+ years in IT Engineering, Systems Engineering, or DevOps roles, with 3+ years in engineering leadership&nbsp; Excellent people management skills with a track record of successfully mentoring, coaching, and getting reports promoted to the next level Proven success scaling enterprise platforms and managing cloud-based infrastructure in a fast-growing organization Deep technical expertise in IAM platforms (e.g., Okta), MDM tools (e.g., Jamf, BeyondCorp), and SaaS integrations Technical background in scripting and automation (e.g., Python) and Infrastructure-as-Code tools like Terraform, CDK, etc., and a willingness to get hands-on to help out the team if necessary Strong understanding of enterprise security practices, endpoint protection, and compliance History of driving architectural decisions and roadmaps across cross-functional teams Excellent communication skills and ability to influence both technical and non-technical stakeholders Preferred qualifications: Experience in a high-growth fintech, SaaS, or regulated environment Background in observability, ITIL frameworks, or internal developer productivity tooling Familiarity with AWS, CI/CD pipelines, and Kubernetes Experience managing geographically distributed teams Relevant certifications (e.g., ITIL, Google Workspace Admin, AWS Solutions Architect) #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$171,800&mdash;$237,800 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, IT Engineering

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; and Austin, Texas. 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&nbsp;Auto Retail Lending team is on a mission to make it easy, fast, and seamless for car buyers to secure auto loans through our dealership partners. We build the core technologies that power Upstart’s Auto Finance platform, with a focus on driving demand for auto loans by enabling our dealership partners to create, present, and close loan offers with ease. We design intuitive, stable, and high-impact workflows that integrate directly into the dealership experience. Our north star is conversion rate, turning credit applications into funded loans, through a strong product mix, deliberate engineering practices, and a customer-first mindset. As a Senior Engineering Manager &nbsp;at Upstart, on the team, you will work closely with cross-functional partners to execute projects across the whole stack. Work very closely with PM and Product designers to deliver the best user experience, both for our internal and external customers.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. How you’ll make an impact Team Leadership Lead, coach, and develop a high-performing engineering team focused on providing high quality solutions. Foster a collaborative and inclusive team culture that promotes innovation, continuous learning, and excellence. Technical Leadership Oversee the design, development, and implementation of cross functional projects which drive business outcomes. Ensure the reliability, performance, and scalability of customer facing products, leveraging best practices in software engineering. Collaborate with cross functional teams in Auto &amp; Upstart to ensure alignment with broader engineering goals. Stakeholder Collaboration Partner with product manager, product designer, engineering leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards. Communicate effectively with stakeholders to keep them informed of project status, risks, and opportunities. Project Management Manage project timelines and resources to deliver high-quality product solutions on time. Implement frameworks to ensure efficient project execution and continuous delivery. Minimum Qualifications Education &amp; Experience 8+ years of experience developing and maintaining large scale distributed systems in the cloud with a minimum of 2&nbsp; years managing a team directly Bachelor's degree in Computer Science, Engineering, or a related field Experience working in dynamic fast paced organizations Technical Skills Experience with Javascript/typescript based applications Experience with delivering full stack&nbsp; solutions to customers Familiarity with cloud platforms (AWS or Google Cloud) and microservices architecture Leadership Skills Excellent leadership and people management skills, with a track record of building and leading successful engineering teams Strong problem-solving skills and the ability to make data-driven decisions Exceptional communication and interpersonal skills, with the ability to engage effectively with technical and non-technical stakeholders 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 Other Requirements Experience with agile development methodologies and project management tools like Jira Ability to work in a fast-paced environment and manage multiple priorities simultaneously Commitment to continuous learning and staying updated with the latest industry trends Preferred Qualifications Experience delivering FinTech products or products in another regulated industry 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 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. 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 #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$186,100&mdash;$257,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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,  Auto Retail Lending

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; and Austin, Texas. 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 As a Senior Mobile Software Engineer at Upstart, you’ll help design and build scalable, high-quality mobile applications using React Native. You’ll collaborate closely with product managers, designers, and backend engineers to deliver features that delight users and align with company goals. This is a hands-on, execution-focused role for an experienced engineer who wants to ship features, own technical decisions, and improve our mobile platform. You’ll contribute to engineering quality through thoughtful system design, code review, and a focus on long-term maintainability. The Team The Mobile team at Upstart is building the future of our user experience. Our mobile codebase is React Native-first, and we’re in the early stages of expanding from iOS into Android. Our work spans user-facing features, performance optimization, platform tooling, and tight collaboration with backend and design partners. We’re a fast-moving team that values pragmatism, quality, and impact — and we’re laying the foundation for a scalable and user-first mobile platform. What You’ll Do Build and maintain user-facing features in our React Native mobile apps across iOS (and Android, as we expand). Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms. Collaborate with product and design teams to scope, implement, and launch features that align with user and business needs. Contribute to platform improvements, including tooling, testing strategies, CI/CD, and performance monitoring. Work with backend engineers to define mobile-specific APIs and improve client-server integration patterns. Identify and resolve performance or reliability issues in the mobile experience. Participate in code reviews, architecture discussions, and technical planning to raise engineering quality across the team. Support a strong mobile engineering culture through mentorship, collaboration, and a focus on continuous improvement. We’re Excited About You Because You… Have 6+ years of professional software development experience, including meaningful contributions to production mobile apps. Have experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android). Understand mobile performance, memory management, and platform-specific constraints. Communicate effectively with cross-functional partners in product, design, and backend engineering. Take ownership of your work and are comfortable delivering complex features from planning through release. Balance speed and quality, and advocate for maintainable, scalable engineering solutions. Contribute to team culture and engineering practices through feedback, mentoring, and collaboration. Embrace a growth mindset and enjoy learning from others while helping teammates grow. Bonus Points If You… Have helped launch or scale a React Native app on the Android platform. Are comfortable working with TypeScript or custom native modules. Have experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks. Have worked in a fast-paced product company where mobile was a primary user touchpoint. Have contributed to internal tools, processes, or systems that improved mobile developer velocity or code quality. &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; 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-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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Mobile Software 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; and Austin, Texas. 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 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.&nbsp; As the Senior Partnerships Manager, Emerging Products &nbsp;at Upstart you will drive growth through partnerships for some of our newest and most exciting product lines -&nbsp; today that's Auto Lending and Small Dollar Relief Loans . You will&nbsp; optimize existing partnerships and create new strategic relationships that expand Upstart’s reach and drive customer acquisition. You will work cross-functionally with Product, Marketing, Analytics,&nbsp; and the GMs of our lending products to scale our new products. &nbsp; How you’ll make an impact Own one of the largest and most important growth channels for two our fastest growing products Identify, evaluate, and create new strategic partnerships to expand distribution and customer acquisition for our emerging lending products. Manage, grow, and optimize existing partnerships, ensuring they drive long term value for our customers, our partners, and Upstart Collaborate closely with our Emerging Product GMs and senior stakeholders to align your investments with product goals, vision, and customer needs. Negotiate and structure long term, multi-million dollar partnership agreements&nbsp; Analyze partnership performance data to assess impact, identify opportunities for improvement, and optimize strategies. Stay ahead of industry trends in fintech, lending, and partnerships to inform and adapt Upstart’s partnership strategy. &nbsp; Minimum Qualifications&nbsp; 5+ years of experience, including&nbsp; strategic partnerships, business development, or growth roles Proven track record in a client facing role with&nbsp; measurable business impact Strong analytical skills with experience using data-driven insights to optimize partnership performance. Exceptional communication and relationship management skills, with the ability to influence and work with senior stakeholders. Ability to thrive in a fast-paced, high-growth environment where adaptability and problem-solving are key. Preferred Qualifications Partnerships / business development experience in financial technology industry Strong financial modeling and business case development skillset&nbsp; Deep familiarity with BI tools such as Looker, Tableau, or Mode Background in contract negotiation and structuring complex deals 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-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$130,800&mdash;$181,100 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Partnerships Manager, Emerging Products

