Careers at Upstart

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Cloud Platform team sits within the Reliability organization and is responsible for building and operating the shared cloud infrastructure that powers all product and machine learning workloads. The team owns core platform components across Kubernetes (EKS), AWS infrastructure, service mesh, identity, and developer tooling, enabling reliability, scalability, and security across the business. As a DevOps Engineer (L4) at Upstart, you will help evolve this platform to support increasing scale and complexity. You’ll partner closely with SRE, Delivery, InfoSec, and Product/ML teams to improve reliability, developer experience, and cost efficiency across a platform used by nearly every engineering team. How you’ll make an impact Design and operate a fleet of Kubernetes (EKS) clusters across production, staging, and ephemeral environments, ensuring reliability and high availability Evolve AWS infrastructure and network architecture (VPCs, subnets, IAM, account structure) to support scalable, multi-team workloads Build and maintain infrastructure-as-code and GitOps workflows using tools such as Terraform, CDK, and ArgoCD Improve platform reliability and performance by defining and driving SLOs, analyzing incidents, and implementing systemic fixes Participate in and help improve the on-call rotation, leading incident response and post-incident reviews to drive systemic platform improvements Partner with SRE, Delivery, InfoSec, and product/ML teams to land high-impact infrastructure changes and platform standards Drive improvements in developer experience by simplifying platform usage, reducing toil, and enabling faster product and ML development Contribute to cost efficiency initiatives by optimizing resource utilization across Kubernetes and cloud infrastructure Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 3+ years of professional experience 3+ years of experience operating Kubernetes in production environments, including cluster networking, storage, and RBAC Proficiency with AWS infrastructure, including VPC design, networking, and IAM Proven expertise in implementing infrastructure-as-code using tools such as Terraform or AWS CDK Experience implementing GitOps workflows using tools such as ArgoCD or similar Ability to influence technical decisions across teams and drive adoption of platform standards Preferred Qualifications Knowledge of service mesh technologies such as Istio or Envoy Experience designing or operating multi-cluster Kubernetes architectures Experience with cloud networking at scale, including ingress/egress or edge platforms (e.g., Cloudflare) Knowledge of cloud security, identity, and compliance frameworks (e.g., IAM, SOC 2, CIS benchmarks) Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000 — $196,600 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $136,000 — $165,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart's Bank Technology team builds the internal platforms, security automation, and operational systems that enable Upstart Bank to operate securely, efficiently, and at scale. The team partners closely with stakeholders across risk, legal, compliance, security, and operations to create software solutions that support the bank's growth as a licensed financial institution. As a Principal Software Engineer, you will provide technical leadership across a growing portfolio of internal platforms and automation systems. You will drive architectural direction, solve complex technical challenges, and establish engineering patterns that enable the team to deliver secure, scalable, and maintainable solutions for the bank's most critical operational functions. How you'll make an impact Lead the architecture, design, and implementation of internal platforms, security automation systems, and workflow tooling that support Upstart Bank operations. Establish scalable engineering patterns, technical standards, and system designs that enable long-term platform growth and maintainability. Partner with stakeholders across risk, compliance, legal, operations, and engineering to translate complex business requirements into durable software solutions. Design and oversee relational data models, authorization systems, integrations, and platform services that support secure and reliable operations. Identify and mitigate technical risks, making thoughtful decisions around system architecture, platform investments, and build-versus-buy tradeoffs. Mentor engineers through technical leadership, architectural reviews, design documentation, and engineering best practices. Drive technical strategy for internal platforms and automation initiatives as the bank expands its operational and regulatory capabilities. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 8+ years of software engineering experience. Experience designing, building, and operating large-scale production software systems and web applications. Experience leading architecture and technical design for distributed systems, platform services, or internal software platforms. Experience designing relational database schemas, APIs, integrations, authentication systems, and role-based access control frameworks. Experience partnering with cross-functional stakeholders to deliver software solutions supporting operational, compliance, security, or business-critical workflows. Preferred Qualifications Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern application frameworks. Experience building security automation, governance, risk and compliance (GRC) platforms, or operational workflow systems. Familiarity with regulated industries such as financial services, banking, healthcare, or other compliance-driven environments. Knowledge of compliance frameworks, including SOC 2, NIST CSF, or similar regulatory standards. Ability to influence technical strategy, drive alignment across teams, and navigate ambiguous problem spaces with sound engineering judgment. Position Location - This role is available in the following locations: Remote Time Zone Requirements - This team operates on the East/West Coast time zones. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $190,600 — $263,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart's Bank Technology team builds the internal platforms, security automation, and operational systems that enable Upstart Bank to operate securely, efficiently, and at scale. The team partners closely with stakeholders across risk, legal, compliance, security, and operations to create software solutions that support the bank's growth as a licensed financial institution. As a Principal Software Engineer, you will provide technical leadership across a growing portfolio of internal platforms and automation systems. You will drive architectural direction, solve complex technical challenges, and establish engineering patterns that enable the team to deliver secure, scalable, and maintainable solutions for the bank's most critical operational functions. How you'll make an impact Lead the architecture, design, and implementation of internal platforms, security automation systems, and workflow tooling that support Upstart Bank operations. Establish scalable engineering patterns, technical standards, and system designs that enable long-term platform growth and maintainability. Partner with stakeholders across risk, compliance, legal, operations, and engineering to translate complex business requirements into durable software solutions. Design and oversee relational data models, authorization systems, integrations, and platform services that support secure and reliable operations. Identify and mitigate technical risks, making thoughtful decisions around system architecture, platform investments, and build-versus-buy tradeoffs. Mentor engineers through technical leadership, architectural reviews, design documentation, and engineering best practices. Drive technical strategy for internal platforms and automation initiatives as the bank expands its operational and regulatory capabilities. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 8+ years of software engineering experience. Experience designing, building, and operating large-scale production software systems and web applications. Experience leading architecture and technical design for distributed systems, platform services, or internal software platforms. Experience designing relational database schemas, APIs, integrations, authentication systems, and role-based access control frameworks. Experience partnering with cross-functional stakeholders to deliver software solutions supporting operational, compliance, security, or business-critical workflows. Preferred Qualifications Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern application frameworks. Experience building security automation, governance, risk and compliance (GRC) platforms, or operational workflow systems. Familiarity with regulated industries such as financial services, banking, healthcare, or other compliance-driven environments. Knowledge of compliance frameworks, including SOC 2, NIST CSF, or similar regulatory standards. Ability to influence technical strategy, drive alignment across teams, and navigate ambiguous problem spaces with sound engineering judgment. Position Location - This role is available in the following locations: Remote Time Zone Requirements - This team operates on the East/West Coast time zones. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $190,600 — $263,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team The Capital Marketplace Vertical is the fuel that powers Upstart’s AI based lending operations. Spread across eight dynamic high performance teams; Capital Marketplace is in charge of onboarding our capital providers, efficiently leveraging the capital on the platform, and maintainingCapital Marketplace relations with both our Lending Partners and Investors. We provide both our internal and external business partners with reports, forecasting, financial reporting and help optimize the connection between our customer base and the funding suppliers. As a Principal Engineer at Upstart on the Capital Marketplace team, you will collaborate with all parts of the Upstart business and engineering, including Machine Learning, Data Engineering, Product Management, Product Design, Platform, Servicing, Lending Partnerships, and -all product vertical teams. The role will report directly to a head of Capital Market Engineering and work closely with all eight of the Capital Marketplace product engineering teams. Your goal is to autonomously identify and prioritize high impact work that will ultimately make the Capital Marketplace Vertical successful. How you’ll make an impact: Help define the Capital Marketplace engineering’s longer term technical roadmap ensuring alignment with business objectives Guide the architectural evolution of Capital Marketplace systems with an emphasis on systems shared across the Capital Market engineering teams Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation Partner with product leaders to shape product direction and drive business impact across all Capital Marketplace products Lead from the front, while mentoring and developing technical leaders Identify and prioritize high leverage and impactful opportunities What we’re looking for: Minimum requirements: Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience Strong technical and software engineering fundamentals including a demonstrated ability to build and own large-scale, highly available consumer products Ability to explain complex business and technical concepts to all audiences Experience leading large cross-team initiatives at companies that have gone through periods of rapid business or organizational growth Track record of successfully mentoring and developing technical leaders Preferred qualifications: Has defined and executed on longer term (multi-quarter +) technological visions or strategies for multi-team organizations Has driven initiatives of significant depth or breadth with demonstrated results in engineering process, technology platforms, or overall productivity of others Ability to identify gaps in organizational knowledge, tools, and practices and produce and execute on plans to address those gaps Ability to influence and lead without direct authority Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $186,100 — $257,500 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $182,800 — $230,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Infrastructure Security team is focused on securing the cloud, compute, platform, and deployment layers that run our products. We believe security should enable fast, safe delivery through strong engineering fundamentals, automation, and secure-by-default patterns. Our team partners closely with platform, infrastructure, SRE, product engineering, risk, and compliance teams to reduce risk in areas such as cloud IAM, Kubernetes and container security, network controls, secrets management, infrastructure-as-code, production vulnerability management, and AI-assisted developer workflows. As the Principal Platform Security Engineer at Upstart, you will define and drive the technical strategy for securing Upstart’s production infrastructure and developer platforms. You will lead cross-functional and cross-organizational efforts to reduce systemic infrastructure risk, influence architecture and engineering roadmaps, and build durable security controls that scale across teams. This role is well suited for a senior technical leader who brings deep infrastructure security expertise, strong engineering judgment, and the ability to translate complex security risks into practical, high-impact improvements for the business. How you’ll make an impact: Define and drive Upstart’s infrastructure security strategy, aligning secure-by-default principles with business priorities, regulatory expectations, and Upstart’s cloud-native engineering roadmap. Own the security roadmap for cloud, platform, compute, and deployment environments, partnering with infrastructure, platform, SRE, and product engineering leaders to reduce risk across multiple organizations. Lead security architecture reviews for critical infrastructure initiatives, influencing technical decisions in areas such as cloud IAM, Kubernetes, container security, network segmentation, secrets management, CI/CD, and infrastructure-as-code. Identify and reduce systemic infrastructure security risks by designing durable preventative controls, guardrails, and automation that improve security outcomes across engineering teams. Establish standards and patterns for production access, service identity, workload trust, infrastructure hardening, vulnerability management, and secure operational practices. Partner with engineering teams to improve the security of AI-assisted developer workflows and GenAI-enabled systems, including agentic tooling, coding assistants, and internal AI integrations that interact with production or sensitive environments. Serve as a senior technical authority during high-severity security or production incidents, driving root cause analysis, risk-based prioritization, and long-term architectural improvements. Elevate infrastructure security maturity across Upstart by mentoring engineers, influencing senior stakeholders through clear risk communication, and helping teams build secure systems with less friction. What we’re looking for: Minimum requirements: 8+ years of experience in security engineering, infrastructure engineering, software engineering, or a related technical role. 4+ years of experience focused on infrastructure, cloud, platform, or production security. Experience securing cloud-native infrastructure in AWS or a similar cloud environment. Experience with multiple infrastructure security domains, such as cloud IAM, Kubernetes or container security, network security, secrets management, infrastructure-as-code, CI/CD security, production access, or vulnerability management. Experience writing code or automation in Python, Go, Java, Ruby, or a similar programming language. Experience leading security architecture reviews or technical risk assessments for complex production systems. Experience designing and implementing preventative security controls, guardrails, or platform-level security solutions used by multiple engineering teams. Experience leading cross-functional security initiatives with infrastructure, platform, SRE, product engineering, risk, compliance, or audit stakeholders. Preferred qualifications: 10+ years of experience spanning security engineering, infrastructure engineering, software engineering, or cloud platform engineering. Experience owning a security roadmap for a technical domain that spans multiple teams or organizations. Experience with Kubernetes security, service-to-service trust models, workload identity, runtime security, or cloud-native network controls. Experience improving cloud security posture management, hardening baselines, drift detection, or infrastructure vulnerability management programs. Experience building or scaling infrastructure security programs, including defining metrics, maturity models, and risk-based prioritization frameworks. Familiarity with security considerations for AI-assisted engineering workflows, including code generation, code review tooling, agentic automation, and sensitive data exposure risks. Experience partnering with Legal, Risk, Compliance, or Audit teams to operationalize security controls in a regulated environment. Security certifications such as AWS Security Specialty, GCP Professional Cloud Security Engineer, CISSP, CCSP, or equivalent practical expertise. Position Location - This role is available in the following locations: Remote (US), San Mateo, Columbus, Austin Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $190,600 — $263,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Unsecured Underwriting Machine Learning team develops and improves the models that inform credit decisions for our unsecured lending products. The team conducts machine learning research, evaluates model performance, and partners closely with engineering teams to translate promising ideas into scalable model improvements. As an Applied Scientist, you will research and implement enhancements to Upstart’s core unsecured underwriting model. Your work will directly influence credit decisioning and help the team increase the pace of research while maintaining the rigor, reliability, and responsible oversight required of production underwriting models. As an Applied Scientist in the Unsecured Underwriting Machine Learning team at Upstart, you will: Research machine learning and statistical approaches that improve the predictive performance of unsecured underwriting models. Design, implement, and evaluate model enhancements using rigorous experimentation and validation methods. Analyze model performance and downstream effects to confirm that proposed changes improve decisioning reliably. Partner with various engineering teams to support technical reviews, implementation, and deployment. Translate research findings into clear recommendations, documented methodologies, and production-ready solutions. Minimum Qualifications Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field. 0–2 years of experience conducting machine learning, statistical modeling, or applied quantitative research in an academic or industry setting. Experience developing and evaluating machine learning or statistical models using Python. Demonstrated knowledge of probability, statistics, and machine learning methods. Experience designing experiments or validation analyses to assess model accuracy, reliability, or predictive performance. Preferred Qualifications PhD in a quantitative field. Knowledge of supervised learning, model evaluation, and feature engineering techniques. Experience working with large or complex datasets and translating research concepts into implemented solutions. Ability to balance research velocity with analytical rigor, model reliability, and responsible decision-making. Strong written and verbal communication skills, with the ability to clearly explain technical concepts and collaborate effectively with cross-functional teams and stakeholders from diverse backgrounds. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $141,500 — $196,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Infrastructure Security team is focused on securing the cloud, compute, platform, and deployment layers that run our products. We believe security should enable fast, safe delivery through strong engineering fundamentals, automation, and secure-by-default patterns. Our team partners closely with platform, infrastructure, SRE, product engineering, risk, and compliance teams to reduce risk in areas such as cloud IAM, Kubernetes and container security, network controls, secrets management, infrastructure-as-code, production vulnerability management, and AI-assisted developer workflows. As the Principal Platform Security Engineer at Upstart, you will define and drive the technical strategy for securing Upstart’s production infrastructure and developer platforms. You will lead cross-functional and cross-organizational efforts to reduce systemic infrastructure risk, influence architecture and engineering roadmaps, and build durable security controls that scale across teams. This role is well suited for a senior technical leader who brings deep infrastructure security expertise, strong engineering judgment, and the ability to translate complex security risks into practical, high-impact improvements for the business. How you’ll make an impact: Define and drive Upstart’s infrastructure security strategy, aligning secure-by-default principles with business priorities, regulatory expectations, and Upstart’s cloud-native engineering roadmap. Own the security roadmap for cloud, platform, compute, and deployment environments, partnering with infrastructure, platform, SRE, and product engineering leaders to reduce risk across multiple organizations. Lead security architecture reviews for critical infrastructure initiatives, influencing technical decisions in areas such as cloud IAM, Kubernetes, container security, network segmentation, secrets management, CI/CD, and infrastructure-as-code. Identify and reduce systemic infrastructure security risks by designing durable preventative controls, guardrails, and automation that improve security outcomes across engineering teams. Establish standards and patterns for production access, service identity, workload trust, infrastructure hardening, vulnerability management, and secure operational practices. Partner with engineering teams to improve the security of AI-assisted developer workflows and GenAI-enabled systems, including agentic tooling, coding assistants, and internal AI integrations that interact with production or sensitive environments. Serve as a senior technical authority during high-severity security or production incidents, driving root cause analysis, risk-based prioritization, and long-term architectural improvements. Elevate infrastructure security maturity across Upstart by mentoring engineers, influencing senior stakeholders through clear risk communication, and helping teams build secure systems with less friction. What we’re looking for: Minimum requirements: 8+ years of experience in security engineering, infrastructure engineering, software engineering, or a related technical role. 4+ years of experience focused on infrastructure, cloud, platform, or production security. Experience securing cloud-native infrastructure in AWS or a similar cloud environment. Experience with multiple infrastructure security domains, such as cloud IAM, Kubernetes or container security, network security, secrets management, infrastructure-as-code, CI/CD security, production access, or vulnerability management. Experience writing code or automation in Python, Go, Java, Ruby, or a similar programming language. Experience leading security architecture reviews or technical risk assessments for complex production systems. Experience designing and implementing preventative security controls, guardrails, or platform-level security solutions used by multiple engineering teams. Experience leading cross-functional security initiatives with infrastructure, platform, SRE, product engineering, risk, compliance, or audit stakeholders. Preferred qualifications: 10+ years of experience spanning security engineering, infrastructure engineering, software engineering, or cloud platform engineering. Experience owning a security roadmap for a technical domain that spans multiple teams or organizations. Experience with Kubernetes security, service-to-service trust models, workload identity, runtime security, or cloud-native network controls. Experience improving cloud security posture management, hardening baselines, drift detection, or infrastructure vulnerability management programs. Experience building or scaling infrastructure security programs, including defining metrics, maturity models, and risk-based prioritization frameworks. Familiarity with security considerations for AI-assisted engineering workflows, including code generation, code review tooling, agentic automation, and sensitive data exposure risks. Experience partnering with Legal, Risk, Compliance, or Audit teams to operationalize security controls in a regulated environment. Security certifications such as AWS Security Specialty, GCP Professional Cloud Security Engineer, CISSP, CCSP, or equivalent practical expertise. Position Location - This role is available in the following locations: Remote (US), San Mateo, Columbus, Austin Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $190,600 — $263,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart's 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. 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. 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. How you'll make an impact 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. Lead the architectural evolution from tightly coupled, sequential workflows toward modular, reusable platform capabilities across loan products. Design and improve Tier 0/Tier 1 services where latency, throughput, availability, and financial correctness are all critical. Partner closely with machine-learning scientists and engineers to create reliable, scalable boundaries between models and production pricing systems. 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. Clarify service, API, configuration, and ownership boundaries across Pricing, Personal Loans, Auto, HELOC, and adjacent platform teams. Evaluate runtime and language choices pragmatically, including where Python, Kotlin, Rust or Go best serve long-term system needs. Reduce operational burden through better testing, observability, failure isolation, incident learning, and architecture that limits blast radius. Lead company-wide technical discussions, surface trade-offs clearly, and build alignment across Engineering, ML, Product, Data, Security, Compliance, and business partners. Stay close to implementation through design reviews, prototypes, and critical code while mentoring senior technical leaders and making the people around you more successful. Prioritize technical-debt and platform investments based on business value, risk reduction, and long-term return rather than technical elegance alone. Minimum Qualifications 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. A track record of setting architecture and technical direction for large, complex distributed systems used across multiple teams or products. 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. Experience designing or operating Tier 0/Tier 1 services with demanding latency, throughput, availability, and correctness requirements. Strong understanding of APIs, service-oriented or modular architectures, containerization, cloud infrastructure (e.g., AWS), and maintainable software design. Hands-on technical judgment: you can move from strategy and architecture into concrete designs, prototypes, debugging, and critical implementation decisions. Strong communication skills and the ability to explain complex systems, constraints, and trade-offs to technical and nontechnical audiences. Demonstrated success leading cross-organization technical decisions — balancing the needs of engineering, machine learning, and product teams — and influencing without direct authority. Experience mentoring senior engineers and expanding the effectiveness and scope of other technical leaders. Strong product and business judgment, including the ability to balance delivery, reliability, technical debt, risk, and long-term investment. Preferred Qualifications Experience building calculation-heavy, real-time decisioning, pricing, marketplace, risk, fraud, payments, trading, auction, or advertising systems. Experience partnering with machine-learning teams or productionizing models at scale, including clear boundaries between modeling workflows and production services. Experience modernizing a mature or tightly coupled platform through staged migration while continuing to deliver customer and business value. Experience with AWS, Kubernetes, microservices, event-driven systems, and production observability. Additional production experience with Rust or another performance-oriented language. Background or applied exposure in statistics, mathematics, economics, econometrics, financial systems, or other quantitative domains. Experience in a rapidly scaling or changing organization where architecture had to evolve alongside the business. Position location Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,300 — $270,400 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart is looking for a Director of Product, Machine Learning & Decisioning Platforms to help us achieve our mission of enabling effortless credit based on true risk. This role will lead the product strategy and team responsible for the platforms that power Upstart’s credit decisioning and machine learning platform capabilities. This is a highly technical, platform-focused product leadership role at the core of Upstart’s business. You will manage and develop a team of experienced product managers, set strategy across multiple interconnected product areas, and partner closely with engineering and machine learning leaders to evolve the systems underlying pricing, underwriting, model deployment, and ML innovation. The ideal candidate is a strong product leader and coach who can bring structure to complex, ambiguous problems; connect technical decisions to business and customer outcomes; and create alignment across teams. While you will remain close to the product, this role is primarily focused on setting direction, developing talent, and enabling your team to deliver high-impact results. How you’ll make an impact Lead, coach, and develop a team of product managers, setting clear priorities and raising the quality of product management across the organization. Define the product strategy and roadmap for the platforms powering Upstart’s credit decisioning and machine learning capabilities. Partner with engineering and machine learning leaders to improve model development, versioning, deployment, forecasting, experimentation, and monitoring. Evolve underwriting and decisioning systems to better connect customer information, model outputs, and business outcomes. Identify opportunities to apply machine learning across the business, validate them through focused MVPs, and build the strongest opportunities into scalable products. Create scalable processes for evaluating, onboarding, and integrating data vendors and other ML capabilities. Balance near-term execution with long-term platform investment, making thoughtful trade-offs across impact, risk, technical complexity, and speed. Build alignment across teams and ensure machine learning is incorporated into product strategy from the start. Minimum Qualifications Bachelor’s degree in a technical field or equivalent practical experience. 8+ years of product management experience, including experience leading technical or platform products. Experience managing and developing product managers, ideally across multiple interconnected teams. Strong technical fluency and experience partnering with engineering, machine learning, and data science teams. Demonstrated ability to set strategy, navigate ambiguity, and deliver results in a fast-paced environment. Strong analytical, organizational, communication, and problem-solving skills. Ability to connect technical and product decisions to business outcomes, particularly in credit, lending, or financial services. A track record of building strong teams and raising the quality of product management practices. Preferred Qualifications Experience as a data scientist, machine learning engineer, or other machine learning individual contributor. Experience with model lifecycle management, decisioning systems, experimentation, optimization, or real-time inference platforms. Experience building or scaling online financial products, particularly in consumer lending or credit. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Director At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $216,100 — $299,000 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $212,500 — $270,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 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. 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. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart's 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. 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. 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. How you'll make an impact 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. Lead the architectural evolution from tightly coupled, sequential workflows toward modular, reusable platform capabilities across loan products. Design and improve Tier 0/Tier 1 services where latency, throughput, availability, and financial correctness are all critical. Partner closely with machine-learning scientists and engineers to create reliable, scalable boundaries between models and production pricing systems. 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. Clarify service, API, configuration, and ownership boundaries across Pricing, Personal Loans, Auto, HELOC, and adjacent platform teams. Evaluate runtime and language choices pragmatically, including where Python, Kotlin, Rust or Go best serve long-term system needs. Reduce operational burden through better testing, observability, failure isolation, incident learning, and architecture that limits blast radius. Lead company-wide technical discussions, surface trade-offs clearly, and build alignment across Engineering, ML, Product, Data, Security, Compliance, and business partners. Stay close to implementation through design reviews, prototypes, and critical code while mentoring senior technical leaders and making the people around you more successful. Prioritize technical-debt and platform investments based on business value, risk reduction, and long-term return rather than technical elegance alone. Minimum Qualifications 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. A track record of setting architecture and technical direction for large, complex distributed systems used across multiple teams or products. 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. Experience designing or operating Tier 0/Tier 1 services with demanding latency, throughput, availability, and correctness requirements. Strong understanding of APIs, service-oriented or modular architectures, containerization, cloud infrastructure (e.g., AWS), and maintainable software design. Hands-on technical judgment: you can move from strategy and architecture into concrete designs, prototypes, debugging, and critical implementation decisions. Strong communication skills and the ability to explain complex systems, constraints, and trade-offs to technical and nontechnical audiences. Demonstrated success leading cross-organization technical decisions — balancing the needs of engineering, machine learning, and product teams — and influencing without direct authority. Experience mentoring senior engineers and expanding the effectiveness and scope of other technical leaders. Strong product and business judgment, including the ability to balance delivery, reliability, technical debt, risk, and long-term investment. Preferred Qualifications Experience building calculation-heavy, real-time decisioning, pricing, marketplace, risk, fraud, payments, trading, auction, or advertising systems. Experience partnering with machine-learning teams or productionizing models at scale, including clear boundaries between modeling workflows and production services. Experience modernizing a mature or tightly coupled platform through staged migration while continuing to deliver customer and business value. Experience with AWS, Kubernetes, microservices, event-driven systems, and production observability. Additional production experience with Rust or another performance-oriented language. Background or applied exposure in statistics, mathematics, economics, econometrics, financial systems, or other quantitative domains. Experience in a rapidly scaling or changing organization where architecture had to evolve alongside the business. Position location Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,300 — $270,400 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy