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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 Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while having a direct impact on Upstart's mission and growth. The team is responsible for some of our highest value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with our customers on these channels. As a Senior Engineering Manager at Upstart, you will play a crucial role in shaping how we drive user growth and outreach through intelligent targeting, 3P integrations, and data-heavy scalable infrastructure. You’ll be responsible for the tech behind some of our largest marketing channels and have a direct impact on the company’s performance. You will work closely with cross-functional counterparts in Analytics, Marketing, Machine Learning, and Product to create a scalable marketing platform that mobilizes Upstart’s owned channels to drive users to our products efficiently. How you’ll make an impact Define and implement an engineering roadmap that supports intelligent and scalable outreach to customers via our direct mail, digital, and partnerships platform Work with cross functional partners including Product Managers, Performance Marketing Managers, Analytics, and Research Scientists to make this a highly impactful program Lead, coach, and develop a high-performing engineering team directly, focused on providing high quality solutions and incrementally enhance systems with each pull request Leverage experimentation and data-driven insights to refine growth strategies, optimizing user outreach and conversion through continuous testing, iteration, and personalization Create a best-in-class direct mail and digital infrastructure that scales Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience, including at least 3 years of direct people management experience. Experience leading product oriented teams with quantifiable user impact Ability to convey complex technical information to a variety of audiences Preferred Qualifications Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data Professional experience working on either Marketing technology or Growth engineering Proven track record of leading and growing engineering teams Success in driving initiatives spanning multiple teams across organizations Skilled in scaling systems in both a technical and organizational capacity Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,300 — $270,400 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $182,800 — $230,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Infrastructure Security team is focused on securing the cloud, compute, platform, and deployment layers that run our products. We believe security should enable fast, safe delivery through strong engineering fundamentals, automation, and secure-by-default patterns. Our team partners closely with platform, infrastructure, SRE, product engineering, risk, and compliance teams to reduce risk in areas such as cloud IAM, Kubernetes and container security, network controls, secrets management, infrastructure-as-code, production vulnerability management, and AI-assisted developer workflows. As the Principal Platform Security Engineer at Upstart, you will define and drive the technical strategy for securing Upstart’s production infrastructure and developer platforms. You will lead cross-functional and cross-organizational efforts to reduce systemic infrastructure risk, influence architecture and engineering roadmaps, and build durable security controls that scale across teams. This role is well suited for a senior technical leader who brings deep infrastructure security expertise, strong engineering judgment, and the ability to translate complex security risks into practical, high-impact improvements for the business. How you’ll make an impact: Define and drive Upstart’s infrastructure security strategy, aligning secure-by-default principles with business priorities, regulatory expectations, and Upstart’s cloud-native engineering roadmap. Own the security roadmap for cloud, platform, compute, and deployment environments, partnering with infrastructure, platform, SRE, and product engineering leaders to reduce risk across multiple organizations. Lead security architecture reviews for critical infrastructure initiatives, influencing technical decisions in areas such as cloud IAM, Kubernetes, container security, network segmentation, secrets management, CI/CD, and infrastructure-as-code. Identify and reduce systemic infrastructure security risks by designing durable preventative controls, guardrails, and automation that improve security outcomes across engineering teams. Establish standards and patterns for production access, service identity, workload trust, infrastructure hardening, vulnerability management, and secure operational practices. Partner with engineering teams to improve the security of AI-assisted developer workflows and GenAI-enabled systems, including agentic tooling, coding assistants, and internal AI integrations that interact with production or sensitive environments. Serve as a senior technical authority during high-severity security or production incidents, driving root cause analysis, risk-based prioritization, and long-term architectural improvements. Elevate infrastructure security maturity across Upstart by mentoring engineers, influencing senior stakeholders through clear risk communication, and helping teams build secure systems with less friction. What we’re looking for: Minimum requirements: 8+ years of experience in security engineering, infrastructure engineering, software engineering, or a related technical role. 4+ years of experience focused on infrastructure, cloud, platform, or production security. Experience securing cloud-native infrastructure in AWS or a similar cloud environment. Experience with multiple infrastructure security domains, such as cloud IAM, Kubernetes or container security, network security, secrets management, infrastructure-as-code, CI/CD security, production access, or vulnerability management. Experience writing code or automation in Python, Go, Java, Ruby, or a similar programming language. Experience leading security architecture reviews or technical risk assessments for complex production systems. Experience designing and implementing preventative security controls, guardrails, or platform-level security solutions used by multiple engineering teams. Experience leading cross-functional security initiatives with infrastructure, platform, SRE, product engineering, risk, compliance, or audit stakeholders. Preferred qualifications: 10+ years of experience spanning security engineering, infrastructure engineering, software engineering, or cloud platform engineering. Experience owning a security roadmap for a technical domain that spans multiple teams or organizations. Experience with Kubernetes security, service-to-service trust models, workload identity, runtime security, or cloud-native network controls. Experience improving cloud security posture management, hardening baselines, drift detection, or infrastructure vulnerability management programs. Experience building or scaling infrastructure security programs, including defining metrics, maturity models, and risk-based prioritization frameworks. Familiarity with security considerations for AI-assisted engineering workflows, including code generation, code review tooling, agentic automation, and sensitive data exposure risks. Experience partnering with Legal, Risk, Compliance, or Audit teams to operationalize security controls in a regulated environment. Security certifications such as AWS Security Specialty, GCP Professional Cloud Security Engineer, CISSP, CCSP, or equivalent practical expertise. Position Location - This role is available in the following locations: Remote (US), San Mateo, Columbus, Austin Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $190,600 — $263,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Unsecured Underwriting Machine Learning team develops and improves the models that inform credit decisions for our unsecured lending products. The team conducts machine learning research, evaluates model performance, and partners closely with engineering teams to translate promising ideas into scalable model improvements. As an Applied Scientist, you will research and implement enhancements to Upstart’s core unsecured underwriting model. Your work will directly influence credit decisioning and help the team increase the pace of research while maintaining the rigor, reliability, and responsible oversight required of production underwriting models. As an Applied Scientist in the Unsecured Underwriting Machine Learning team at Upstart, you will: Research machine learning and statistical approaches that improve the predictive performance of unsecured underwriting models. Design, implement, and evaluate model enhancements using rigorous experimentation and validation methods. Analyze model performance and downstream effects to confirm that proposed changes improve decisioning reliably. Partner with various engineering teams to support technical reviews, implementation, and deployment. Translate research findings into clear recommendations, documented methodologies, and production-ready solutions. Minimum Qualifications Graduate degree in mathematics, applied mathematics, statistics, physics, econometrics, operations research, computer science, or a related quantitative field. 0–2 years of experience conducting machine learning, statistical modeling, or applied quantitative research in an academic or industry setting. Experience developing and evaluating machine learning or statistical models using Python. Demonstrated knowledge of probability, statistics, and machine learning methods. Experience designing experiments or validation analyses to assess model accuracy, reliability, or predictive performance. Preferred Qualifications PhD in a quantitative field. Knowledge of supervised learning, model evaluation, and feature engineering techniques. Experience working with large or complex datasets and translating research concepts into implemented solutions. Ability to balance research velocity with analytical rigor, model reliability, and responsible decision-making. Strong written and verbal communication skills, with the ability to clearly explain technical concepts and collaborate effectively with cross-functional teams and stakeholders from diverse backgrounds. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $141,500 — $196,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart's Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while having a direct impact on Upstart's mission and growth. The team is responsible for some of our highest value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with our customers on these channels. As a Senior Engineering Manager at Upstart, you will play a crucial role in shaping how we drive user growth and outreach through intelligent targeting, 3P integrations, and data-heavy scalable infrastructure. You’ll be responsible for the tech behind some of our largest marketing channels and have a direct impact on the company’s performance. You will work closely with cross-functional counterparts in Analytics, Marketing, Machine Learning, and Product to create a scalable marketing platform that mobilizes Upstart’s owned channels to drive users to our products efficiently. How you’ll make an impact Define and implement an engineering roadmap that supports intelligent and scalable outreach to customers via our direct mail, digital, and partnerships platform Work with cross functional partners including Product Managers, Performance Marketing Managers, Analytics, and Research Scientists to make this a highly impactful program Lead, coach, and develop a high-performing engineering team directly, focused on providing high quality solutions and incrementally enhance systems with each pull request Leverage experimentation and data-driven insights to refine growth strategies, optimizing user outreach and conversion through continuous testing, iteration, and personalization Create a best-in-class direct mail and digital infrastructure that scales Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience, including at least 3 years of direct people management experience. Experience leading product oriented teams with quantifiable user impact Ability to convey complex technical information to a variety of audiences Preferred Qualifications Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data Professional experience working on either Marketing technology or Growth engineering Proven track record of leading and growing engineering teams Success in driving initiatives spanning multiple teams across organizations Skilled in scaling systems in both a technical and organizational capacity Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,300 — $270,400 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $182,800 — $230,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Application Security team enables product and engineering teams to build secure products without slowing innovation. We believe security should move at the speed of the business and that safety by design should be embedded throughout the software development lifecycle. Through engineering, automation, and close collaboration, we protect Upstart’s customer-facing products, internal applications, APIs, and AI-enabled systems while maintaining a positive developer experience. As a Senior Application Security Engineer at Upstart, you will lead application security projects that reduce risk across our products and engineering ecosystem. You will partner with product, platform, data, infrastructure, and engineering teams to identify security risks, review designs, build preventative controls, and drive complex issues through remediation. This role is well suited for an experienced application security engineer who can lead substantial technical initiatives, navigate ambiguity, and deliver durable improvements that raise the security bar across the team and its partners. How you’ll make an impact Lead application security projects from planning through implementation, coordinating contributors and dependencies to deliver high-quality outcomes. Conduct threat modeling and security architecture reviews for complex customer-facing applications, APIs, distributed services, and AI/ML systems. Design and implement secure-by-default controls across the software development lifecycle, including secure coding standards, API protections, automated testing, CI/CD safeguards, and secrets management. Partner with engineering teams to identify systemic vulnerabilities, evaluate practical remediation options, and ensure high-risk issues are resolved effectively. Build services and automation that improve vulnerability detection, prioritization, validation, and prevention while reducing friction for developers. Assess the security of AI-enabled products and developer workflows, including GenAI integrations, agentic systems, model inputs and outputs, sensitive-data handling, and access boundaries. Provide technical leadership during high-severity application security incidents, helping determine root causes and drive durable follow-up improvements. Improve team effectiveness by contributing to design and code reviews, documenting reusable patterns, mentoring engineers, and helping strengthen application security practices across Upstart. Minimum Qualifications 5+ years of experience in security engineering, software engineering, or a related technical role, including 2+ years focused on application or product security. Experience leading security projects involving multiple contributors or partner teams. Experience conducting threat modeling and security architecture reviews for complex production applications. Experience developing production software or security automation in Java, Python, Ruby, Go, or a similar programming language. Experience designing or implementing application security controls across the software development lifecycle, including several of the following: API security, secure coding standards, SAST, DAST, SCA, CI/CD security, or secrets management. Experience identifying, validating, prioritizing, and driving remediation of application vulnerabilities. Experience securing cloud-native or distributed systems, including web applications, APIs, or microservices. Experience investigating significant application security issues or incidents and translating findings into corrective engineering work. Preferred Qualifications Experience building reusable application security guardrails, platforms, or automation adopted by multiple engineering teams. Experience securing modern frontend frameworks, REST or GraphQL APIs, microservices, and event-driven architectures. Familiarity with security risks affecting AI/ML and GenAI-enabled systems, including prompt injection, insecure tool use, sensitive-data exposure, and model supply-chain risks. Experience using risk metrics or program data to prioritize work and measure improvements in application security outcomes. Experience mentoring security or software engineers and raising quality through design and code reviews. Experience partnering with Legal, Risk, Compliance, or Audit teams in a regulated environment. Security certifications such as CISSP, CSSLP, CCSP, AWS Security Specialty, or equivalent practical expertise. 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. #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 What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Infrastructure Security team is focused on securing the cloud, compute, platform, and deployment layers that run our products. We believe security should enable fast, safe delivery through strong engineering fundamentals, automation, and secure-by-default patterns. Our team partners closely with platform, infrastructure, SRE, product engineering, risk, and compliance teams to reduce risk in areas such as cloud IAM, Kubernetes and container security, network controls, secrets management, infrastructure-as-code, production vulnerability management, and AI-assisted developer workflows. As the Principal Platform Security Engineer at Upstart, you will define and drive the technical strategy for securing Upstart’s production infrastructure and developer platforms. You will lead cross-functional and cross-organizational efforts to reduce systemic infrastructure risk, influence architecture and engineering roadmaps, and build durable security controls that scale across teams. This role is well suited for a senior technical leader who brings deep infrastructure security expertise, strong engineering judgment, and the ability to translate complex security risks into practical, high-impact improvements for the business. How you’ll make an impact: Define and drive Upstart’s infrastructure security strategy, aligning secure-by-default principles with business priorities, regulatory expectations, and Upstart’s cloud-native engineering roadmap. Own the security roadmap for cloud, platform, compute, and deployment environments, partnering with infrastructure, platform, SRE, and product engineering leaders to reduce risk across multiple organizations. Lead security architecture reviews for critical infrastructure initiatives, influencing technical decisions in areas such as cloud IAM, Kubernetes, container security, network segmentation, secrets management, CI/CD, and infrastructure-as-code. Identify and reduce systemic infrastructure security risks by designing durable preventative controls, guardrails, and automation that improve security outcomes across engineering teams. Establish standards and patterns for production access, service identity, workload trust, infrastructure hardening, vulnerability management, and secure operational practices. Partner with engineering teams to improve the security of AI-assisted developer workflows and GenAI-enabled systems, including agentic tooling, coding assistants, and internal AI integrations that interact with production or sensitive environments. Serve as a senior technical authority during high-severity security or production incidents, driving root cause analysis, risk-based prioritization, and long-term architectural improvements. Elevate infrastructure security maturity across Upstart by mentoring engineers, influencing senior stakeholders through clear risk communication, and helping teams build secure systems with less friction. What we’re looking for: Minimum requirements: 8+ years of experience in security engineering, infrastructure engineering, software engineering, or a related technical role. 4+ years of experience focused on infrastructure, cloud, platform, or production security. Experience securing cloud-native infrastructure in AWS or a similar cloud environment. Experience with multiple infrastructure security domains, such as cloud IAM, Kubernetes or container security, network security, secrets management, infrastructure-as-code, CI/CD security, production access, or vulnerability management. Experience writing code or automation in Python, Go, Java, Ruby, or a similar programming language. Experience leading security architecture reviews or technical risk assessments for complex production systems. Experience designing and implementing preventative security controls, guardrails, or platform-level security solutions used by multiple engineering teams. Experience leading cross-functional security initiatives with infrastructure, platform, SRE, product engineering, risk, compliance, or audit stakeholders. Preferred qualifications: 10+ years of experience spanning security engineering, infrastructure engineering, software engineering, or cloud platform engineering. Experience owning a security roadmap for a technical domain that spans multiple teams or organizations. Experience with Kubernetes security, service-to-service trust models, workload identity, runtime security, or cloud-native network controls. Experience improving cloud security posture management, hardening baselines, drift detection, or infrastructure vulnerability management programs. Experience building or scaling infrastructure security programs, including defining metrics, maturity models, and risk-based prioritization frameworks. Familiarity with security considerations for AI-assisted engineering workflows, including code generation, code review tooling, agentic automation, and sensitive data exposure risks. Experience partnering with Legal, Risk, Compliance, or Audit teams to operationalize security controls in a regulated environment. Security certifications such as AWS Security Specialty, GCP Professional Cloud Security Engineer, CISSP, CCSP, or equivalent practical expertise. Position Location - This role is available in the following locations: Remote (US), San Mateo, Columbus, Austin Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $190,600 — $263,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Application Security team enables product and engineering teams to build secure products without slowing innovation. We believe security should move at the speed of the business and that safety by design should be embedded throughout the software development lifecycle. Through engineering, automation, and close collaboration, we protect Upstart’s customer-facing products, internal applications, APIs, and AI-enabled systems while maintaining a positive developer experience. As a Senior Application Security Engineer at Upstart, you will lead application security projects that reduce risk across our products and engineering ecosystem. You will partner with product, platform, data, infrastructure, and engineering teams to identify security risks, review designs, build preventative controls, and drive complex issues through remediation. This role is well suited for an experienced application security engineer who can lead substantial technical initiatives, navigate ambiguity, and deliver durable improvements that raise the security bar across the team and its partners. How you’ll make an impact Lead application security projects from planning through implementation, coordinating contributors and dependencies to deliver high-quality outcomes. Conduct threat modeling and security architecture reviews for complex customer-facing applications, APIs, distributed services, and AI/ML systems. Design and implement secure-by-default controls across the software development lifecycle, including secure coding standards, API protections, automated testing, CI/CD safeguards, and secrets management. Partner with engineering teams to identify systemic vulnerabilities, evaluate practical remediation options, and ensure high-risk issues are resolved effectively. Build services and automation that improve vulnerability detection, prioritization, validation, and prevention while reducing friction for developers. Assess the security of AI-enabled products and developer workflows, including GenAI integrations, agentic systems, model inputs and outputs, sensitive-data handling, and access boundaries. Provide technical leadership during high-severity application security incidents, helping determine root causes and drive durable follow-up improvements. Improve team effectiveness by contributing to design and code reviews, documenting reusable patterns, mentoring engineers, and helping strengthen application security practices across Upstart. Minimum Qualifications 5+ years of experience in security engineering, software engineering, or a related technical role, including 2+ years focused on application or product security. Experience leading security projects involving multiple contributors or partner teams. Experience conducting threat modeling and security architecture reviews for complex production applications. Experience developing production software or security automation in Java, Python, Ruby, Go, or a similar programming language. Experience designing or implementing application security controls across the software development lifecycle, including several of the following: API security, secure coding standards, SAST, DAST, SCA, CI/CD security, or secrets management. Experience identifying, validating, prioritizing, and driving remediation of application vulnerabilities. Experience securing cloud-native or distributed systems, including web applications, APIs, or microservices. Experience investigating significant application security issues or incidents and translating findings into corrective engineering work. Preferred Qualifications Experience building reusable application security guardrails, platforms, or automation adopted by multiple engineering teams. Experience securing modern frontend frameworks, REST or GraphQL APIs, microservices, and event-driven architectures. Familiarity with security risks affecting AI/ML and GenAI-enabled systems, including prompt injection, insecure tool use, sensitive-data exposure, and model supply-chain risks. Experience using risk metrics or program data to prioritize work and measure improvements in application security outcomes. Experience mentoring security or software engineers and raising quality through design and code reviews. Experience partnering with Legal, Risk, Compliance, or Audit teams in a regulated environment. Security certifications such as CISSP, CSSLP, CCSP, AWS Security Specialty, or equivalent practical expertise. 