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; and Austin, Texas. 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 Product and Regulatory Legal team provides enterprise-wide legal guidance in the areas of product development, marketing, fair lending, data privacy/security, as well as licensing and regulatory matters. The team works cross functionally in a fast-paced environment that requires strong collaboration skills.&nbsp; Members of the product regulatory legal team value clear communication, organization, and an enthusiasm to take on new challenges and changing priorities.&nbsp;&nbsp; As a Product and Regulatory Counsel at Upstart, you will play a key role in providing legal guidance supporting Upstart’s marketing initiatives,&nbsp; as well as developing&nbsp; new products and features to serve the personal loan, open line of credit, small dollar loan, and auto refinance market.&nbsp; How you’ll make an impact Serve as a core member on the marketing and customer onboarding teams that supports the personal loan, small dollar loan, open line of credit, and auto refinance products offered through Upstart’s bank partnership platform; Perform legal research and provide practical legal guidance cross functionally on the application of state and federal law governing various consumer financial products offered via Upstart’s platform, including developing legal analyses and requirements documents for marketing campaigns and loan origination; Advise cross functional teams on consumer product designs for online experiences; Provide guidance on disputes and issues escalated from the Compliance team, such as those related to marketing and loan origination;&nbsp; Monitor industry specific legal issues to advise internal stakeholders on strategies to keep Upstart's marketing content and products compliant with all applicable laws;&nbsp; Work across the Product and Regulatory Legal and other legal teams to assist others on the team with various projects involving servicing/debt collection, privacy/data security, licensing, fair lending, vendor contract negotiations, and capital markets contract negotiations; and Build strong, trusted relationships within the marketing and customer onboarding&nbsp; teams and across the organization. Minimum Qualifications&nbsp; J.D. degree with superior academic credentials and a state bar membership; At least 5+ years of experience in a top-tier law firm, government, in-house legal department, and/or fintech/startup experience with at least 3-4 years experience in marketing and&nbsp; loan origination; In-depth knowledge of federal and state open and closed end consumer lending and consumer protection laws, including FCRA, TILA, ECOA, GLBA, UDAAP, EFTA, ESIGN, FDCPA, bankruptcy, AML/BSA, and servicing/debt collection laws;&nbsp; Experience with marketing, bank partnership programs, personal loans, small dollar lending, auto refinance loans, and open lines of credits; and Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice involving competing interests. Preferred Qualifications Experience with loan servicing and debt collection, data privacy and security, mortgage products, and&nbsp; auto retail lending; Vendor management and vendor contract negotiation experience; and State licensing and exam experience. Position location This role is available in the following locations: Remote 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. 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&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$171,400&mdash;$237,200 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 and Regulatory Counsel, Growth Marketing

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; and Austin, Texas. 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 At Upstart Auto Retail, we are creating a next gen auto retail lending platform from the ground up. The Auto Retail team operates with a startup mentality, and we are looking for our next designer.&nbsp; We need someone that is willing to push through problems quickly, be decisive, and utilize any resources available to create high quality products resulting in delightful customer experiences. As the Senior Product Designer, Auto Retail at Upstart, you will partner with product managers and engineers to shape a rapidly growing product that is being used on mobile, and desktop devices. You’ll report directly to the Director of Product Design, and partner closely with another auto designer driving research and design strategy, and design execution&nbsp; across auto retail and lending. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote Time Zone Requirements -&nbsp;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 user experience of products end-to-end, including contributing to product strategy, design research, and measuring success of your shipped products Explore complex, ambiguous problem spaces in the auto industry and collaborate with internal and external teams to wrap your head around customer and business&nbsp; problems Push creative boundaries while simultaneously contributing to and helping manage our design system Build and ship products that are unmatched in usability and function Are able to conduct user research utilizing a variety of methods &nbsp; What we’re looking for:&nbsp; Minimum requirements: Have 7+ years of solving complex problems and use your refined design process to continuously improve product throughout its lifecycle Are capable of diligently navigating the dynamic relationship between user needs and business requirements&nbsp; Thrive in complicated problem spaces, and design UX flows utilizing your design thinking excellence Think at a systems level and consider every touch point of the user journey Value high quality well crafted visual design, and care deeply about the small details Have ample experience shipping both enterprise and consumer facing products Flexible and able to adapt in a fast paced environment Must be comfortable with making product design decisions with limited and/or conflicting data Preferred qualifications: Experience designing for auto retail experiences including B2B and/or B2B2C Experience in regulated industries such as fintech, healthcare, or enterprise software. Deep understanding of accessibility, compliance, and regulated product design Track record of improving product performance through design Experience working within and contributing to design systems Commitment to accessibility and inclusive design standards &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-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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Auto Retail

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; and Austin, Texas. 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 the Senior Product Designer on the growth design squad, you’ll define strategy, lead user research, and shape frictionless identity, log in, and profile &amp; account management&nbsp; experiences across mobile and responsive web experiences. You’ll focus on reducing friction in authentication, registration, profile and account creation, and account recovery flows—while maintaining a high bar for security, transparency, and user control. You’ll have a major impact on how users interact with Upstart’s products by crafting seamless identity interactions that feel invisible, trustworthy, and empowering. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote Time Zone Requirements -&nbsp;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 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 identity systems or IAM platforms (e.g., SSO, OAuth, multi-factor authentication, account recovery). Familiarity with identity platforms (Auth0, Okta, Keycloak, AWS Cognito) or authentication standards (OAuth 2.0, OIDC, SAML). Experience in regulated industries such as fintech, healthcare, or enterprise software. Deep understanding of accessibility and inclusive design, particularly in trust-critical workflows. Ability to navigate tradeoffs between business goals, risk, and user experience in security-sensitive environments. &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-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. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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; and Austin, Texas. 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 Growth team is dedicated to creating a seamless product 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 and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace.&nbsp; As Senior Product Manager, Growth Data &amp; Personalization, you will own the strategy and execution of our data platform, recommendation systems, and personalization engines. You’ll ensure that Upstart delivers the right product, offer, and message to the right customer at the right time — across in-product experiences and marketing channels. You’ll collaborate with data science, engineering, marketing, and product teams to transform customer data into differentiated, high-value experiences that improve engagement and growth outcomes. &nbsp; How you’ll make an impact Lead strategy for our growth data platform, ensuring data pipelines, models, and systems are built to deliver real-time, scalable personalization across channels. Own the roadmap for recommendation and personalization engines, from offer ranking to content targeting, optimizing for both customer value and business growth. Partner with data science to design, test, and operationalize machine learning models that improve acquisition, cross-sell, and retention. Collaborate with marketing, product, and design to activate personalization consistently across customer touchpoints — email, push, landing pages, app, and in-product modules. Define and track success metrics, balancing model performance, experimentation velocity, compliance, and customer trust. &nbsp; Minimum Qualifications&nbsp; 6+&nbsp; years of product management experience with customer data platforms, personalization systems, or machine learning-powered products. Strong track record of partnering with engineering and data science teams to build and scale data-driven platforms or recommendation systems. Ability to manage and influence stakeholders across marketing, product, and engineering, balancing technical complexity with business impact. &nbsp; Preferred Qualifications Experience with real-time personalization, recommendation systems, or marketing automation in a regulated industry. Proven ability to measure and communicate the ROI of personalization and data investments. Strong customer-centric mindset with the ability to translate data and model capabilities into intuitive, valuable customer experiences. &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; 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&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$162,100&mdash;$224,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Data & Personalization

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; and Austin, Texas. 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 Growth team is dedicated to creating a seamless product 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 and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace.&nbsp; As a Senior Product Manager, Growth Tools &amp; Integrations, you will own the strategy and execution for our cutting edge internal tools, integrations and infrastructure that power both seamless customer experiences and the platforms that fuel our growth engine, enabling teams to scale acquisition and engagement. You’ll collaborate with cross-functional teams to drive both large-scale initiatives and smaller, data-driven experiments that optimize customer and&nbsp; business outcomes. &nbsp; How you’ll make an impact Develop and execute strategies to invest in platforms, tools and growth infrastructure to power our partnerships and marketing efforts, focusing on driving value for Upstart’s existing customers and enhancing the product experience across multiple credit offerings to build a cohesive multi-product marketplace. Deeply understand your internal stakeholders through ongoing collaboration, ensuring that our technology enables them to deliver higher quality, personalized campaigns that delight end customers. Collaborate closely across marketing, partnerships and ops teams at the company, and work with product managers, engineering, analytics, design to align goals and streamline processes, ensuring successful delivery of platform initiatives. Make smart trade-offs to inform the ongoing platform roadmap, prioritizing features with the highest business impact, balancing speed, scalability, and compliance. &nbsp; Minimum Qualifications&nbsp; 6+ years of product management experience owning internal platforms, integrations or tools that support marketing, partnerships, or operations with demonstrated&nbsp; success leading a team with specific work-streams. Ability to build relationships and effectively collaborate with peers and stakeholders, from senior leadership to individual contributors Ability to manage and influence through persuasion, negotiation, and consensus building. &nbsp; Preferred Qualifications Experience balancing speed, compliance, and scalability, preferably in a regulated industry Proven ability to prioritize, measure and communicate ROI of platform investments. Strong stakeholder-centric mindset with the ability to translate process and workflow gaps into actionable platform features and enhancements. &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; 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&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$162,100&mdash;$224,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Tools & Integrations

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; and Austin, Texas. 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 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. &nbsp; 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; 7+ years of professional full stack software development experience. We primarily use Kotlin (Spring), Ruby (Rails), and TypeScript (React) but are open to experience with different stacks. 4+ years of professional experience with SQL databases and domain modeling Some experience with a front-end framework like React 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. 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; 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-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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 + Auto Secured Personal Loans

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; and Austin, Texas. 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 Lending Growth &nbsp;team is on a mission&nbsp; to scale Upstart’s Auto Lending platform by expanding into all 50 states, integrating seamlessly with dealer systems, and delivering a compliant, high-conversion credit application experience. As a Senior Software Engineer on the Auto Lending Growth team at Upstart, 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’ll move efficiently and deliberately to drive both existing and greenfield projects forward, while always keeping our end users in mind.&nbsp; How you’ll make an impact Lead successful projects working collaboratively with engineering team members and cross-functional partners Make thoughtful architectural decisions to improve the quality of our software Translate complex business requirements into technical plans, and ultimately high quality code Drive a culture of technical excellence Minimum Qualifications&nbsp; 6+ years working with full stack web applications 3+ years of experience working in a full stack capacity with NodeJS/Typescript and React or equivalent Able to translate complex business requirements into system architecture and technical designs Experience with cloud computing platforms and services such as AWS, Azure, or GCP Experience leading engineers on medium to large projects through planning, design, implementation, and launch Experience driving a culture of technical excellence related to quality, availability, and scalability Preferred Qualifications Experience deploying web applications on Vercel and/or with Next 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. 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 #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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Retail

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; and Austin, Texas. 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 Retail Lending team is on a mission to make it easy, fast, and seamless for car buyers to secure auto loans through our dealership partners. We build the core technologies that power Upstart’s Auto Finance platform, with a focus on driving demand for auto loans by enabling our dealership partners to create, present, and close loan offers with ease. We design intuitive, stable, and high-impact workflows that integrate directly into the dealership experience. Our north star is conversion rate, turning credit applications into funded loans, through a strong product mix, deliberate engineering practices, and a customer-first mindset. As a Senior Software Engineer &nbsp;at Upstart, you will work closely with cross-functional partners to execute projects across our entire stack. Ideally, you’re a self starter who delivers work with quality, testability, resiliency, and maintainability in mind. You’ll How you’ll make an impact Lead successful projects working collaboratively with engineering team members and cross-functional partners Make thoughtful architectural decisions to improve the quality of our software and drive a culture of technical excellence Build dealership-facing tooling that streamline deal negotiation, loan creation, and contracting Ensure platform reliability and end-to-end scalability for Auto Retail loan originations Monitor success through metrics like conversion rate, rate presentation, and share of wallet Minimum Qualifications&nbsp; 5+ years working with full stack web applications Demonstrated experience building scalable APIs and services, ideally in production Able to translate complex business requirements into system architecture and technical designs Experience leading engineers on medium to large projects through planning, design, implementation, and launch Experience driving a culture of technical excellence related to quality, availability, and scalability Preferred Qualifications 3+ years working in a full stack capacity in languages such as Kotlin, Ruby, Typescript, or React Proficiency in Docker, GitHub Actions, and cloud environments like AWS Demonstrated success in mentoring teammates and guiding success in project execution Passion for improving user experience through best practices and metrics-driven development 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. 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&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 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Retail Lending

