Careers at Upstart

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Lifecycle Platform team develops innovative solutions, strategies, and systems that enable personalized, timely communication with millions of current and prospective customers. We build and scale the platforms behind preference management, email, SMS, push notifications, and emerging channels—ensuring the right message reaches the right user at the right time. As a Software Engineer on the team, you will be part of the broader Growth organization and partner closely with Lifecycle Marketing, Distribution, Insights, Data Platform, Analytics, and ML teams. We are the technical thought leaders and subject matter experts for outbound communications across the company. Our mission is to design and operate the infrastructure that transforms rich customer data into actionable, high-impact engagement. This team operates with speed and ownership. We deploy frequently, unblock ourselves, and hold a high bar for accountability. We are not a siloed engineering team—we collaborate deeply with cross-functional stakeholders and play a central role in shaping the future of Upstart’s marketing platforms. How you’ll make an impact Design and build scalable backend services that power our unified communications platform across SMS, email, push, and future channels. Develop systems for real-time, event-triggered messaging and self-serve marketing automation and experimentation capabilities. Translate large, complex datasets into high-leverage marketing capabilities through APIs, streaming pipelines, and reverse ETL workflows. Partner closely with product managers, lifecycle marketing, data insights, analytics, and data platform teams to define requirements and deliver impactful, data-driven solutions. Lead medium-sized projects independently—proactively identifying risks, managing ambiguity, and driving execution from design through launch. Strengthen our engineering culture by improving system reliability, accelerating iteration, and clearly communicating technical trade-offs to cross-functional stakeholders. Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 6 years of experience Experience building and operating microservices and APIs in a cloud environment (preferably AWS). Proficiency in at least one backend language such as Kotlin, Java, Ruby, or Python. Demonstrated ability to independently execute on projects, navigate ambiguity, and collaborate effectively with cross-functional partners. Excellent written and verbal communication skills with the ability to work in a distributed team Preferred Qualifications Experience supporting Marketing, Growth, or GTM teams, particularly in environments involving CDPs, customer segmentation, or campaign orchestration. Experience with reverse ETL tools (e.g., Hightouch, Census), data pipeline tooling (e.g., Airbyte, Fivetran, Databricks), or marketing automation platforms (e.g.,Iterable, Braze, or Salesforce Marketing Cloud). Familiarity with real-time event streaming systems and high-throughput messaging architectures. Experience integrating with third-party APIs and building systems that ingest, transform, and expose large volumes of data. Track record of leading medium-to-large projects and contributing to system design decisions with long-term platform impact. Position location This role is available in the following locations: Remote 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. 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 $166,900 — $230,900 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 Lifecycle Platform team develops innovative solutions, strategies, and systems that enable personalized, timely communication with millions of current and prospective customers. We build and scale the platforms behind preference management, email, SMS, push notifications, and emerging channels—ensuring the right message reaches the right user at the right time. As a Software Engineer on the team, you will be part of the broader Growth organization and partner closely with Lifecycle Marketing, Distribution, Insights, Data Platform, Analytics, and ML teams. We are the technical thought leaders and subject matter experts for outbound communications across the company. Our mission is to design and operate the infrastructure that transforms rich customer data into actionable, high-impact engagement. This team operates with speed and ownership. We deploy frequently, unblock ourselves, and hold a high bar for accountability. We are not a siloed engineering team—we collaborate deeply with cross-functional stakeholders and play a central role in shaping the future of Upstart’s marketing platforms. How you’ll make an impact Design and build scalable backend services that power our unified communications platform across SMS, email, push, and future channels. Develop systems for real-time, event-triggered messaging and self-serve marketing automation and experimentation capabilities. Translate large, complex datasets into high-leverage marketing capabilities through APIs, streaming pipelines, and reverse ETL workflows. Partner closely with product managers, lifecycle marketing, data insights, analytics, and data platform teams to define requirements and deliver impactful, data-driven solutions. Lead medium-sized projects independently—proactively identifying risks, managing ambiguity, and driving execution from design through launch. Strengthen our engineering culture by improving system reliability, accelerating iteration, and clearly communicating technical trade-offs to cross-functional stakeholders. Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 6 years of experience Experience building and operating microservices and APIs in a cloud environment (preferably AWS). Proficiency in at least one backend language such as Kotlin, Java, Ruby, or Python. Demonstrated ability to independently execute on projects, navigate ambiguity, and collaborate effectively with cross-functional partners. Excellent written and verbal communication skills with the ability to work in a distributed team Preferred Qualifications Experience supporting Marketing, Growth, or GTM teams, particularly in environments involving CDPs, customer segmentation, or campaign orchestration. Experience with reverse ETL tools (e.g., Hightouch, Census), data pipeline tooling (e.g., Airbyte, Fivetran, Databricks), or marketing automation platforms (e.g.,Iterable, Braze, or Salesforce Marketing Cloud). Familiarity with real-time event streaming systems and high-throughput messaging architectures. Experience integrating with third-party APIs and building systems that ingest, transform, and expose large volumes of data. Track record of leading medium-to-large projects and contributing to system design decisions with long-term platform impact. Position location This role is available in the following locations: Remote 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. 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 $166,900 — $230,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

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

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

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Marketplace Optimization builds the intelligent systems that power Upstart's AI lending marketplace. Our teams make real-time decisions about how borrowers are matched with capital, how offers are constructed, and how the marketplace evolves through experimentation. We solve complex optimization problems at scale, balancing borrower experience, investor objectives, profitability, and operational efficiency while operating some of the most critical services at Upstart. Within Marketplace Optimization, engineers join one of two closely related teams: Monetization builds the marketplace services that optimize marketplace economics through origination fees, offer construction, and experimentation capabilities that allow the business to rapidly evolve monetization strategies. Matching & Offer Selection builds the real-time decision engine that intelligently matches borrowers with capital providers while balancing borrower outcomes, investor commitments, marketplace efficiency, and business objectives. As a Senior Software Engineer, you'll partner closely with Product, Machine Learning, Pricing, Capital Markets, Lending Partnerships, and Analytics to build highly reliable distributed systems that power millions of lending decisions. You'll work on systems at the heart of Upstart's lending marketplace. The software your team builds determines how borrowers are matched with capital, how offers are constructed, and how marketplace decisions are executed in real time. It's an opportunity to solve challenging distributed systems problems while building software with direct, measurable impact on borrowers, investors, and the business. How you’ll make an impact Design, build, and operate highly available backend services that power Upstart's real-time lending marketplace. Develop scalable systems that enable rapid experimentation while maintaining the reliability of business-critical production services. Partner with Product, Machine Learning, Capital Markets, and Analytics to translate complex business problems into elegant technical solutions. Build flexible platform capabilities that enable new marketplace optimization and monetization strategies. Improve the scalability, observability, and operational excellence of systems responsible for real-time marketplace decisions. Participate in architecture discussions, code reviews, testing, and operational ownership of critical production systems. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) 5+ years of professional software engineering experience building backend or distributed systems Experience developing production services using one or more of Ruby on Rails, Python, or Kotlin Experience designing APIs and building scalable distributed systems Experience operating business-critical production services with an emphasis on reliability, monitoring, testing, and operational excellence Experience with cloud platforms (AWS preferred) and modern cloud-native application development Experience collaborating across engineering, product, and business stakeholders Preferred Qualifications Experience building marketplaces, recommendation systems, optimization engines, financial systems Experience with event-driven architectures, Kafka, workflow orchestration, or real-time data processing Experience partnering with Machine Learning or Data Science teams Experience improving platform scalability and evolving distributed system architecture Interest in solving complex optimization problems that combine technical and business tradeoffs Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900 — $230,900 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: Marketplace Optimization builds the intelligent systems that power Upstart's AI lending marketplace. Our teams make real-time decisions about how borrowers are matched with capital, how offers are constructed, and how the marketplace evolves through experimentation. We solve complex optimization problems at scale, balancing borrower experience, investor objectives, profitability, and operational efficiency while operating some of the most critical services at Upstart. Within Marketplace Optimization, engineers join one of two closely related teams: Monetization builds the marketplace services that optimize marketplace economics through origination fees, offer construction, and experimentation capabilities that allow the business to rapidly evolve monetization strategies. Matching & Offer Selection builds the real-time decision engine that intelligently matches borrowers with capital providers while balancing borrower outcomes, investor commitments, marketplace efficiency, and business objectives. As a Senior Software Engineer, you'll partner closely with Product, Machine Learning, Pricing, Capital Markets, Lending Partnerships, and Analytics to build highly reliable distributed systems that power millions of lending decisions. You'll work on systems at the heart of Upstart's lending marketplace. The software your team builds determines how borrowers are matched with capital, how offers are constructed, and how marketplace decisions are executed in real time. It's an opportunity to solve challenging distributed systems problems while building software with direct, measurable impact on borrowers, investors, and the business. How you’ll make an impact Design, build, and operate highly available backend services that power Upstart's real-time lending marketplace. Develop scalable systems that enable rapid experimentation while maintaining the reliability of business-critical production services. Partner with Product, Machine Learning, Capital Markets, and Analytics to translate complex business problems into elegant technical solutions. Build flexible platform capabilities that enable new marketplace optimization and monetization strategies. Improve the scalability, observability, and operational excellence of systems responsible for real-time marketplace decisions. Participate in architecture discussions, code reviews, testing, and operational ownership of critical production systems. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) 5+ years of professional software engineering experience building backend or distributed systems Experience developing production services using one or more of Ruby on Rails, Python, or Kotlin Experience designing APIs and building scalable distributed systems Experience operating business-critical production services with an emphasis on reliability, monitoring, testing, and operational excellence Experience with cloud platforms (AWS preferred) and modern cloud-native application development Experience collaborating across engineering, product, and business stakeholders Preferred Qualifications Experience building marketplaces, recommendation systems, optimization engines, financial systems Experience with event-driven architectures, Kafka, workflow orchestration, or real-time data processing Experience partnering with Machine Learning or Data Science teams Experience improving platform scalability and evolving distributed system architecture Interest in solving complex optimization problems that combine technical and business tradeoffs Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900 — $230,900 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 Machine Learning Growth team develops models that help optimize borrower acquisition across marketing channels. The Direct Mail team focuses on causal machine learning models that predict incremental conversion and help prioritize prospects, and its scope is expanding beyond Personal Loans into Home Equity Line of Credit (HELOC), email marketing, digital, and other marketing use cases. The Role: As an Applied Scientist at Upstart, you will improve existing models and develop new approaches that expand the team’s impact across marketing channels. You will work across business-oriented analysis, machine learning research, experimentation, and production-ready modeling, partnering primarily within Machine Learning and with Growth and Marketing Platform Engineering stakeholders. How you’ll make an impact: Analyze historical model and campaign performance to identify opportunities to improve model effectiveness and marketing outcomes. Develop and evaluate machine learning models, including researching new features and model architectures, to improve prospect selection and support new marketing use cases. Design statistically rigorous experiments and model evaluations to measure causal impact, optimize campaign outcomes, and inform decisions. Navigate complex, messy datasets and build reusable data pipelines, metrics, and analytical approaches that enable efficient model development and analysis. Partner with Machine Learning, Growth, and Marketing Platform Engineering teams to translate business problems into research agendas, intermediate milestones, and production-ready solutions. Expand machine learning capabilities beyond direct mail into lifecycle, email, digital, and other emerging marketing channels. Minimum Qualifications: Master’s Degree in Mathematics, Statistics, Economics, Operations Research or a related field Experience applying statistical and machine learning methods to modeling or data science problems. Experience using Python for data analysis, data preparation, and machine learning model development. Experience with causal inference and experimental design, including statistically rigorous evaluation of model or experiment performance Preferred Qualifications: PhD in Mathematics, Statistics, Economics, Operations Research or a related field (or its equivalent) Knowledge of causal machine learning methods and modeling approaches. Ability to translate broadly scoped business problems into structured research questions, analyses, and modeling approaches. Experience working across exploratory data analysis, machine learning research, experimentation, and production model development and scaling. Ability to interpret complex experimental or modeling results and translate findings into actionable recommendations. Experience applying machine learning to marketing, customer acquisition, lifecycle, or other growth use cases. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $141,500 — $196,000 USD 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 $130,900 — $160,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams. You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions. As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform. How You’ll Make an Impact Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products. Collaborate with data scientists and product managers to translate business goals into robust technical solutions. Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs. Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence. Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring. Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience. What We're Looking For Minimum Qualifications 5+ years of professional software development experience building scalable public or consumer-facing products. High level of proficiency coding in production with Python, and some experience with Java or Kotlin or similiar. Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments. Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP). Strong problem-solving skills with an emphasis on scalability, performance, and system reliability. Excellent communication skills, able to explain complex technical topics to both technical and non-technical audiences. Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team. Exhibits a bias for action and comfort navigating ambiguity while driving towards impactful outcomes. Preferred Qualifications Background in finance / fintech, financial mathematics, statistics, or machine learning preferred but not required History of thriving in diverse work environments: both collaborative and self-directed; remote and in-person. Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus). Recognized as a subject matter expert or technical owner for a critical domain, with a passion for sharing knowledge and best practices. Active contributor to the tech community through open source, technical talks, or mentorship. Position Location - This role is available in the following locations: Remote US Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. #LI-REMOTE #LI-MidSenior 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 $166,900 — $230,900 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 $153,000 — $190,000 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: Unsecured Installments is one of Upstart's core lending products, helping borrowers access credit through a seamless, digitally native experience. The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and borrower experience, while working closely with the broader lending platform that powers Upstart at scale. Recent work has focused on improving borrower flows, repricing and rate flexibility, partnership experiences, and the overall quality of the customer-facing experience. As a Senior Software Engineer on the Unsecured Installments team, you'll be a technical leader for the frontend and full-stack experiences that borrowers interact with directly. Working primarily in React and TypeScript, you'll own the delivery of large, multi-month projects, shape the architecture of the team's mobile-web and full-stack surfaces, and set a high bar for quality across the borrower experience. You'll partner closely with product, design, and backend engineers to turn ambiguous problems into durable, well-architected solutions, and you'll mentor other engineers along the way. How you’ll make an impact Own the design and delivery of large, complex frontend and full-stack initiatives using React and TypeScript, from planning and sequencing through launch and long-term maintenance. Set technical direction for the team's frontend architecture and full-stack patterns, owning a 3–6 month roadmap and proactively addressing systemic gaps that threaten team effectiveness. Partner closely with product, design, and backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality experiences. Raise the bar for engineering excellence through strong component and API design, thoughtful state management, testing, observability, and operational rigor across borrower-facing surfaces. Lead through ambiguity, breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs on scope, performance, and user experience. Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team. Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 6+ years of professional software engineering experience. Deep proficiency building complex web applications with React and TypeScript, including component architecture, state management, performance optimization, and consuming REST or GraphQL APIs. Full-stack experience designing and building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js. Track record of independently leading the design and delivery of large, business-critical frontend or full-stack projects in production. Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time. Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product, design, and engineering partners. Preferred Qualifications Experience serving as the frontend or full-stack technical lead for a product team or business-critical product surface. Experience building consumer-facing products at scale with strong attention to performance, accessibility, and user experience. Background in fintech, lending, payments, or other regulated financial products with complex user journeys and high quality expectations. Experience with experimentation, A/B testing, or feature-flagging to drive iterative product improvements in production. Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows. Hands-on experience leveraging generative AI in product features or internal engineering workflows. Passion for building products that expand access to credit and improve financial outcomes for consumers. 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 $166,900 — $223,900 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 $160,400 — $217,000 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: Unsecured Installments is one of Upstart's core lending products, helping borrowers access credit through a seamless, digitally native experience. The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and borrower experience, while working closely with the broader lending platform that powers Upstart at scale. Recent work has focused on improving borrower flows, repricing and rate flexibility, partnership experiences, and the overall quality of the customer-facing experience. As a Senior Software Engineer on the Unsecured Installments team, you'll be a technical leader for the frontend and full-stack experiences that borrowers interact with directly. Working primarily in React and TypeScript, you'll own the delivery of large, multi-month projects, shape the architecture of the team's mobile-web and full-stack surfaces, and set a high bar for quality across the borrower experience. You'll partner closely with product, design, and backend engineers to turn ambiguous problems into durable, well-architected solutions, and you'll mentor other engineers along the way. How you’ll make an impact Own the design and delivery of large, complex frontend and full-stack initiatives using React and TypeScript, from planning and sequencing through launch and long-term maintenance. Set technical direction for the team's frontend architecture and full-stack patterns, owning a 3–6 month roadmap and proactively addressing systemic gaps that threaten team effectiveness. Partner closely with product, design, and backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality experiences. Raise the bar for engineering excellence through strong component and API design, thoughtful state management, testing, observability, and operational rigor across borrower-facing surfaces. Lead through ambiguity, breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs on scope, performance, and user experience. Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team. Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 6+ years of professional software engineering experience. Deep proficiency building complex web applications with React and TypeScript, including component architecture, state management, performance optimization, and consuming REST or GraphQL APIs. Full-stack experience designing and building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js. Track record of independently leading the design and delivery of large, business-critical frontend or full-stack projects in production. Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time. Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product, design, and engineering partners. Preferred Qualifications Experience serving as the frontend or full-stack technical lead for a product team or business-critical product surface. Experience building consumer-facing products at scale with strong attention to performance, accessibility, and user experience. Background in fintech, lending, payments, or other regulated financial products with complex user journeys and high quality expectations. Experience with experimentation, A/B testing, or feature-flagging to drive iterative product improvements in production. Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows. Hands-on experience leveraging generative AI in product features or internal engineering workflows. Passion for building products that expand access to credit and improve financial outcomes for consumers. 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 $166,900 — $223,900 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 $160,400 — $217,000 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