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. #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 What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart's Core Pricing team drives key initiatives that directly influence our revenue streams, unit economics, and product strategy. The team builds and evolves the common systems used to translate underwriting insights into accurate risk and profitability decisions for every loan we originate, while enabling a seamless borrower experience across products. As a Principal Software Engineer on Core Pricing, you will provide technical leadership that spans engineering, machine learning, and product organizations — not just the Pricing team. You will shape the long-term architecture, strategy, and operating model for pricing systems that serve multiple product lines and stakeholders across the company. Working in close partnership with engineering, ML, product, and business leaders across Personal Loans, Auto, HELOC, and adjacent platforms, you will lead the development of scalable, low-latency, highly reliable services that convert ML underwriting outputs into pricing decisions, and you will help define the future of Upstart's pricing platform as the company expands into new products, markets, and capabilities. Our stack spans Python (Django, FastAPI, Celery), Kotlin/Spring Boot, gRPC/Protobuf, Temporal for workflow orchestration, AWS (S3, RDS/Postgres, ElastiCache), Kubernetes/Helm, and Datadog for observability. How you'll make an impact Define the cross-company technical vision and roadmap for Upstart's pricing platform, ensuring alignment across Pricing, Personal Loans, Auto, HELOC, ML, and Product organizations. Lead the architectural evolution from tightly coupled, sequential workflows toward modular, reusable platform capabilities across loan products. Design and improve Tier 0/Tier 1 services where latency, throughput, availability, and financial correctness are all critical. Partner closely with machine-learning scientists and engineers to create reliable, scalable boundaries between models and production pricing systems. Balance the sometimes-competing needs of engineering, machine learning, and product teams across organizations, making pragmatic trade-offs that serve Upstart's broader technical and business strategy. Clarify service, API, configuration, and ownership boundaries across Pricing, Personal Loans, Auto, HELOC, and adjacent platform teams. Evaluate runtime and language choices pragmatically, including where Python, Kotlin, Rust or Go best serve long-term system needs. Reduce operational burden through better testing, observability, failure isolation, incident learning, and architecture that limits blast radius. Lead company-wide technical discussions, surface trade-offs clearly, and build alignment across Engineering, ML, Product, Data, Security, Compliance, and business partners. Stay close to implementation through design reviews, prototypes, and critical code while mentoring senior technical leaders and making the people around you more successful. Prioritize technical-debt and platform investments based on business value, risk reduction, and long-term return rather than technical elegance alone. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field - or equivalent practical experience - plus 8 or more years of software engineering experience. A track record of setting architecture and technical direction for large, complex distributed systems used across multiple teams or products. Deep backend engineering experience and production proficiency in at least one of Python, Kotlin, or Java; willingness and ability to work effectively in a predominantly Python environment. Experience designing or operating Tier 0/Tier 1 services with demanding latency, throughput, availability, and correctness requirements. Strong understanding of APIs, service-oriented or modular architectures, containerization, cloud infrastructure (e.g., AWS), and maintainable software design. Hands-on technical judgment: you can move from strategy and architecture into concrete designs, prototypes, debugging, and critical implementation decisions. Strong communication skills and the ability to explain complex systems, constraints, and trade-offs to technical and nontechnical audiences. Demonstrated success leading cross-organization technical decisions — balancing the needs of engineering, machine learning, and product teams — and influencing without direct authority. Experience mentoring senior engineers and expanding the effectiveness and scope of other technical leaders. Strong product and business judgment, including the ability to balance delivery, reliability, technical debt, risk, and long-term investment. Preferred Qualifications Experience building calculation-heavy, real-time decisioning, pricing, marketplace, risk, fraud, payments, trading, auction, or advertising systems. Experience partnering with machine-learning teams or productionizing models at scale, including clear boundaries between modeling workflows and production services. Experience modernizing a mature or tightly coupled platform through staged migration while continuing to deliver customer and business value. Experience with AWS, Kubernetes, microservices, event-driven systems, and production observability. Additional production experience with Rust or another performance-oriented language. Background or applied exposure in statistics, mathematics, economics, econometrics, financial systems, or other quantitative domains. Experience in a rapidly scaling or changing organization where architecture had to evolve alongside the business. Position location Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,300 — $270,400 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy