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!

upstart

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:&nbsp;</strong></p>
<p>Cash Line sits at the center of Upstart's mission to expand access to credit. As the <strong>Principal Product Manager, Cash Line</strong>, you will own our newest product end-to-end as&nbsp; we’re proving out product-market fit. The choices you’ll make will directly determine whether our customers get access to money they need, when they need it, in ways that build greater financial stability for them and a strong business for Upstart.&nbsp; Your mandate will matter, you will have real ownership, and we want you to&nbsp; build&nbsp; something category-defining from the ground up.&nbsp;</p>
<p><strong>How you’ll make an impact</strong></p>
<ul>
<li>Set the strategy for a fast-growing credit product, balancing what's good for customers with what makes a healthy business, navigating some of the hardest tradeoffs in Fintech.&nbsp;</li>
<li>Turn insight into how people actually behave into product features that reward trust and unlock more value over time.</li>
<li>Partner with Design, Engineering, ML,&nbsp; Risk, Finance, and Analytics to translate business and financial goals&nbsp; into a roadmap the team can execute against.</li>
<li>Monitor the competitive landscape and adjust product and pricing decisions to keep Cash Line's offering competitive.</li>
<li>Connect product decisions directly to business outcomes including contribution margin and cohort economics, operating with the accountability of a business leader as Cash Line matures.</li>
<li>Leverage Upstart's existing underwriting, capital, and ecosystem strengths to grow Cash Line, while operating with the speed needed for a team still proving product-market fit.</li>
<li>Set success metrics and use them to prioritize the highest-ROI opportunities, experimenting where an experiment is the right way to decide.</li>
</ul>
<p><strong>Minimum Qualifications&nbsp;</strong></p>
<ul>
<li>8+ years of product management experience, including at least 2 years owning the strategy and roadmap for a business line or major consumer-facing initiative with direct revenue or unit-economics accountability.</li>
<li>Experience taking a 0-to-1 or early-stage product from initial launch through proving product-market fit, including defining MVP scope and iterating based on data and feedback.</li>
<li>Exceptional quantitative judgment, with the ability to assess funnel data, segment behavior, size opportunities, interpret experiments, and recognize unintended downstream effects.&nbsp;</li>
<li>Track record of leading complex cross-functional initiatives and aligning diverse stakeholders, from executive leaders to cross-functional partners, without relying on organizational authority.&nbsp;</li>
<li>Strong experimentation instincts, including hypothesis development, experiment design, A/B testing, results analysis, and knowing when a test is (or is not) the right decision-making mechanism.&nbsp;</li>
<li>Strong consumer product intuition, particularly around high-consideration decisions involving trust, uncertainty, or meaningful tradeoffs</li>
</ul>
<p><strong>Preferred Qualifications</strong></p>
<ul>
<li>Experience with subscription-based businesses.&nbsp;</li>
<li>Experiences building products or features that shape consumer habits.&nbsp;</li>
<li>Experience in consumer finance, fintech, or another regulated industry.</li>
<li>Experience working with Machine Learning.</li>
</ul>
<p><strong>Position location</strong> This role is available in the following locations: Remote</p>
<p><strong>Time zone requirements</strong> The team operates on the East/West coast time zones.</p>
<p><strong>Travel requirements</strong> 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.</p>
<p>&nbsp;</p>
<p>#LI-REMOTE</p>
<p>#LI-MidSenior</p><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$187,900</span><span class="divider">&mdash;</span><span>$260,000 USD</span></div></div><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">Canada | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$182,800</span><span class="divider">&mdash;</span><span>$230,000 CAD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Principal Product Manager, Cash Line

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><h2><strong>The Team</strong></h2>
<p>Upstart’s Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own.</p>
<p>Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact.</p>
<p>SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build.</p>
<h2><strong>The Role</strong></h2>
<p>As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment.</p>
<p>You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering.</p>
<p>We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage.</p>
<h2><strong>How you’ll make an impact</strong></h2>
<ul>
<li>Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems</li>
<li>Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on</li>
<li>Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals</li>
<li>Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures</li>
<li>Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation</li>
<li>Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency</li>
</ul>
<h2><strong>Minimum Qualifications</strong></h2>
<ul>
<li>3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline</li>
<li>Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript</li>
<li>Experience designing, building, testing, and operating production software, internal tooling, or infrastructure</li>
<li>Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations</li>
<li>Experience participating in on call or incident response for production systems</li>
<li>Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams</li>
<li>Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance</li>
</ul>
<h2><strong>Preferred Qualifications</strong></h2>
<ul>
<li>Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments</li>
<li>Experience building internal reliability, observability, incident management, or operational automation tools</li>
<li>Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies</li>
<li>Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness</li>
<li>Experience operating distributed applications with complex dependencies and high availability requirements</li>
<li>Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation</li>
</ul>
<p><strong>Position location</strong> This role is available in the following locations: Remote</p>
<p><strong>Travel requirements</strong> 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.</p>
<p><span style="font-weight: 400;">&nbsp;</span></p>
<p><span style="font-weight: 400;">#LI-REMOTE</span></p>
<p><span style="font-weight: 400;">#LI-Associate</span></p>
<div id="te-floating-button-container"></div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$142,000</span><span class="divider">&mdash;</span><span>$196,600 USD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Software Engineer, Site Reliability

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:&nbsp;</strong></p>
<p>Upstart's Machine Learning and Simulations Platform team builds and operates the infrastructure behind ML model training, features engineering, inference, and marketplace simulation. Our simulation platform answers one question before any change reaches a borrower: what would this new ML model, price, or fee have produced for real applicants? It replays historical data through production pricing logic in isolated environments, and it is now the shared tool every machine learning team at Upstart uses to size the impact of a launch. Our priorities are reliability teams can bet a launch on, fidelity to production we can prove, cost per simulation stays in check as usage grows, and coverage that extends across the lending funnel and into new loan products.</p>
<p>As the Senior Engineering Manager, Machine Learning Simulations at Upstart, you will lead the team that owns this platform. Today machine learning teams run roughly a thousand simulations a month on it. Your job is to make it production-grade, cut its cost while usage doubles, and open it to Analytics and Finance teams who need the same answers about pricing and portfolio strategy. You will work across machine learning, pricing, product, analytics, and infrastructure teams, many of whom own the logic your platform has to reproduce faithfully.</p>
<p><strong>How you’ll make an impact</strong></p>
<ul>
<li>Own the engineering roadmap for Upstart's marketplace simulation platform, and decide which teams and use cases it serves next</li>
<li>Lead, coach, and grow a team of engineers working across distributed services, offline data pipelines, and large-scale compute</li>
<li>Raise simulation reliability and accuracy to a level teams trust for launch decisions, including automated checks that detect drift between simulated and production results</li>
<li>Reduce the cost of each simulation as usage grows, through smart architecture and compute choices</li>
<li>Extend simulation coverage across the lending funnel and into new loan products, partnering with the teams who own each stage of pricing and decisioning logic</li>
<li>Turn recurring questions from machine learning, analytics, and capital markets partners into self-serve simulation workflows</li>
</ul>
<p><strong>Minimum Qualifications&nbsp;</strong></p>
<ul>
<li>Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience</li>
<li>8+ years of software engineering experience, including 3+ years of engineering management experience</li>
<li>Experience leading engineering teams that build and operate backend platforms or distributed systems in production</li>
<li>Experience delivering platform or infrastructure programs that span multiple teams</li>
<li>Proficiency with some or many of the following: Python, Kotlin, AWS, Kubernetes, Databricks, Spark</li>
</ul>
<p><strong>Preferred Qualifications</strong></p>
<ul>
<li>Knowledge of simulation, backtesting, experimentation, or offline model evaluation systems</li>
<li>Experience supporting machine learning teams or operating MLOps infrastructure, including model inference, workflow orchestration, and offline feature pipelines</li>
<li>Knowledge of lending, pricing, credit risk, or marketplace economics</li>
<li>Ability to treat compute cost and efficiency as an engineering goal alongside reliability</li>
<li>Ability to build shared platforms where partner teams own part of the logic, and to keep those interfaces steady as systems evolve</li>
<li>Experience developing senior engineers and emerging engineering leaders</li>
</ul>
<p><strong>Position location</strong> This role is available in the following locations: Remote&nbsp;</p>
<p><strong>Time zone requirements</strong> The team operates on the East/West coast time zones.</p>
<p><strong>Travel requirements</strong> 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.</p>
<p><span style="font-weight: 400;">&nbsp;</span></p>
<p><span style="font-weight: 400;">#LI-REMOTE</span></p>
<p><span style="font-weight: 400;">#LI-MidSenior&nbsp;</span></p>
<div id="te-floating-button-container"></div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$195,300</span><span class="divider">&mdash;</span><span>$270,400 USD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Sr. Manager, Software Engineering - Machine Learning Simulations

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:</strong></p>
<p>Upstart's Core Pricing team drives key initiatives that directly influence our revenue streams, unit economics, and product strategy. The team builds and evolves the common systems used to translate underwriting insights into accurate risk and profitability decisions for every loan we originate, while enabling a seamless borrower experience across products.</p>
<p>As a Principal Software Engineer on Core Pricing, you will provide technical leadership that spans engineering, machine learning, and product organizations — not just the Pricing team. You will shape the long-term architecture, strategy, and operating model for pricing systems that serve multiple product lines and stakeholders across the company. Working in close partnership with engineering, ML, product, and business leaders across Personal Loans, Auto, HELOC, and adjacent platforms, you will lead the development of scalable, low-latency, highly reliable services that convert ML underwriting outputs into pricing decisions, and you will help define the future of Upstart's pricing platform as the company expands into new products, markets, and capabilities.</p>
<p>Our stack spans Python (Django, FastAPI, Celery), Kotlin/Spring Boot, gRPC/Protobuf, Temporal for workflow orchestration, AWS (S3, RDS/Postgres, ElastiCache), Kubernetes/Helm, and Datadog for observability.</p>
<p><strong>How you'll make an impact</strong></p>
<ul>
<li>Define the cross-company technical vision and roadmap for Upstart's pricing platform, ensuring alignment across Pricing, Personal Loans, Auto, HELOC, ML, and Product organizations.</li>
<li>Lead the architectural evolution from tightly coupled, sequential workflows toward modular, reusable platform capabilities across loan products.</li>
<li>Design and improve Tier 0/Tier 1 services where latency, throughput, availability, and financial correctness are all critical.</li>
<li>Partner closely with machine-learning scientists and engineers to create reliable, scalable boundaries between models and production pricing systems.</li>
<li>Balance the sometimes-competing needs of engineering, machine learning, and product teams across organizations, making pragmatic trade-offs that serve Upstart's broader technical and business strategy.</li>
<li>Clarify service, API, configuration, and ownership boundaries across Pricing, Personal Loans, Auto, HELOC, and adjacent platform teams.</li>
<li>Evaluate runtime and language choices pragmatically, including where Python, Kotlin, Rust or Go best serve long-term system needs.</li>
<li>Reduce operational burden through better testing, observability, failure isolation, incident learning, and architecture that limits blast radius.</li>
<li>Lead company-wide technical discussions, surface trade-offs clearly, and build alignment across Engineering, ML, Product, Data, Security, Compliance, and business partners.</li>
<li>Stay close to implementation through design reviews, prototypes, and critical code while mentoring senior technical leaders and making the people around you more successful.</li>
<li>Prioritize technical-debt and platform investments based on business value, risk reduction, and long-term return rather than technical elegance alone.</li>
</ul>
<p><strong>Minimum Qualifications</strong></p>
<ul>
<li>Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field - or equivalent practical experience - plus 8 or more years of software engineering experience.</li>
<li>A track record of setting architecture and technical direction for large, complex distributed systems used across multiple teams or products.</li>
<li>Deep backend engineering experience and production proficiency in at least one of Python, Kotlin, or Java; willingness and ability to work effectively in a predominantly Python environment.</li>
<li>Experience designing or operating Tier 0/Tier 1 services with demanding latency, throughput, availability, and correctness requirements.</li>
<li>Strong understanding of APIs, service-oriented or modular architectures, containerization, cloud infrastructure (e.g., AWS), and maintainable software design.</li>
<li>Hands-on technical judgment: you can move from strategy and architecture into concrete designs, prototypes, debugging, and critical implementation decisions.</li>
<li>Strong communication skills and the ability to explain complex systems, constraints, and trade-offs to technical and nontechnical audiences.</li>
<li>Demonstrated success leading cross-organization technical decisions — balancing the needs of engineering, machine learning, and product teams — and influencing without direct authority.</li>
<li>Experience mentoring senior engineers and expanding the effectiveness and scope of other technical leaders.</li>
<li>Strong product and business judgment, including the ability to balance delivery, reliability, technical debt, risk, and long-term investment.</li>
</ul>
<p><strong>Preferred Qualifications</strong></p>
<ul>
<li>Experience building calculation-heavy, real-time decisioning, pricing, marketplace, risk, fraud, payments, trading, auction, or advertising systems.</li>
<li>Experience partnering with machine-learning teams or productionizing models at scale, including clear boundaries between modeling workflows and production services.</li>
<li>Experience modernizing a mature or tightly coupled platform through staged migration while continuing to deliver customer and business value.</li>
<li>Experience with AWS, Kubernetes, microservices, event-driven systems, and production observability.</li>
<li>Additional production experience with Rust or another performance-oriented language.</li>
<li>Background or applied exposure in statistics, mathematics, economics, econometrics, financial systems, or other quantitative domains.</li>
<li>Experience in a rapidly scaling or changing organization where architecture had to evolve alongside the business.</li>
</ul>
<p><strong>Position location</strong>&nbsp;Remote&nbsp;</p>
<p><strong>Travel requirements</strong> 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.</p>
<p><span style="font-weight: 400;">#LI-REMOTE<br></span><span style="font-weight: 400;">#LI-MidSenior<br></span></p>
<div id="te-floating-button-container"></div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$195,300</span><span class="divider">&mdash;</span><span>$270,400 USD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Principal Software Engineer, Pricing Platform

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:&nbsp;</strong></p>
<p>The Machine Learning and Simulations Platform (MLSP) team builds and operates the core infrastructure that powers ML model training,feature engineering,&nbsp; inference, and marketplace simulation at Upstart. Every underwriting, fraud, conversion, and verification model runs on this platform. We own the full production path: the data and features that feed a model, the infrastructure that serves it at decision time, the tooling that deploys it, and the simulation systems that predict business impact before a change goes live.</p>