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; and Austin, Texas. 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 are seeking a Senior Software Engineer to join our Capital Marketplace engineering teams. The Capital Marketplace Vertical is the fuel that power Upstart’s AI based lending operations. Spread across five dynamic high performance teams;&nbsp; Capital Marketplace is in charge of onboarding and maintaining Capital Marketplace relations with both our Lending Partners and Investors. We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers. You’ll 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; 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. 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&nbsp; What we’re looking for:&nbsp; Minimum requirements: 5+ years of experience in software development, with a 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 Preferred qualifications: 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 Nice to haves:&nbsp; Experience working with large datasets, data modeling, and building robust data pipelines Experience with data tools like ClickHouse, Databricks, dbt, Redshift, and Looker 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 #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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Marketplace

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; and Austin, Texas. 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 new Core GenAI Platform team is building foundational infrastructure that democratizes access to generative AI/LLMs for every product and engineering team across the company. As a&nbsp;Senior Software Engineer on Upstart's Core GenAI Platform team, you will help design and build a unified interface for securely interacting with large language models - abstracting away the complexity of model selection, prompt orchestration, evaluation, and scaling. You'll help build a centralized GenAI layer that enables engineers to use best-in-class LLMs through clean APIs, configurable pipelines, and intuitive tooling. Reporting to our Senior Director of Engineering, the team operates with broad scope and high visibility, partnering across Machine Learning, Product, and Compliance to ensure every model integration is performant, secure, and compliant. Whether it's embedding LLMs in user-facing products or optimizing backend workflows, this team makes it seamless for Upstart Engineering to adopt and scale GenAI company-wide. How you’ll make an impact: Build the Core GenAI platform powering generative AI use cases across all of Upstart Engineering. Design and implement reliable, observable infrastructure for model inference, prompt orchestration, and data workflows. Drive cross-functional adoption of AI tooling by delivering reusable components and intuitive interfaces.Increase developer productivity through automation, metrics dashboards, and streamlined GenAI integrations. Set the technical roadmap for platform capabilities, balancing innovation with reliability and compliance. Partner with ML researchers, product engineers, and design to bridge experimentation and production. Ensure the platform adheres to emerging standards of security, fairness, and explainability for LLM systems. What we’re looking for:&nbsp; Minimum requirements: 6+ years of experience in object-oriented software engineering, with a strong systems engineering background Proven experience independently leading impactful, cross-functional, multi-quarter projects with mid-large teams&nbsp; Proficiency in backend development with Python (leveraging frameworks like FastAPI, Flask, or similar), microservices architecture, and infrastructure tools like Kubernetes, Docker, and Terraform Hands-on experience building ML platforms or infrastructure supporting LLMs or inference systems Familiarity with observability tools (e.g., Prometheus, Grafana, Datadog) and data processing pipelines Strong written and verbal communication skills and a collaborative approach to cross-functional work Strong stakeholder management skills&nbsp; Preferred qualifications: Full Stack development skills including hands on experience with React or similar Proficiency with Kotlin or Java and the Spring framework ecosystem Experience with LLM toolchains such as LangChain, LlamaIndex, or OpenAI APIs Deep understanding of model inference optimization (e.g., quantization, ONNX, streaming) Exposure to retrieval-augmented generation (RAG), vector databases (e.g., FAISS, Pinecone), or prompt engineering Experience operationalizing LLMs in production, including latency management and prompt versioning Ability to influence platform direction and drive alignment across multiple engineering teams Awareness of LLM-specific risk domains, including hallucinations, fairness, and data privacy &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; 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-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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Core GenAI 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; and Austin, Texas. 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 Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams. You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions. As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform. How You’ll Make an Impact Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products. Collaborate with data scientists and product managers to translate business goals into robust technical solutions. Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs. Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence. Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring. Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience. What We're Looking For Minimum Qualifications 5+ years of professional software development experience building scalable public or consumer-facing products. High level of proficiency coding in production with Python, Kotlin, Go, or languages with similar syntax. Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments. Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP). Strong problem-solving skills with an emphasis on scalability, performance, and system reliability. Excellent communication skills, able to explain complex technical topics to both technical and non-technical audiences. Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team. Exhibits a bias for action and comfort navigating ambiguity while driving towards impactful outcomes. Preferred Qualifications Background in finance / fintech, financial mathematics, statistics, or machine learning. History of thriving in diverse work environments: both collaborative and self-directed; remote and in-person. Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus). Recognized as a subject matter expert or technical owner for a critical domain, with a passion for sharing knowledge and best practices. Active contributor to the tech community through open source, technical talks, or mentorship. &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; 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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Core 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; and Austin, Texas. 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 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 Senior Software Engineer 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 - 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. 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 or Master’s degree in Computer Science or related field 5+ years of professional 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; 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 #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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Event Bus, Experimentation and gRPC

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; and Austin, Texas. 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 a small team building our own business. Our first product, launched summer ‘23, is a home equity line of credit (HELOC) for homeowners. Our next product is a home loan (mortgage) for homebuyers. It will be the most complex product Upstart has built to date, and we need more talented, creative engineers to help us make it happen! Why Mortgage? This industry is the largest category of consumer credit in the US, with over $2 trillion in originations last year. This is where Upstart can make its biggest impact. Why us? The market has left behind millions Americans with imperfect credit or difficult-to-document income. Serving these customers is Upstart’s bread and butter, and it’s core to our mission. Because we use machine learning to assess creditworthiness versus a fixed formula more than a decade old (FICO), we’re able to extend loans to prospective homeowners that our competitors just can’t. We’ve proven this model with personal loans and auto loans, and now we want to bring this access to where families feel it the most: where they live. We want our team to reflect the people we’re serving. To serve customers at the fringes, we need people who think at the fringes—weird, quirky, out-of-the-box do-ers who reason from first principles and not from the status quo. We leave our ego at the door and crave being proven wrong. We're a high-empathy team, and we succeed as a team first, individuals second. As a senior engineer on one of Upstart’s newest teams, you’re a leader who can work across the whole stack, who doesn’t need roads paved for you before you take action. You can work in the frontend (React) or the backend (Kotlin), but you might specialize in one. You’re an individual contributor who uses tech to ply your craft, but you excel at thinking like a product manager and a business owner when needed. You can handle high-stakes calls with 3rd parties and customers, and you thrive on making decisions that impact not just how we build but what we build. Finally, you’re a mentor, and you take seriously the responsibility to coach and grow each of the engineers around you. &nbsp; How you’ll make an impact: Beyond leveraging our existing tech (AWS, Kafka, Spring Boot, Next.js, Kubernetes, Kotlin, React), here’s how you’ll make an impact: Lead successful cross-team and/or multi-quarter, multi-engineer projects Proactively search out ways to expand impact that extends well beyond the Jira board Turn team-specific projects into opportunities to up-level the team and the org’s tech platform Know the product as well as the EM and PM and contribute to the product vision/strategy Propose and deliver new ideas that achieve meaningful improvements to our team’s business metrics Contribute in a meaningful way to quality improvements within our team What we’re looking for:&nbsp; Minimum requirements: 5+ years professional experience in fullstack software 3+ years proficiency in Kotlin, Java, or C#. (Our backend is in Kotlin, but Java and C# are similar enough that you can learn on the job.) Some hands-on experience with a JavaScript framework like React Some hands-on experience with SQL databases and domain modeling Preferred qualifications: Excellent written and verbal communication. As a senior engineer, a big part of your job will be mentoring others and representing our team in cross-functional, cross-team, or even cross-company conversations. And you’ll need to tailor your communication style to fit these different audiences’ needs. 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. mob programming) to excel in this role. Enthusiasm for non-coding responsibilities. Design and coding will be ~70% of your job. The rest will be influencing the direction of the people and the product around you—for instance, by researching and proposing a new product idea to key stakeholders. 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. 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. 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-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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Home Lending

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; and Austin, Texas. 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 ML Platform team is the engineering team responsible for designing and developing the technology and tools that underpin Upstart’s machine learning capabilities.The team is focused on supporting Upstart’s ML teams in converting research ideas to production models. As a Senior Software Engineer on the ML Platform team, you’ll be responsible for building an MLOps platform to support machine learning training, process automation, model deployment, and monitoring. Machine Learning is critical to Upstart’s core business, and our greatest competitive advantage lies in the fact that we’re able to innovate on our AI engine quickly. &nbsp; Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 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 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. &nbsp; How you’ll make an impact: Build, maintain, and optimize&nbsp; high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business Develop the scaffolding, tooling, and infrastructure&nbsp; that allows research scientists to iterate and train large scale machine learning models Enable rapid experimentation and iteration in model training code so that we can continuously improve our models Build the infrastructure that provides research scientists the ability to access the data and features they need to enhance our models Work with Data Engineers, DevOps Engineers, and Research Scientists to ensure that model training and deployment is a repeatable process that relies heavily on automation and workflows (not humans) What we’re looking for:&nbsp; Minimum requirements: 5+ years of software engineering experience 2+ years of experience building and/or contributing to the advancement of in-house Machine Learning Platforms that enable stakeholders such as modelers or ML-focused Scientists Experience as a technical lead of mid-large sized teams working on cross-functional projects Experience building and maintaining backend software services and APIs Experience with big data, ETL, cloud compute, services, containerization, continuous integration and deployment (CI/CD), and testing frameworks Experience with some or many of the following: Python, Typescript, interactive notebooks (Jupyter/Databricks), and AWS Good understanding of software development principles and best practices for creating scalable and maintainable systems Preferred qualifications: Familiarity with cluster compute architectures (i.e.: Kubernetes, serverless architectures such as AWS Lambda, Batch), Databricks, and/or Spark ETL&nbsp; Excellent quantitative reasoning skills with interest in working at the intersection of engineering and machine learning Strong sense of ownership and accountability for the quality and timely delivery of work Proven ability to effectively analyze and solve complex problems Excellent written and verbal communication skills with stakeholders, peers and product owners Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics &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&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$160,400&mdash;$222,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Machine Learning 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; and Austin, Texas. 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 a member of our Servicing Engineering team, you will play a pivotal role in ensuring smooth loan management, optimizing collections, and cultivating strong customer relationships. Our team's primary objective is to develop a cutting-edge loan servicing platform, introduce business process automation, enhance efficiency, and deliver an intuitive user experience for both borrowers and internal stakeholders. As a Senior Software Engineer at Upstart, you’re a leader who can work across the whole stack, who doesn’t need roads paved for you before you take action. You’re an individual contributor who uses tech to ply your craft, but you excel at thinking like a product manager and a business owner when needed. You can handle high-stakes calls with 3rd parties and customers, and you thrive on making decisions that impact not just how we build but what we build. Finally, you’re a mentor, and you take seriously the responsibility to coach and grow each of the engineers around you. How you’ll make an impact: Lead successful cross-team and/or multi-quarter, multi-engineer projects Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind Proactively search out ways to expand impact that extends well beyond the Jira board Turn team-specific projects into opportunities to up-level the team and the org’s tech platform Help us continue building our engineering team and keep Upstart a genuinely awesome place to work What we’re looking for:&nbsp; Minimum requirements: 5+ years of professional software development experience Technical leadership experience with deep understanding of code release, deployment orchestration / rollout mechanisms, logging, instrumentation, monitoring, and alerting in a microservices environment Preferred qualifications: Experience designing, developing, and deploying microservices-based applications Strong sense of ownership and accountability for the quality and timely delivery of work Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Experience with Ruby on Rails or Kotlin 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-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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Servicing

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; and Austin, Texas. 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 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, Prometheus, 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 -&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; 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-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$163,600&mdash;$226,400 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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 Tooling

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; and Austin, Texas. 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 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 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; 4+ years of professional full stack software development experience. We primarily use Kotlin (Spring), Ruby (Rails), and TypeScript (React) but are open to experience with different stacks. 2+ years of professional experience with SQL databases and domain modeling Some experience with a front-end framework like React 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; 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-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$142,000&mdash;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Auto Refi + Auto Secured Personal Loans

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; and Austin, Texas. 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 Retail Engagement team is on a mission to make it easy, fast, and seamless for car buyers to secure auto loans through our dealership partners. We build the core technologies that power Upstart’s Auto Finance platform, with a focus on driving demand for auto loans by enabling our dealership partners to create, present, and close loan offers with ease. We design intuitive, stable, and high-impact workflows that integrate directly into the dealership experience. Our north star is for dealers to open the Upstart lending portal every time they get a credit application and create value-add features to keep them coming back. As a Software Engineer on the Auto Retail Engagement team at Upstart, 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’ll move efficiently and deliberately to drive both existing and greenfield projects forward, while always keeping our end users in mind.&nbsp; How you’ll make an impact Lead successful projects working collaboratively with engineering team members and cross-functional partners Make thoughtful architectural decisions to improve the quality of our software Translate complex business requirements into technical plans, and ultimately high quality code Drive a culture of technical excellence. Minimum Qualifications&nbsp; 4+ years of experience working on SaaS applications 3+ years of experience working in a full stack capacity with NodeJS/Typescript/Python backend and React/Angular frontend Able to translate complex business requirements into system architecture and technical designs Experience in working on medium to large projects through planning, design, implementation, and launch Experience contributing to a culture of technical excellence related to quality, availability, and scalability Preferred Qualifications Experience in building microservices Experience in building 3rd party integrations using REST/Soap APIs Experience with cloud computing platforms and services such as AWS, Azure, or GCP 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. 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 #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$142,000&mdash;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Auto Retail

