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: The Core Pricing Team is responsible for building a best-in-class platform to accurately create loan offers for all of Upstart’s loan products like Personal Loans, Auto loans and Home loans. The services owned by the team are responsible for validating applicant data, interfacing with Machine Learning models to calculate borrower risk, matching applicants to lenders, and calculating interest rates, fees, etc. We are developing new capabilities for Upstart’s loan products and building a next generation software platform to accelerate innovation on behalf of our customers. As a Principal Software Engineer, you will drive technical excellence and innovation within the Core Pricing team, with a focus on Personal and Unsecured Loans, one of Upstart’s primary revenue drivers. You will set the technical vision and direction for the team, working backward from our product strategy. You will lead efforts to deliver software that uses machine learning to optimize pricing and continuously improve the efficiency of our borrower-lender marketplace. You will have the opportunity to design and build large-scale systems, partner closely with machine learning scientists, and work in a highly collaborative, fast-paced environment. We are looking for a seasoned technical leader with a passion for machine learning, finance, experimentation, and distributed systems. If this sounds exciting, we would love to hear from you. How you’ll make an impact Define the long-term technical direction and roadmap for Pricing in alignment with Upstart’s business objectives. Lead the design and development of a system that continuously optimizes the matching of supply and demand for Upstart’s borrower-lender marketplace. Work closely with ML scientists to improve and develop new models that improve core business metrics. Guide the architectural evolution of Pricing engineering systems with an emphasis on scaling innovation across multiple 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 Lead from the front, while mentoring and developing technical leaders Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience Experience building highly scalable systems using containerization technologies like Docker and Kubernetes Experience building flexible, extensible and consistent APIs Solid grasp of software development principles and best practices for creating scalable, extensible and maintainable systems Proficiency in one or more object oriented programming languages like Python, Java, C#, C++ Strong communication skills and ability to explain complex business and technical concepts to all audiences Track record of successfully mentoring and developing technical leaders Experience working in dynamic fast paced organizations Ability to balance the needs of the business with the needs of engineering improvements Passion for clean code and architecture and initiative to “level-up” the engineering team with better practices & design You are able lead and resolve company-wide technical discussions and are able to collaborate and include input from cross-functional teams (security, devops, data, compliance and product) You have a good sense for build-vs-buy and are able to prioritize the highest ROI architectural investments Preferred Qualifications High proficiency with Python Experience with A/B testing, GRPC, and Kafka Experience working in Fintech, Pricing, Ads, or ML. Background in statistics, mathematics, or econometrics is a big plus. Experience designing and building microservice-based architectures Experience developing large scale distributed systems in AWS Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve Ability to influence and lead without direct authority Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs Experience working at companies that have gone through periods of rapid business or organizational growth 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 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 D.O.E.S. Information Security team (Detection, Operations & Enterprise Security) is dedicated to advancing security practices that enhance the safety of our products, customers, and partners. We believe security should empower innovation, move at the speed of the business, and be built in from the ground up. Our mission is to protect Upstart’s products and enterprise while enabling teams to move quickly and safely through strong collaboration, automation, and thoughtful security design. As a Senior Security Engineer focused on Enterprise Security , you will play a critical role in defining, building, and leading Upstart’s data security program. This is a highly impactful role that combines deep hands-on technical execution. You will design and implement scalable data security capabilities, influence cross-functional partners across the company, and help establish long-term strategy and accountability for how data is protected at Upstart. This role is ideal for a senior security practitioner who enjoys operating at the intersection of software engineering, architecture, and cross-functional leadership, and who has experience taking complex security controls from concept to reality. Position Location - This role is available in the following locations: Remote (US), Burlingame (CA), Columbus (OH), Austin (TX), New York City Time Zone Requirements - This team operates on all continental US time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. How you’ll make an impact: Own the technical design and execution of Upstart’s data security program, from early foundations through mature, scalable systems Architect and build software solutions (APIs, services, and internal tools) that enable effective data protection and governance Partner closely with Engineering, Analytics, Product, Legal, Risk, HR, and other stakeholders to secure sensitive data across diverse domains Drive adoption of least-privilege access models and modern data protection patterns across the organization What we’re looking for: Minimum requirements: Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 5 years of experience Extensive experience across enterprise and operational security domains Strong software engineering background , with the ability to design and build production-quality systems (e.g., APIs, services, or internal web applications) Experience launching new security capabilities from 0 to 1 in complex environments Deep understanding of least-privilege principles and practical experience applying them at scale Excellent communication skills, with the ability to influence senior technical and non-technical stakeholders Ability to navigate ambiguity, make sound tradeoffs, and independently drive meaningful change Preferred qualifications: Familiarity with cutting edge AI data protection tooling in areas such as endpoint DLP, data classification, or data security posture management platforms Experience working with diverse data domains (e.g., analytics, reporting, business operations, or people data) Contributions to the security community through talks, publications, open-source projects, or other industry involvement Familiarity with compliance frameworks such as SOC 1, SOC 2, and SOX Interest in long-term growth as a senior individual contributor, with openness to future people leadership paths #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 $164,800 — $228,400 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 Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale. As Senior Manager, Software Engineering for Upstart Bank, you will lead one or more engineering teams responsible for a critical area of the bank platform. You will translate product, regulatory, and operational priorities into technical plans and reliable execution across systems spanning areas such as payments, funding, reporting, or integrations. You will partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and senior engineering leaders to deliver scalable, reliable, and audit-ready infrastructure for a modern banking platform. This is a rare opportunity to help build a modern bank platform from an early foundation rather than inherit a legacy core. How you’ll make an impact Lead and grow one or more engineering teams responsible for a critical area of the Upstart Bank platform Drive execution across complex, bank-critical systems in areas such as ledgering and funding, deposits and payments, reporting, or integrations Partner with Product, Compliance, Legal, Risk, Finance, and Operations to translate business and regulatory needs into technical plans and delivered software Contribute to technical direction and architecture for your area, ensuring systems support reliability, resilience, security, traceability, and auditability Manage cross-functional dependencies and improve the predictability and quality of delivery across teams Build engineering processes that support internal controls, audits, change management, and reliable operation in a regulated environment Hire, coach, and develop engineers and emerging engineering leaders Foster a culture of rigor, ownership, accountability, and continuous improvement Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience 8+ years of engineering experience, including 3+ years of engineering management experience Experience leading engineering teams through complex, cross-functional platform or infrastructure initiatives Strong technical background with experience contributing to architecture and technical direction for distributed systems, cloud platforms, or business-critical infrastructure Experience operating in regulated, high-control, or high-reliability environments where quality, controls, auditability, and change management are critical Preferred Qualifications Experience building or integrating core financial infrastructure such as ledgering, payments, deposits, funding systems, reporting, or financial integrations Experience in banking, fintech, payments, lending, or other regulated financial systems Experience building platforms that support internal controls, audits, and reliable operation in regulated environments Experience leading platform modernization, core-system launches, vendor integrations, or major infrastructure transformations Experience developing senior engineers, tech leads, or emerging engineering leaders Demonstrated ability to balance speed, quality, reliability, and compliance in high-stakes technical environments Interest in improving access to credit through technology and scalable financial infrastructure Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior --> use for L5, L6 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 — $256,900 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 D.O.E.S. Information Security team (Detection, Operations & Enterprise Security) is dedicated to advancing security practices that enhance the safety of our products, customers, and partners. We believe security should empower innovation, move at the speed of the business, and be built in from the ground up. Our mission is to protect Upstart’s products and enterprise while