<p>We are reimagining that platform to keep pace with our ML teams. That work spans low latency and GPU model serving, self-service model deployment, a feature platform that gives ML one place to define and serve production features, and high fidelity marketplace simulation. The team partners closely with ML, Engineering, Product, Data Platform.</p>
<p>As a Senior Software Engineer on the ML and Simulations Platform team at Upstart, you will be responsible for building an MLOps platform to support machine learning model inference, process automation, model deployment, and observability. Machine Learning is critical to Upstart’s core business, and our greatest competitive advantage lies in the fact that we’re able to innovate on our AI engine quickly. You will also help build a&nbsp; marketplace simulation platform to support rapid innovation across ML and Finance teams.</p>
<p>How you’ll make an impact</p>
<ul>
<li>Build, maintain, and optimize&nbsp; Upstart’s next-generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning.</li>
<li>Develop&nbsp; high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business</li>
<li>Build self-service tooling so ML teams can register features and deploy models independently, and reduce the manual work the platform team absorbs today.</li>
<li>Deliver the data and feature infrastructure behind every model, including feature definition, storage, serving, and offline to online parity.</li>
<li>Design and contribute to&nbsp; our simulation systems to more accurately reflect production environments, reducing simulation cost and enabling broader usage across teams.</li>
<li>Communicate closely with cross-functional partners from&nbsp; ML, Engineering, Product, and Data Engineering&nbsp; teams, keeping all stakeholders informed</li>
<li>Mentor engineers across the team, sharing expertise on distributed systems,MLOps,&nbsp; and scalable architecture.</li>
</ul>
<p><a href="https://docs.google.com/document/d/1QywurR4KBaA7Gy6JRvKdQNdjtLsnmGJ4vtv8vmcE-XA/edit?tab=t.4n9ts7b53c0o#bookmark=id.jloa0k1jb1im"><strong>Minimum Qualifications&nbsp;</strong></a></p>
<ul>
<li>6+ years of software engineering experience.</li>
<li>Experience building and maintaining backend software services and APIs.</li>
<li>Experience with distributed systems or large scale data processing, using Spark, Databricks, Ray, or an equivalent.</li>
<li>Experience with an ML platform or the ML production path, such as training pipelines, model serving, feature pipelines, or a training data platform.</li>
<li>Proficiency with some or many of the following: Python, Kotlin, Databricks, and AWS.</li>
<li>Exhibits a growth mindset. You pick up new technologies that fit the task, and you learn from others.</li>
<li>Ability to quickly comprehend complex requirements from ML, product, or engineering leadership, and translate them for both technical and non-technical partners.</li>
</ul>
<p><a href="https://docs.google.com/document/d/1QywurR4KBaA7Gy6JRvKdQNdjtLsnmGJ4vtv8vmcE-XA/edit?tab=t.4n9ts7b53c0o#bookmark=id.jloa0k1jb1im"><strong>Preferred Qualifications</strong></a></p>
<ul>
<li>Skill with Metaflow, MLflow, gRPC, Spark/PySpark, dbt, Ray, GPU</li>
<li>Knowledge of simulation, experimentation, or backtesting systems.</li>
<li>Experience building self-serve or configuration driven tooling for internal users.</li>
<li>Excellent quantitative reasoning skills with interest in working at the intersection of engineering and machine learning.</li>
<li>Strong sense of ownership and accountability for the quality and timely delivery of work.</li>
<li>Excellent written and verbal communication skills with partners, peers, and product owners.</li>
<li>Ability to thrive in self-directed work and in collaborative settings, contributing positively to team dynamics.</li>
</ul>
<p><strong>Position location</strong> This role is available in the following locations: Remote&nbsp;</p>
<p><strong>Time zone requirements</strong> The team operates on the East/West coast time zones.&nbsp;</p>
<p><strong>Travel requirements</strong> 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.</p>
<p><span style="font-weight: 400;">&nbsp;</span></p>
<p><span style="font-weight: 400;">#LI-REMOTE</span></p>
<p><span style="font-weight: 400;">#LI-MidSenior</span></p>
<p>&nbsp;</p>
<div id="te-floating-button-container"></div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$166,900</span><span class="divider">&mdash;</span><span>$230,000 USD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Senior Software Engineer - Machine Learning Platform

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:&nbsp;</strong></p>
<p>Upstart’s Delivery team enables engineers to ship software to production safely, reliably, and with minimal friction. We build and operate the platforms and workflows that support release, deployment, production rollout, and rollback, while giving engineering teams clear visibility into what is changing and how those changes are performing.</p>
<p>Our goal is to make software delivery predictable and self-service by creating reusable deployment capabilities, automating common operational decisions, and making the state of software in production easy to understand. We partner closely with Developer Platform, Cloud Platform, Site Reliability Engineering, Security, and product engineering teams.</p>
<p>As a <strong>Software Engineer II, Delivery </strong>at Upstart, you will build and operate the systems engineers use to release and deploy software to production. You’ll independently deliver well-scoped engineering projects, contribute to technical design, and improve the reliability and usability of systems that sit directly in the path to production.</p>
<p><strong>How you’ll make an impact</strong></p>
<ul>
<li>Build and improve services, automation, and developer tooling that enable engineering teams to safely release and deploy software to production</li>
<li>Develop reliable deployment capabilities, including progressive rollouts, deployment health analysis, and automated rollback, to reduce the risk of production changes</li>
<li>Improve visibility into releases, deployments, configuration, and production state so engineers can understand what changed, where it changed, and how it is performing</li>
<li>Improve the reliability, performance, observability, and usability of Delivery systems by diagnosing recurring issues and implementing durable improvements</li>
<li>Replace manual or fragmented release workflows with reusable, self-service capabilities that make the common path to production simple and consistent</li>
<li>Use AI throughout software development and problem solving, and identify opportunities for AI-enabled automation that makes software delivery safer, faster, and easier to operate</li>
</ul>
<p><strong>Minimum Qualifications&nbsp;</strong></p>
<ul>
<li>Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent), plus 3 years of professional software engineering experience</li>
<li>Experience developing production software using one or more general-purpose programming languages</li>
<li>Experience designing, building, testing, and operating production software or infrastructure</li>
<li>Experience working with cloud infrastructure, distributed systems, deployment systems, developer tooling, or backend services</li>
<li>Experience independently delivering well-scoped software engineering projects from technical design through production operation</li>
<li>Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance</li>
</ul>
<p><strong>Preferred Qualifications</strong></p>
<ul>
<li>Experience with Kubernetes, AWS, containers, and infrastructure as code</li>
<li>Knowledge of deployment platforms, release automation, internal developer platforms, or developer tooling</li>
<li>Experience with progressive delivery practices such as canary deployments, automated health analysis, and rollback</li>
<li>Experience with GitOps or deployment technologies such as Argo CD, Helm, or similar systems</li>
<li>Experience using AI-assisted development tools across the software engineering lifecycle or building AI-enabled developer workflows and automation</li>
</ul>
<p><strong>Position location</strong> This role is available in the following locations: Remote</p>
<p><strong>Travel requirements</strong> 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.</p>
<p><span style="font-weight: 400;">#LI-REMOTE</span></p>
<p><span style="font-weight: 400;">#LI-Associate</span></p>
<div id="te-floating-button-container"></div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$142,000</span><span class="divider">&mdash;</span><span>$196,600 USD</span></div></div><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">Canada | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$136,000</span><span class="divider">&mdash;</span><span>$165,000 CAD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Software Engineer II, Delivery

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:&nbsp;</strong></p>
<p>Help Upstart become the world’s most radically pro-consumer company in finance! Upstart’s <strong>Experimentation Platform team</strong> is building shared foundations that make experimentation easier, more reliable, and more valuable across the company. The team partners closely with Machine Learning, Analytics, product, and engineering teams to bring greater coherence to Upstart’s experimentation capabilities, improve experimentation rigor, and enable teams to learn and innovate faster.</p>
<p>As the <strong>Principal Product Manager, Experimentation Platform</strong>, you will co-lead this emerging platform area with cross-functional partners, shaping both its long-term strategy and the capabilities teams rely on today. You’ll help unify experimentation across teams, expand model deployment and experimentation capabilities, and establish practices that enable Upstart to scale experimentation with greater confidence.</p>
<p><strong>How you’ll make an impact</strong></p>
<ul>
<li><strong>Define and drive the strategy and roadmap</strong> for Upstart’s experimentation platform, balancing immediate business needs with a scalable, long-term platform vision supportive of agentic products.</li>
<li><strong>Collaborate with Machine Learning</strong>, Analytics, and Engineering to build shared experimentation capabilities, including approaches for randomized experiments, model deployments, feature flags, and other emerging patterns.</li>
<li><strong>Create common abstractions and guardrails</strong> that reduce fragmentation, improve experimentation quality, and make it easier for product and engineering teams to test and learn.</li>
<li><strong>Establish a center of excellence</strong> for experimentation by defining standards, improving functional rigor, and enabling teams across Upstart to adopt effective experimentation practices.</li>
<li><strong>Partner with stakeholder teams</strong> across Growth, Servicing, Capital, and Upstart’s broader organization to understand needs, prioritize opportunities, and drive adoption of shared capabilities.</li>
<li><strong>Guide Upstart’s approach to experimentation technology</strong> and vendor partnerships, evaluating where external solutions and internally developed capabilities best support the platform strategy.</li>
</ul>
<p><strong>Minimum Qualifications&nbsp;</strong></p>
<ul>
<li><strong>Bachelor’s degree</strong> in Computer Science, Engineering, Mathematics, Statistics, or a related field (or equivalent practical experience) and 7+ years of product management experience.</li>
<li><strong>Experience owning strategy and roadmaps</strong> for technically complex software, platform, infrastructure, data, or developer-facing products.</li>
<li><strong>Experience partnering with engineering</strong>, data science, Machine Learning, or Analytics teams on technical product architecture, tradeoffs, and delivery.</li>
<li><strong>Experience applying quantitative methods</strong>, including statistics, experimentation, analytics, or data science, to product development and decision-making.</li>
<li><strong>Experience developing platforms</strong> that support Machine Learning or AI workflows, including deployment, measurement, or experimentation.</li>
</ul>
<p><strong>Preferred Qualifications</strong></p>
<ul>
<li><strong>Experience building or leading an experimentation platform product</strong>, either within a consumer technology company or at an experimentation technology provider.</li>
<li><strong>Knowledge of experimentation methodologies</strong>, including randomized experiments, feature flags, model experimentation, metric design, and statistical evaluation.</li>
<li><strong>Ability to develop platform strategies</strong> that connect shared technical capabilities to broader company and product priorities.</li>
<li><strong>Ability to communicate</strong> complex technical and quantitative concepts to audiences ranging from engineers and data scientists to senior leaders.</li>
<li><strong>Ability to build alignment</strong> across multiple product and technical teams and establish shared practices in a distributed organization.</li>
</ul>
<p>&nbsp;</p>
<p><strong>Position location</strong> This role is available in the following locations: Remote</p>
<p><strong>Time zone requirements</strong> The team operates on the East/West coast time zones.</p>
<p><strong>Travel requirements</strong> 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.</p>
<p>&nbsp;</p>
<p><span style="font-weight: 400;">#LI-REMOTE</span></p>
<p><span style="font-weight: 400;">#LI-MidSenior</span></p>
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<div id="te-floating-button-container"></div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$187,900</span><span class="divider">&mdash;</span><span>$260,000 USD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Principal Product Manager, Experimentation Platform

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:&nbsp;</strong></p>
<p>Upstart’s Capital Platform team builds the systems that enable capital to flow through Upstart’s marketplace reliably, transparently, and at scale. The team owns the core platform capabilities used by banks, credit unions, and institutional investors to onboard, configure programs, execute originations and loan sales, and monitor portfolio performance.&nbsp;Operating at the intersection of product, engineering, capital markets, finance, and compliance, the Capital Platform team focuses on building enterprise-grade, configurable, and reusable infrastructure that supports a growing and increasingly diverse set of capital partners across products.</p>
<p>This team is responsible for foundational platform capabilities including partner integrations, capital execution workflows, and capital insights and reporting — with an increasing emphasis on white-label and embedded capital solutions that allow partners to leverage Upstart’s technology within their own ecosystems.</p>
<p><strong>As a Principal Product Manager, Capital Platform,</strong> you will be a senior, hands-on individual contributor owning strategy and execution for one of Upstart’s most complex and high-impact capital platform problem spaces.</p>
<p>This role is well suited for a Staff+ IC who thrives in ambiguity, enjoys building enterprise-grade platforms from first principles, and wants to shape how lenders and investors integrate with Upstart at scale. You will lead multi-quarter initiatives that cut across product, engineering, finance, and compliance, and deliver durable, extensible systems that serve both current and future capital partners.</p>
<p><strong>How you’ll make an impact</strong></p>
<ul>
<li>Own the strategy, roadmap, and execution for a major Capital Platform problem space with material business impact</li>
<li>Lead multi-quarter, cross-team initiatives that require deep systems thinking and operate under significant ambiguity</li>
<li>Design scalable, configurable platform capabilities that serve a diverse set of capital partners without fragmentation or bespoke delivery</li>
<li>Partner deeply with engineering to define product architecture, tradeoffs, sequencing, and long-term evolution of capital platform systems</li>
<li>Influence adjacent platform and vertical teams to ensure capital partner needs are consistently met across products</li>
<li>Use data, customer insight, and domain knowledge to make high-conviction product decisions and prioritize effectively</li>
<li>Deliver durable, enterprise-grade solutions that meet reliability, compliance, and operational requirements</li>
</ul>
<p><strong>Minimum Qualifications&nbsp;</strong></p>
<ul>
<li>7+ years of product management experience, or equivalent demonstrated scope and impact owning complex, multi-quarter initiatives</li>
<li>Demonstrated experience leading initiatives at a Principal / Staff-level individual contributor scope</li>
<li>Proven track record designing and shipping platforms or shared systems, not just standalone features</li>
<li>Experience working with complex B2B or B2B2C workflows (e.g., onboarding, configuration, payments, compliance, reporting)</li>
<li>Ability to operate effectively in regulated, high-reliability environments</li>
<li>Strong technical fluency and experience partnering closely with engineering on architecture and system design tradeoffs</li>
<li>Ability to drive alignment and execution across multiple teams and stakeholders without formal authority</li>
<li>Bachelor’s degree or equivalent practical experience in a technical, analytical, or business-related field</li>
</ul>
<p><strong>Preferred Qualifications</strong></p>
<ul>
<li>Experience building enterprise-grade platforms or infrastructure products, particularly in financial services, fintech, or regulated domains</li>
<li>Experience with zero-to-one product development, including defining problem spaces, validating solutions, and scaling initial implementations</li>
<li>Familiarity with capital markets, lending, or financial operations workflows</li>
<li>Experience building or evolving data platforms, reporting systems, or analytics products</li>
<li>Background working in high-growth or scaling technology companies</li>
<li>Prior collaboration with machine learning, data science, or advanced analytics teams</li>
</ul>
<p>&nbsp;</p>
<p><strong>Position location</strong> This role is available in the following locations: Remote</p>
<p><strong>Time zone requirements</strong> The team operates on the East/West coast time zones.</p>
<p><strong>Travel requirements</strong> 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.</p>
<p>&nbsp;</p>
<p>#LI-REMOTE</p>
<p>#LI-MidSenior</p><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$187,900</span><span class="divider">&mdash;</span><span>$260,000 USD</span></div></div><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">Canada | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$182,800</span><span class="divider">&mdash;</span><span>$230,000 CAD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Principal Product Manager, Capital Platform

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:&nbsp;</strong></p>
<p>Upstart’s Payments team, within the Servicing organization, maintains and improves the systems and experiences that help borrowers make payments in order to&nbsp; stay current on their loans&nbsp; and recover from delinquency. The team also builds scalable payments capabilities that enable teams across Upstart to create better experiences on top of shared platform primitives.</p>
<p>As the Senior Product Manager, Payments, you will own product strategy and execution across this space. You’ll work at the intersection of borrower outcomes and&nbsp; platform capabilities, helping define the evolving direction and boundaries of the Payments platform.</p>
<p><strong>How you’ll make an impact</strong></p>
<ul>
<li>Identify the highest-impact causes of payment failures and lead solutions that improve payment success and borrower outcomes.</li>
<li>Improve how we understand an individual borrower’s ability to repay, including through thoughtful use of third-party data sources.</li>
<li>Shape a scalable Payments platform that makes it easier for teams across Upstart to build Payments capabilities.</li>
<li>Balance near-term business impact with longer-term investment in reusable platform primitives, making thoughtful choices about where to iterate, address technical debt, or build from scratch.</li>
<li>Partner closely with Engineering, Data Analytics, Machine Learning, Design, Compliance, and product leaders across Servicing to align priorities and deliver results.</li>
<li>Define priorities, success metrics, and a roadmap that connects platform leverage to borrower and business outcomes while identifying opportunities beyond incoming stakeholder requirements.</li>
</ul>
<p><strong>Minimum Qualifications&nbsp;</strong></p>
<ul>
<li>5+ years of product management experience owning strategy, roadmap, metrics, and delivery for a technical, transactional, or customer-facing product.</li>
<li>Experience working with payments, money movement, loan servicing, billing, or a related financial product.</li>
<li>Experience using quantitative analysis to diagnose product problems, evaluate tradeoffs, and guide product decisions.</li>
<li>Experience partnering with Engineering and cross-functional teams to deliver products, systems, or platform capabilities.</li>
</ul>
<p><strong>Preferred Qualifications</strong></p>
<ul>
<li>Experience building or scaling a platform used by internal product or engineering teams.</li>
<li>Experience increasing leverage from&nbsp; existing systems to drive business impact.</li>
<li>Experience in consumer finance, fintech, or another regulated industry.</li>
<li>Experience working with Machine Learning.</li>
<li>Experience balancing near-term customer or business outcomes with longer-term platform investment.</li>
<li>Familiarity with using GenAI thoughtfully to improve product development, decision-making, or customer experiences.</li>
</ul>
<p>&nbsp;</p>
<p><strong>Position location</strong> This role is available in the following locations: Remote</p>
<p><strong>Travel requirements</strong> 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.</p>
<p>&nbsp;</p>
<p><span style="font-weight: 400;">#LI-REMOTE</span></p>
<p><span style="font-weight: 400;">#LI-MidSenior&nbsp;</span></p>
<div id="te-floating-button-container"></div>
<div id="te-floating-button-container"></div>
<div id="te-floating-button-container"></div>
<div id="te-floating-button-container"></div>
<div id="te-floating-button-container"></div>
<div id="te-floating-button-container"></div>
<div id="te-floating-button-container"></div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$162,100</span><span class="divider">&mdash;</span><span>$224,500 USD</span></div></div><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">Canada | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$153,000</span><span class="divider">&mdash;</span><span>$190,000 USD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

Senior Product Manager, Payments

<div class="content-intro"><p><strong>About Upstart</strong></p>
<p>At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.</p>
<p>As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.</p>
<p>We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.</p>
<p>If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.</p></div><p><strong>The Team:&nbsp;</strong></p>
<p>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.</p>
<p>As a Principal Product Manager, you will own the strategy and evolution of Upstart's end-to-end credit conversion experience, helping users move from intent, to the right credit offering, to approval and funding. You'll identify and solve the highest-leverage points of friction across the funnel, creating an experience that feels intelligently matched, transparent, and human while driving meaningful growth for the business.</p>
<p>This is a role with room to take big swings. Upstart has built a strong optimization muscle, and the next chapter is less about tuning individual screens and more about fundamentally rethinking how we engage users on their way to getting funded and achieving their financial goals.</p>
<p>&nbsp;</p>
<p><strong>How you’ll make an impact</strong></p>
<ul>
<li>Own and evolve the strategy for Upstart's end-to-end conversion experience, from application start through offer acceptance and beyond.</li>
<li>Take on the hardest conversion problems with a customer-first mindset, such as helping users whose offer differs from what they requested understand their options and move forward with confidence.</li>
<li>Optimize across Upstart's credit portfolio, growing the core personal loan business while helping users find the product that best fits their needs.</li>
<li>Set the success metrics for your area and use them to prioritize the highest-ROI opportunities, experimenting where an experiment is the right way to decide.</li>
<li>Turn data into decisions, segmenting aggressively since aggregate conversion rates often mask very different user problems.</li>
<li>Build deep customer understanding alongside research, consumer insights, and product marketing so the borrower experience feels intuitive and human.</li>
<li>Influence without direct authority across engineering, design, analytics, ML, marketing, compliance, and executive leadership, creating clarity where ownership crosses teams.</li>
<li>Use GenAI as a real extension of your toolkit: synthesizing qualitative inputs, running exploratory analysis, and prototyping concepts to sharpen product conversations.</li>
</ul>
<p><strong>What we're looking for</strong></p>
<ul>
<li><strong>Minimum Qualifications&nbsp;</strong>
<ul>
<li>8+ years of product management experience, including significant B2C ownership of high-scale mobile and desktop consumer experiences with proven business impact</li>
<li>Demonstrated success materially improving a complex conversion funnel through a combination of product strategy, experimentation, analytics, and customer insight, with a track record of leading a team to specific KPIs (e.g., conversion improvements, revenue)</li>
<li>Exceptional quantitative judgment, with the ability to assess funnel data, segment behavior, size opportunities, interpret experiments, and recognize unintended downstream effects</li>
<li>Strong experimentation instincts, including hypothesis development, experiment design, A/B testing, funnel and results analysis, and knowing when a test is (or is not) the right decision-making mechanism</li>
<li>Strong consumer product intuition, particularly around high-consideration decisions involving trust, uncertainty, or meaningful tradeoffs</li>
<li>Ability to move fluidly, and quickly, between strategic questions (“What fundamentally prevents users from getting what they came for?”) and detailed product questions (“What exactly should happen on this screen for this user segment?”)</li>
<li>Track record of leading complex cross-functional initiatives and aligning diverse stakeholders, from executive leaders to cross-functional partners, without relying on organizational authority</li>
<li>Excellent written and verbal communication, including the ability to turn ambiguous problems into clear priorities and decisions<br><br></li>
</ul>
</li>
<li><strong>Preferred Qualifications</strong>
<ul>
<li>Experience in fintech, lending, financial services, marketplaces, insurance, or another regulated, high-consideration industry</li>
<li>Experience with personalization, recommendation systems, matching, pricing, or ML-powered consumer experiences</li>
<li>Familiarity with identity, bank linking, income verification, Plaid, or similar financial-data infrastructure</li>
<li>Proven track record of building and scaling multi-product ecosystems or marketplaces in a B2C environment</li>
</ul>
</li>
</ul>
<p><strong>Position location</strong> This role is available in the following locations: Remote&nbsp;</p>
<p><strong>Travel requirements</strong> 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.</p>
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<p><span style="font-weight: 400;">#LI-REMOTE</span></p>
<p><span style="font-weight: 400;">#LI-MidSenior</span></p>
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<div id="te-floating-button-container"></div><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$187,900</span><span class="divider">&mdash;</span><span>$260,000 USD</span></div></div><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">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.</span></p>
<p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">Canada | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$182,800</span><span class="divider">&mdash;</span><span>$230,000 CAD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p>
<p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p>
<ul>
<li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly&nbsp;</li>
<li>Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)</li>
<li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li>
<li>Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.</li>
<li>Health Savings Account contributions from Upstart for eligible plans (US only)</li>
<li>Income protection benefits, including life insurance and disability coverage for added financial security</li>
<li>Paid time off, sick leave, and company holidays, in line with local requirements</li>
<li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li>
<li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li>
<li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li>
<li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li>
<li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li>
<li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li>
<li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li>
<li>Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)</li>
</ul>
<p>For roles based in Canada, please note that we are not currently able to hire in Quebec.</p>
<p>Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.</p>
<p><em>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</em></p>
<p><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></p></div>

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