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; and Austin, Texas. 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 are seeking a Software Engineer to join our Capital Insights engineering teams. You will be part of a team of skilled engineers responsible for developing, maintaining, and enhancing reporting systems that support our capital markets and lending operations. You will play an exciting role in defining the future state of our reporting infrastructure, driving innovation, and ensuring that our systems can scale to meet the growing demands of the business. You will work closely with cross-functional teams, including data engineering, product management, and compliance, to ensure that our reporting infrastructure is reliable, scalable, and meets regulatory requirements. This role is perfect for someone passionate about building high-performance teams and creating reliable, scalable systems that deliver critical information to the business in real time. 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. 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&nbsp; What we’re looking for:&nbsp; Minimum requirements: 3-5&nbsp; years of experience in software development, with a 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 Preferred qualifications: 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 Nice to haves:&nbsp; Experience working with large datasets, data modeling, and building robust data pipelines Experience with data tools like ClickHouse, Databricks, dbt, Redshift, and Looker 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 #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$142,000&mdash;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Capital Insights

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; and Austin, Texas. 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 Consumer Platform’s mission is to ensure consumers are treated as individuals beyond their transactions. We build the foundation that powers personalized experiences across Upstart’s products—helping us understand and support our consumers as individuals. Engineers on this team think long-term, prioritize strategic clarity, and are deeply invested in data accuracy and freshness. As a core product platform team we also partner cross-functionally with product and engineering teams to create scalable systems that ensure a seamless consumer experience. How you’ll make an impact: As a Software Engineer I (L3) on Consumer Platform, you’ll work under guidance to deliver high-quality features within our platform and learn to take increasing ownership of your deliverables. In your first year, you will: Build reliable feature-level services. Collaborate with senior engineers to design and develop resilient backend components (Kotlin/Ruby) that serve internal product teams. Contribute to full-stack tasks. Ship front-end work in React/Next.js and backend endpoints, ensuring your code is tested, documented, and reviewed. Resolve bugs and production issues. Learn to debug common issues in your feature space, follow runbooks, and participate in on-call rotations with mentorship. Drive small enhancements. Identify opportunities to improve code quality or developer workflows (e.g., add tests, improve logging) and propose changes. Communicate effectively. Ask clarifying questions, share progress in stand-ups, and solicit feedback in design and code reviews. What we’re looking for:&nbsp; Minimum requirements: Bachelors degree in Computer Science, Engineering, or related field (or equivalent practical experience) Up to 4 years of professional software development experience - this can include internships or co-ops at tech companies. Familiarity in at least one backend language (Kotlin, Java, or Ruby). Familiarity with modern JavaScript frameworks such as React/Next.js &amp; Frontend development. Familiarity with SQL databases and domain modeling. Strong communication skills and ability to represent technical work in cross-functional settings. Preferred qualifications: Internship or bootcamp experience at a software company, demonstrating end-to-end project contributions. Exposure to cloud-native environments (AWS) and messaging systems (Kafka). Basic understanding of API design and microservices principles. Familiarity with automated testing frameworks and continuous integration workflows. Interest in platform engineering and passion for building internal tools and libraries. Demonstrated ownership of small-scale projects, from requirement gathering through to deployment and monitoring. 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. 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-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$113,800&mdash;$157,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Consumer 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; and Austin, Texas. 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 Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams. You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions. As a Software Engineer at Upstart, you will implement and maintain features that manage the pricing process for all of Upstart’s product lines, ensuring that the output of ML underwriting models are accurately converted to measures of risk and profitability. You'll also contribute to the development of our product lines through the addition of new pricing features to increase borrower conversion and profitability per loan. How you’ll make an impact Work closely with cross-functional teams to understand business goals and translate them into technical requirements. Develop robust, high-performance services that enable real-time pricing decisions. Optimize and refactor code for scalability and efficiency, ensuring low-latency responses in our pricing engines. Maintain and evolve our API infrastructure to support the growing volume of products and integrations. Ensure the quality and reliability of pricing models by writing unit and integration tests, participating in code reviews, and monitoring production systems. What we’re looking for:&nbsp; Minimum requirements: 3+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset. High level of proficiency coding in production with Python, Kotlin, or Go or languages with similar syntax. Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others. Experience with building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP).Familiarity with data modeling, pricing algorithms, or fintech products is a plus. Ability to work in a collaborative, agile environment and manage competing priorities. Strong problem-solving skills with an emphasis on scalability and performance. Excellent communication skills, able to explain complex technical topics to non-technical stakeholders. Proven ability to influence technical and non-technical stakeholders, overcoming objections by presenting evidence through data. Proven success independently leading small engineering teams on complex, multi-month initiatives meeting challenging but realistic deadline. Exhibits a bias for action and comfortability persevering through ambiguity - you regularly practice critical thinking and love to solve difficult problems. Exhibits a passion for mentorship and coaching junior-mid level Engineers.&nbsp; Preferred qualifications: Background in finance / fintech, financial mathematics, statistics, or machine learning. History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person. Well versed with microservices, distributed systems, and cloud-native development (AWS or GCP preferred). Knowledge of, or hands-on experience utilizing advanced CI/CD technologies with a focus on infrastructure/everything as code. Contributes to the open-source community, educates others on software development best practices, or spends time outside of work staying up with the latest trends in modern SDLC. You are the Subject Matter Expert or go-to for an important domain on your current or previous team, and love to teach others about it. 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; 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-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$142,000&mdash;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Core 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; and Austin, Texas. 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!As a software engineer on the Home Lending team, you’ll help build and grow Upstart’s 2 newest products: HELOC and Mortgage.&nbsp; Why home loans? Millions of homeowners are locked into long-term low-interest mortgages and looking for a way to access their equity. By securing a loan against their house, we can lend them fast, affordable credit for remodels, big purchases, or paying off debt. This is a huge category of consumer credit, and it’s where we can make our biggest impact. Why us? The market has left behind millions of Americans with imperfect credit or difficult-to-document income. Serving these customers is our bread and butter, and it’s core to our mission. Because we use machine learning and automation to assess credit-worthiness, we can offer a faster experience at a better price. We want our team to reflect the people we’re serving. To serve customers at the fringes, we need people who think at the fringes—weird, quirky, out-of-the-box do-ers who reason from first principles and not from the status quo. We leave our ego at the door and crave being proven wrong. We're a high-empathy team, and we succeed as a team first, individuals second. As an engineer on one of Upstart’s newest teams, you’ll work closely with cross-functional partners, working across the whole stack. You're a self-starter that's able to leverage tools in your toolbelt to pave your own path forward to progress and deliver work with quality, testability, resiliency, and maintainability in mind. You're eager to learn and grow as an individual but also enjoy helping your team come along for the ride. Beyond leveraging our existing tech (AWS, Kafka, Spring Boot, Kubernetes, Kotlin), here’s how you’ll make an impact: Proactively search out ways to make an impact beyond the Jira board Turn feature-specific tasks into opportunities to up-level the team’s codebase and product Know the product intimately enough to propose changes to requirements when we need to find a middle path Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics Contribute in a meaningful way to quality improvements within our team What we’re looking for:&nbsp; Minimum requirements: 4+ years proficiency in Kotlin, Java, or C#. (Our backend is in Kotlin, but Java and C# are similar enough that you can learn on the job. Hands-on experience with SQL databases and domain modeling Preferred qualifications: Excellent written and verbal communication skills. 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. 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. mob programming) to excel in this role. 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. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. But our team still has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, Austin, or San Mateo). If you need to travel to make these meetups, Upstart will cover all travel-related expenses. 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 #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$142,000&mdash;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Home Lending