enabling teams to move quickly and safely through strong collaboration, automation, and thoughtful security design. As a Senior Security Engineer focused on Enterprise Security , you will play a critical role in defining, building, and leading Upstart’s data security program. This is a highly impactful role that combines deep hands-on technical execution. You will design and implement scalable data security capabilities, influence cross-functional partners across the company, and help establish long-term strategy and accountability for how data is protected at Upstart. This role is ideal for a senior security practitioner who enjoys operating at the intersection of software engineering, architecture, and cross-functional leadership, and who has experience taking complex security controls from concept to reality. Position Location - This role is available in the following locations: Remote (US), Burlingame (CA), Columbus (OH), Austin (TX), New York City Time Zone Requirements - This team operates on all continental US time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. How you’ll make an impact: Own the technical design and execution of Upstart’s data security program, from early foundations through mature, scalable systems Architect and build software solutions (APIs, services, and internal tools) that enable effective data protection and governance Partner closely with Engineering, Analytics, Product, Legal, Risk, HR, and other stakeholders to secure sensitive data across diverse domains Drive adoption of least-privilege access models and modern data protection patterns across the organization What we’re looking for: Minimum requirements: Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 5 years of experience Extensive experience across enterprise and operational security domains Strong software engineering background , with the ability to design and build production-quality systems (e.g., APIs, services, or internal web applications) Experience launching new security capabilities from 0 to 1 in complex environments Deep understanding of least-privilege principles and practical experience applying them at scale Excellent communication skills, with the ability to influence senior technical and non-technical stakeholders Ability to navigate ambiguity, make sound tradeoffs, and independently drive meaningful change Preferred qualifications: Familiarity with cutting edge AI data protection tooling in areas such as endpoint DLP, data classification, or data security posture management platforms Experience working with diverse data domains (e.g., analytics, reporting, business operations, or people data) Contributions to the security community through talks, publications, open-source projects, or other industry involvement Familiarity with compliance frameworks such as SOC 1, SOC 2, and SOX Interest in long-term growth as a senior individual contributor, with openness to future people leadership paths #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 $164,800 — $228,400 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 Our Core ML organization is looking for an exceptional, hands-on Machine Learning Manager to join our leadership group. Because our ML teams share common codebases and modeling pipelines, we are searching for generalist ML leaders who can be deployed to the areas of our business where they will have the most impact. Rather than hiring for one specific silo, we match candidates to the right team based on their unique background, technical strengths, and interests. Depending on your expertise, you could step in to lead one of several high-priority teams, such as: Cash Line: Leading the 0→1 ML innovation for our brand new subscription-based line of credit, building core underwriting and customer behavior models (churn, draw, default) in a domain with limited data and long feedback loops. Auto Retail Lending (ARL): Tackling unique, deep-modeling challenges such as competing risk, collateral, and recovery modeling for dealership-based auto lending. Underwriting: Managing MLE-heavy engineering and research efforts to optimize our core unsecured personal loan models. This is a highly technical player-coach role . You will not be managing a massive organization; instead, you will lead a small, nimble team of individual contributors (Research Scientists, Data Scientists, or Machine Learning Engineers). This role is designed for a builder who wants to retain meaningful strategic scope, maintain a roughly 50/50 split between technical execution and management, and act as the definitive ML owner for their product space. How you'll make an impact: Act as a Player-Coach: Dive deep into the data and code. You will spend a significant portion of your time making direct technical contributions, reviewing code/PRs, and understanding the mathematical nuances of your team's models. Lead Strategic Initiatives: Take ownership of a specific product area (like Cash Line or Auto) and serve as the de facto ML leader in cross-functional strategy meetings. Drive 0→1 and Scaling ML Efforts: Depending on your team placement, you may build out entirely new capabilities from scratch or optimize highly mature models dealing with massive scale and shifting macro-economic regimes. Translate Models to Business Impact: Design and refine decision engines that translate model predictions into accurate, transparent, and customer-friendly lending outcomes. What we're looking for: Minimum Qualifications Experience 6+ years of experience developing and deploying machine learning models in production with direct business impact. Proven track record of leading high-impact ML initiatives from research through productionization. Advanced degree in a quantitative field (e.g., computer science, statistics, economics, operations research, etc). Technical abilities and attitude Strong technical judgment and ability to dive deep into model design, data analysis, and evaluation. Keen statistical, economic and business intuition, and comfort with reasoning under uncertainty and data limitations. Knowledge of production ML, ability to adapt to new tech stacks and get in the weeds of work output from the team. Excited and able to make direct technical contributions when needed. Leadership Exceptional leadership skills with experience developing teams of highly technical ML scientists. Attract, mentor, and grow a top-tier team of ML scientists passionate about expanding access to credit. Proven ability to influence and collaborate cross-functionally with Product, Engineering, Capital Markets and other teams. Strong project management skills with experience scaling processes and operational workflows. Preferred Qualifications PhD in Computer Science, Statistics, Economics or a related field. Proven success building and scaling new ML products from inception. Familiarity with lending, lines of credit, or other consumer finance products. Hands-on familiarity with end-to-end ML infrastructure, including experimentation pipelines, feature stores, and model monitoring. Ability to uplevel team’s engineering practices and drive cross-functional engineering design. Position Location - This role is available in the following locations: US Remote Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3-4 days per quarter at one of our offices. If you need to travel to make these meetups, Upstart will cover all travel related expenses. #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 $238,400 — $330,200 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 $220,200 — $277,000 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 Our Core ML organization is looking for an exceptional, hands-on Machine Learning Manager to join our leadership group. Because our ML teams share common codebases and modeling pipelines, we are searching for generalist ML leaders who can be deployed to the areas of our business where they will have the most impact. Rather than hiring for one specific silo, we match candidates to the right team based on their unique background, technical strengths, and interests. Depending on your expertise, you could step in to lead one of several high-priority teams, such as: Cash Line: Leading the 0→1 ML innovation for our brand new subscription-based line of credit, building core underwriting and customer behavior models (churn, draw, default) in a domain with limited data and long feedback loops. Auto Retail Lending (ARL): Tackling unique, deep-modeling challenges such as competing risk, collateral, and recovery modeling for dealership-based auto lending. Underwriting: Managing MLE-heavy engineering and research efforts to optimize our core unsecured personal loan models. This is a highly technical player-coach role . You will not be managing a massive organization; instead, you will lead a small, nimble team of individual contributors (Research Scientists, Data Scientists, or Machine Learning Engineers). This role is designed for a builder who wants to retain meaningful strategic scope, maintain a roughly 50/50 split between technical execution and management, and act as the definitive ML owner for their product space. How you'll make an impact: Act as a Player-Coach: Dive deep into the data and code. You will spend a significant portion of your time making direct technical contributions, reviewing code/PRs, and understanding the mathematical nuances of your team's models. Lead Strategic Initiatives: Take ownership of a specific product area (like Cash Line or Auto) and serve as the de facto ML leader in cross-functional strategy meetings. Drive 0→1 and Scaling ML Efforts: Depending on your team placement, you may build out entirely new capabilities from scratch or optimize highly mature models dealing with massive scale and shifting macro-economic regimes. Translate Models to Business Impact: Design and refine decision engines that translate model predictions into accurate, transparent, and customer-friendly lending outcomes. What we're looking for: Minimum Qualifications Experience 6+ years of experience developing and deploying machine learning models in production with direct business impact. Proven track record of leading high-impact ML initiatives from research through productionization. Advanced degree in a quantitative field (e.g., computer science, statistics, economics, operations research, etc). Technical abilities and attitude Strong technical judgment and ability to dive deep into model design, data analysis, and evaluation. Keen statistical, economic and business intuition, and comfort with reasoning under uncertainty and data limitations. Knowledge of production ML, ability to adapt to new tech stacks and get in the weeds of work output from the team. Excited and able to make direct technical contributions when needed. Leadership Exceptional leadership skills with experience developing teams of highly technical ML scientists. Attract, mentor, and grow a top-tier team of ML scientists passionate about expanding access to credit. Proven ability to influence and collaborate cross-functionally with Product, Engineering, Capital Markets and other teams. Strong project management skills with experience scaling processes and operational workflows. Preferred Qualifications PhD in Computer Science, Statistics, Economics or a related field. Proven success building and scaling new ML products from inception. Familiarity with lending, lines of credit, or other consumer finance products. Hands-on familiarity with end-to-end ML infrastructure, including experimentation pipelines, feature stores, and model monitoring. Ability to uplevel team’s engineering practices and drive cross-functional engineering design. Position Location - This role is available in the following locations: US Remote Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3-4 days per quarter at one of our offices. If you need to travel to make these meetups, Upstart will cover all travel related expenses. #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 $238,400 — $330,200 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 $220,200 — $277,000 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 software systems, automation, and internal platforms that enable Upstart Bank to operate efficiently, securely, and at scale. The team partners closely with stakeholders across risk, legal, compliance, and operations to replace manual processes with purpose-built solutions that support the bank's growth and regulatory requirements. As a Senior Software Engineer, you will design and build internal applications that power critical bank functions. You'll work across software systems, automation, integrations, and platform tooling, helping translate complex business requirements into scalable, maintainable solutions that deliver meaningful operational impact. How you'll make an impact Design, build, and maintain internal software platforms that support risk, compliance, legal, and operational workflows across Upstart Bank. Partner with cross-functional stakeholders to translate business requirements into scalable technical solutions and intuitive user experiences. Develop and maintain APIs, integrations, and data workflows that connect internal systems with third-party platforms. Design relational data models, authorization frameworks, audit capabilities, and background processing systems that support secure and reliable operations. Write technical designs, architectural documentation, and implementation plans that establish durable engineering patterns and reduce future maintenance costs. Contribute to technical decisions regarding system architecture, build-versus-buy evaluations, and long-term platform scalability. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 4+ years of software engineering experience. Experience designing, building, and operating production web applications used by internal or external customers. Experience designing relational database schemas and managing complex data models using PostgreSQL or a similar relational database. Experience building and maintaining RESTful APIs, integrations, webhooks, or distributed system interfaces. Experience implementing application security fundamentals, including authentication, role-based access control, audit logging, and schema migrations. Preferred Qualifications Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern web application frameworks. Experience building internal tooling, workflow platforms, or operational software systems. Familiarity with regulated environments such as financial services, banking, healthcare, or other compliance-driven industries. Knowledge of governance, risk, and compliance (GRC) platforms, security tooling, or operational controls. Ability to navigate ambiguous requirements and collaborate effectively with both technical and non-technical stakeholders. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior 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 $164,800 — $228,400 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: The Core Pricing Team is responsible for building a best-in-class platform to accurately create loan offers for all of Upstart’s loan products like Personal Loans, Auto loans and Home loans. The services owned by the team are responsible for validating applicant data, interfacing with Machine Learning models to calculate borrower risk, matching applicants to lenders, and calculating interest rates, fees, etc. We are developing new capabilities for Upstart’s loan products and building a next generation software platform to accelerate innovation on behalf of our customers. As a Principal Software Engineer, you will drive technical excellence and innovation within the Core Pricing team, with a focus on Personal and Unsecured Loans, one of Upstart’s primary revenue drivers. You will set the technical vision and direction for the team, working backward from our product strategy. You will lead efforts to deliver software that uses machine learning to optimize pricing and continuously improve the efficiency of our borrower-lender marketplace. You will have the opportunity to design and build large-scale systems, partner closely with machine learning scientists, and work in a highly collaborative, fast-paced environment. We are looking for a seasoned technical leader with a passion for machine learning, finance, experimentation, and distributed systems. If this sounds exciting, we would love to hear from you. How you’ll make an impact Define the long-term technical direction and roadmap for Pricing in alignment with Upstart’s business objectives. Lead the design and development of a system that continuously optimizes the matching of supply and demand for Upstart’s borrower-lender marketplace. Work closely with ML scientists to improve and develop new models that improve core business metrics. Guide the architectural evolution of Pricing engineering systems with an emphasis on scaling innovation across multiple 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 Lead from the front, while mentoring and developing technical leaders Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience Experience building highly scalable systems using containerization technologies like Docker and Kubernetes Experience building flexible, extensible and consistent APIs Solid grasp of software development principles and best practices for creating scalable, extensible and maintainable systems Proficiency in one or more object oriented programming languages like Python, Java, C#, C++ Strong communication skills and ability to explain complex business and technical concepts to all audiences Track record of successfully mentoring and developing technical leaders Experience working in dynamic fast paced organizations Ability to balance the needs of the business with the needs of engineering improvements Passion for clean code and architecture and initiative to “level-up” the engineering team with better practices & design You are able lead and resolve company-wide technical discussions and are able to collaborate and include input from cross-functional teams (security, devops, data, compliance and product) You have a good sense for build-vs-buy and are able to prioritize the highest ROI architectural investments Preferred Qualifications High proficiency with Python Experience with A/B testing, GRPC, and Kafka Experience working in Fintech, Pricing, Ads, or ML. Background in statistics, mathematics, or econometrics is a big plus. Experience designing and building microservice-based architectures Experience developing large scale distributed systems in AWS Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve Ability to influence and lead without direct authority Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs Experience working at companies that have gone through periods of rapid business or organizational growth 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 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 Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale. As Senior Manager, Software Engineering for Upstart Bank, you will lead one or more engineering teams responsible for a critical area of the bank platform. You will translate product, regulatory, and operational priorities into technical plans and reliable execution across systems spanning areas such as payments, funding, reporting, or integrations. You will partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and senior engineering leaders to deliver scalable, reliable, and audit-ready infrastructure for a modern banking platform. This is a rare opportunity to help build a modern bank platform from an early foundation rather than inherit a legacy core. How you’ll make an impact Lead and grow one or more engineering teams responsible for a critical area of the Upstart Bank platform Drive execution across complex, bank-critical systems in areas such as ledgering and funding, deposits and payments, reporting, or integrations Partner with Product, Compliance, Legal, Risk, Finance, and Operations to translate business and regulatory needs into technical plans and delivered software Contribute to technical direction and architecture for your area, ensuring systems support reliability, resilience, security, traceability, and auditability Manage cross-functional dependencies and improve the predictability and quality of delivery across teams Build engineering processes that support internal controls, audits, change management, and reliable operation in a regulated environment Hire, coach, and develop engineers and emerging engineering leaders Foster a culture of rigor, ownership, accountability, and continuous improvement Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience 8+ years of engineering experience, including 3+ years of engineering management experience Experience leading engineering teams through complex, cross-functional platform or infrastructure initiatives Strong technical background with experience contributing to architecture and technical direction for distributed systems, cloud platforms, or business-critical infrastructure Experience operating in regulated, high-control, or high-reliability environments where quality, controls, auditability, and change management are critical Preferred Qualifications Experience building or integrating core financial infrastructure such as ledgering, payments, deposits, funding systems, reporting, or financial integrations Experience in banking, fintech, payments, lending, or other regulated financial systems Experience building platforms that support internal controls, audits, and reliable operation in regulated environments Experience leading platform modernization, core-system launches, vendor integrations, or major infrastructure transformations Experience developing senior engineers, tech leads, or emerging engineering leaders Demonstrated ability to balance speed, quality, reliability, and compliance in high-stakes technical environments Interest in improving access to credit through technology and scalable financial infrastructure Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior --> use for L5, L6 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 — $256,900 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