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; and Austin, Texas. 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 Product-Led Growth (PLG) Team is focused on driving growth by deepening relationships with our existing customers. Our vision is to keep users permanently underwritten and engaged with relevant, timely offers that enhance their financial journey throughout their experience with Upstart. As a Software Engineer at Upstart, you will play a role in shaping how we drive growth and engagement through intelligent targeting, seamless offer presentation, and strategic product recommendations. You’ll be responsible for enhancing our logged in user dashboard, optimizing out-of-funnel cross-sell strategies, and advancing our efforts by improving data collection, pricing orchestration, and personalized offer experiences. Your work will directly contribute to increasing customer lifetime value and helping more people access the right financial products at the right time. &nbsp; How you’ll make an impact: Design and implement features that support intelligent, personalized offer recommendations to our user base Work with Product Managers, Product Designers, Research Scientists, and Marketing Managers to design and deliver high-quality products Leverage experimentation and data-driven insights to refine growth strategies, optimizing engagement and conversion through continuous testing, iteration, and personalization. Promote a culture of technical excellence focused on providing high quality solutions and incrementally enhance systems with each pull request.&nbsp; &nbsp; What we’re looking for:&nbsp; Minimum requirements: Bachelor's degree in Computer Science, Engineering, or a related field 4+ years of experience in software development with the ability to operate in a full stack capacity Experience in product oriented teams with quantifiable customer impact Experience designing, developing, and deploying microservices-based applications Preferred qualifications: Master’s degree in Computer Science, Engineering, or a related field Experience with growth engineering product stacks (Optimizations, Experimentation, Personalization, Recommendation Systems, etc) Experience leading a team with mobile app ownership Proven track record of leading and scaling engineering teams &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; 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 #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$142,000&mdash;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Product Led 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; and Austin, Texas. 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!We are seeking a Software Engineer to join our Revenue Science team. Revenue Science builds 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. You’ll 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: Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions and efficient capital deployment Design, build, and maintain real-time services that power origination fee computation and offer filtering Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment Develop scalable, reliable systems that support experimentation and rapid response to market changes Ensure the security, performance, and availability of critical pricing platforms Participate in code reviews, testing, and the deployment of high-quality code What we’re looking for:&nbsp; Minimum Qualifications&nbsp; 3-5 years of experience in backend or full-stack software development, 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&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 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 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. 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 #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;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Revenue Science

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; and Austin, Texas. 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 has experienced remarkable growth in recent years, successfully processing billions of dollars in loans every quarter. The Servicing Engineering team plays a crucial role in managing these loans smoothly, maximizing collections, and building strong customer relationships. Our primary focus is to build a loan servicing platform and automate business processes while enhancing efficiency, and providing an intuitive user experience for both our borrowers and internal teams through the use of data analytics, machine learning, and automation. As a Software Engineer on our Servicing Engineering team, you’ll work closely with cross-functional partners to identify areas for improvement, automate repetitive tasks, and implement scalable solutions. By optimizing workflows, integrating systems, and leveraging technology, we empower our servicing partners to prioritize high-value activities and deliver exceptional service to our customers. Your contributions will be instrumental in delivering exceptional customer experiences, while driving continuous improvement in our servicing capabilities to meet the growing demands of our unique role in the fintech ecosystem. How you’ll make an impact: Work within all areas of the platform from our web interfaces and 3rd party API integrations to backend business logic Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base Help us build our engineering team and make Upstart a genuinely awesome place to work What we’re looking for:&nbsp; Minimum requirements: 2+ years of experience developing full stack web applications professionally Proficiency in one or more programming languages Solid grasp of software development principles and best practices for creating scalable and maintainable systems Proven ability to effectively analyze and solve complex problems Preferred qualifications: Experience with designing, developing, and deploying microservices-based applications Strong sense of ownership and accountability for the quality and timely delivery of work Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Experience with Ruby on Rails and React or NextJS 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-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$113,800&mdash;$196,600 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Servicing

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; and Austin, Texas. 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 Analytics team plays the critical role of providing analytical capability across Upstart's organization to enable data-driven decision making. We leverage our analytical and technical skills to support our partners with a multitude of services, some of which include understanding our underwriting models and presenting on trends in our loan performance, analyzing market size opportunities, creating financial models, developing our business intelligence pipeline to enable self-service reporting, and architecting/automating of work processes. As the Staff Analyst &nbsp;on the Home Analytics team at Upstart, you will be responsible for understanding, presenting, and driving best practices in product analytics and for developing our business intelligence pipeline to enable better decision making. You will partner with our Product, Engineering, and Machine Learning teams to drive understanding, insights and decision making. How you’ll make an impact Conduct quantitative analysis to test hypotheses about our users and the way they interact with our product Administer A/B tests, monitor results and generate product and business recommendations Build data and analytical foundation for product analytics, including data pipelines and automated reporting Partner with Product and&nbsp; Engineering teams to test and implement product changes Mentor junior team members on best practices and foster a center of excellence on data, analytics, and experimentation Minimum Qualifications&nbsp; 8+ years work experience in increasingly senior analytical roles in technology and finance industry Experience in product or growth analytics, proficient in with Python / R, Google Sheets / Excel, SQL Experience working with large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, Redshift, Tableau, Mode Experience deriving actionable insights from analysis and analytical storytelling Degree in Economics, Mathematics, Engineering, Data Science or other quantitative fields Preferred Qualifications 3+ years experience developing, conducting, and evaluating A/B tests Experience in coaching and mentoring junior team members on technical subjects Demonstrated ability to craft executive-ready narratives around complex business or performance topics to successfully influence VP+ decision making Demonstrated ability to work collaboratively and in deep partnership with cross-functional teams Experience in consumer lending and/or knowledge of the consumer finance market and capital markets &nbsp; Position Location - This role is available in the following locations: Remote, San Mateo, Columbus&nbsp; 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. #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$157,000&mdash;$217,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, HELOC

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; and Austin, Texas. 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 Marketplace Analytics team is a new team coordinating 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. We use rigorous analysis, experimentation, and modeling to understand market dynamics and drive strategic decisions. As a Staff Analyst on the Marketplace Analytics team at Upstart, you will be a key player in shaping our pricing strategy. You will be responsible for partnering closely with Engineering &amp; Product Management to optimize borrower pricing while ensuring proper marketplace functioning and health. This role requires a unique blend of strong technical skills to design and interpret experiments, coupled with sharp business acumen and systems thinking to understand how pricing decisions impact the broader Upstart ecosystem. You'll need to move fluidly between deep quantitative analysis and high-level strategic thinking. How you’ll make an impact: Lead the design, execution, and analysis of pricing experiments (A/B tests) to understand price elasticity and optimize key marketplace outcomes. Develop and refine analytical frameworks and models to assess the impact of pricing strategies on borrower demand, lender supply, conversion rates, revenue, and overall marketplace balance. Conduct in-depth analyses of market trends, competitor pricing, and user behavior to identify opportunities for pricing improvements. Partner cross-functionally with Product Management, Engineering, Data Science, Finance, and Capital Markets teams to develop, implement, and monitor pricing initiatives. Translate complex analytical findings into clear, actionable insights and strategic recommendations for stakeholders and leadership. 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. Contribute to the development of data infrastructure and tooling needed for robust pricing analysis and experimentation. What we’re looking for:&nbsp; Minimum requirements: Strong analytical and quantitative background with at least 8+ years of professional experience in analytics, data science, or a related quantitative field. Proven experience in designing, running, and analyzing A/B tests or other experiments. 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. Preferred qualifications: Experience specifically in pricing analytics, revenue management, or marketplace optimization. Experience in technology, fintech, lending, or two-sided marketplace companies. Experience building predictive models related to demand forecasting, price elasticity, or market simulation. 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. What you'll love: 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 Position Location - This role is available in the following locations: Remote, USA, San Mateo,CA, Columbus, OH 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; #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;$217,000 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Marketplace 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; and Austin, Texas. 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 a Staff Analyst on the Product Analytics team at Upstart, you’ll be responsible for driving understanding, insights, decision-making, and data infrastructure relating to the development, optimization, and enhancement of our Personal Loans product. You’ll partner with our Product Management, Engineering, Data Science, and Marketing teams to drive Upstart’s product innovation and growth. How you’ll make an impact: Develop and execute data-driven strategies to guide the growth and evolution of the Personal Loans product. Design, build, and maintain analytics frameworks that help measure product performance, user behavior, and loan outcomes. Guide the measurement roadmap for product initiatives by collaborating closely with Product Managers. You'll lead the design and execution of robust experimentation strategies, including A/B testing and causal inference, to accurately measure impact and drive data-driven product evolution. Conduct deep-dive analyses and modeling to uncover growth opportunities, optimize loan performance, and enhance risk strategies. Communicate insights and recommendations effectively to both technical and non-technical stakeholders, influencing product and business decisions Minimum qualifications: 8+ years of experience in product analytics, data science, or a related quantitative role, preferably in fintech, lending, or consumer finance BS in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science) Proficiency in data analysis tools (SQL, Python / R, Looker / Mode / Tableau, etc.) Experience with A/B testing, causal inference, and experimental design to drive product decisions. Ability to influence product, engineering, and leadership teams through compelling storytelling with data. Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems 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 Background in statistical analysis, predictive modeling, or machine learning, with experience applying these to product or financial decision-making Position Location - This role is available in the following locations: Remote, San Mateo, Columbus&nbsp; 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. What you’ll love:&nbsp; Competitive Compensation (base + bonus &amp; equity) Comprehensive medical, dental, and vision coverage Personal Development and Technology &amp; Ergonomic Budgets&nbsp; Life insurance and disability benefits&nbsp; Clubs and Activities&nbsp; (Game Nights, Fitstarters, Superwomen, Book Club, Investing Club, Money Discussions, Photography Club and Basketball teams)&nbsp; Generous vacation policy 401(k) and Employee Stock Purchase Plan (ESPP) Catered lunches + snacks &amp; drinks &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$157,000&mdash;$217,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Personal Loans

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; and Austin, Texas. 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 Every year, millions of Americans turn to high-cost payday loans to cover short-term cash needs, often paying excessive fees and interest. Upstart’s Small Dollar Loan product offers a fair-priced, non-predatory alternative for those deemed "too risky" by traditional lenders. Operating like a startup within a larger company, our team moves quickly to refine our ML models, automate the customer experience, and scale the business. Since launching in April 2022, we've expanded access to credit for tens of thousands of customers while proving strong unit economics—and we’re just getting started. As a Staff Analyst at Upstart, you will play a critical role in driving data-driven decision-making for our Small Dollar Loan product. Partnering with Product, Engineering, and Data Science, you’ll uncover insights, shape strategy, and enhance our data infrastructure to optimize product performance. Your work will directly influence Upstart’s continued growth, ensuring our product evolves to better serve customers while scaling efficiently. How you’ll make an impact Lead the development of data-driven strategies to guide the growth and evolution of the Small Dollar Loan product. Collaborate with Product and GM to shape product roadmaps and business strategies, ensuring data-driven decisions at every stage. Design, build, and maintain analytics frameworks that help measure product performance, user behavior, and loan outcomes. Conduct deep-dive analyses and modeling to uncover growth opportunities, optimize loan performance, and enhance risk strategies. Define and implement experimentation strategies (A/B testing, causal inference) to improve customer experience and financial outcomes. Communicate insights and recommendations effectively to both technical and non-technical stakeholders, influencing product and business decisions. Minimum Qualifications&nbsp; 8+ years of experience in product analytics, data science, or a related quantitative role, preferably in fintech, lending, or consumer finance. BS in a quantitative field (e.g., Statistics, Economics, Computer Science, Data Science) Strong proficiency in SQL and Python (or R) for data analysis, modeling, and automation. Experience with A/B testing, causal inference, and experimental design to drive product decisions. Excellent communication skills with a proven ability to present complex data insights in a clear and actionable manner. Preferred Qualifications Experience working with lending products, risk modeling, or financial services analytics. Understanding of data modeling principles, including designing scalable and efficient analytical models Ability to influence product, engineering, and leadership teams through compelling storytelling with data. Comfort with ambiguity and a strategic mindset for solving complex, unstructured problems. Position Location - This role is available in the following locations: Remote Time Zone Requirements - 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; #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$157,000&mdash;$217,500 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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, Small Dollar Loan

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; and Austin, Texas. 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 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 Staff Applied Machine Learning 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. Position Location - This role is available in the following locations: San Mateo, Columbus, Austin, 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; 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 &nbsp; What we’re looking for:&nbsp; Minimum qualifications: 6+ 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 &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&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$178,400&mdash;$246,800 USDUpstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.&nbsp; 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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