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

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Servicing teams play a critical role in supporting our borrowers throughout the life of their loan. They are responsible for helping ensure every borrower has a smooth, transparent, and empathetic experience—from the moment their loan is funded through final repayment. Servicing also plays an important role in Upstart’s financial performance. By proactively preventing delinquency, managing operational costs, and continuously improving our servicing platform, they help protect both our borrowers and the business. This is where empathy meets execution—and where every interaction is an opportunity to build trust. As the Senior Engineering Manager at Upstart, you will lead a team of 12+ engineers across two engineering squads, partnering closely with Product, Risk, and Operations to translate business needs into resilient, scalable technical solutions. This role reports to a Senior Director of Engineering and focuses on driving architectural clarity, developing high-performing teams, and building systems that balance speed, reliability, and compliance. How you’ll make an impact Lead and develop multiple engineering teams responsible for critical Servicing products. Define and execute multi-quarter technical and engineering strategies aligned with Servicing and company priorities. Partner with Product and cross-functional leaders to translate borrower and business needs into scalable technical solutions. Drive architectural clarity and justified technical decisioning across complex systems. Build a culture of ownership, execution, collaboration, and operational excellence. Hire, coach, and develop engineers and emerging engineering leaders Establish clear visibility into technical priorities, delivery risks, trade-offs, and roadmap execution. Minimum Qualifications 10–15 years of software engineering experience, with 4–7 years in engineering management roles. Deep technical expertise in distributed systems, APIs, and systems design. Proven experience leading teams in regulated domains such as fintech, payments, or lending. Demonstrated ability to define and deliver complex technical strategies that align with business goals. Strong track record of building high-performing teams and mentoring engineering leaders. Excellent communication and cross-functional collaboration skills. Preferred Qualifications Experience building technology in fintech, lending, payments, servicing, or another regulated environment. 7+ years of engineering management experience. Experience leading both product and platform-oriented engineering teams. Strong product judgment and the ability to connect technical decisions to business outcomes. Experience modernizing or evolving complex technical platforms while continuing to deliver customer-facing features. Experience partnering closely with Product, Design, Operations, Risk, or other business functions. Familiarity with applying AI or automation to customer experiences, internal workflows, or operational systems. 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 $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 Servicing teams play a critical role in supporting our borrowers throughout the life of their loan. They are responsible for helping ensure every borrower has a smooth, transparent, and empathetic experience—from the moment their loan is funded through final repayment. Servicing also plays an important role in Upstart’s financial performance. By proactively preventing delinquency, managing operational costs, and continuously improving our servicing platform, they help protect both our borrowers and the business. This is where empathy meets execution—and where every interaction is an opportunity to build trust. As the Senior Engineering Manager at Upstart, you will lead a team of 12+ engineers across two engineering squads, partnering closely with Product, Risk, and Operations to translate business needs into resilient, scalable technical solutions. This role reports to a Senior Director of Engineering and focuses on driving architectural clarity, developing high-performing teams, and building systems that balance speed, reliability, and compliance. How you’ll make an impact Lead and develop multiple engineering teams responsible for critical Servicing products. Define and execute multi-quarter technical and engineering strategies aligned with Servicing and company priorities. Partner with Product and cross-functional leaders to translate borrower and business needs into scalable technical solutions. Drive architectural clarity and justified technical decisioning across complex systems. Build a culture of ownership, execution, collaboration, and operational excellence. Hire, coach, and develop engineers and emerging engineering leaders Establish clear visibility into technical priorities, delivery risks, trade-offs, and roadmap execution. Minimum Qualifications 10–15 years of software engineering experience, with 4–7 years in engineering management roles. Deep technical expertise in distributed systems, APIs, and systems design. Proven experience leading teams in regulated domains such as fintech, payments, or lending. Demonstrated ability to define and deliver complex technical strategies that align with business goals. Strong track record of building high-performing teams and mentoring engineering leaders. Excellent communication and cross-functional collaboration skills. Preferred Qualifications Experience building technology in fintech, lending, payments, servicing, or another regulated environment. 7+ years of engineering management experience. Experience leading both product and platform-oriented engineering teams. Strong product judgment and the ability to connect technical decisions to business outcomes. Experience modernizing or evolving complex technical platforms while continuing to deliver customer-facing features. Experience partnering closely with Product, Design, Operations, Risk, or other business functions. Familiarity with applying AI or automation to customer experiences, internal workflows, or operational systems. 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 $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: The Site Reliability Engineering (SRE) team enables Upstart’s engineering organization to operate reliable, observable, and resilient systems at scale. The team owns company-wide incident management practices, reliability standards, operational readiness, and the capabilities that help engineering teams identify, respond to, and learn from production issues. Our goal is to make reliability an integrated part of how software is designed, delivered, and operated. We are building a model where engineering teams have the trusted signals, automated safeguards, and operational practices needed to move quickly while protecting our customers and business. The team advances observability, incident detection and response, service level objectives, operational readiness, and systemic improvements based on incident learnings. SRE partners across product engineering, infrastructure, security, and platform teams to improve reliability at scale. The Role: As the Senior Engineering Manager of Site Reliability Engineering, you will lead a team responsible for improving the reliability and operational maturity of Upstart’s products and services. You will drive high impact improvements across incident management, observability, operational readiness, and reliability engineering. You will serve as the accountable leader of the SRE function, translating reliability strategy into focused plans, clear ownership, and measurable outcomes. You will partner closely with engineering leaders to establish reliability expectations, identify systemic risks, and build scalable capabilities that enable teams to operate services safely and independently. This role is suited for a hands-on leader with strong technical judgment, disciplined execution, and a track record of building high performing teams. You will balance immediate operational needs with durable improvements that reduce risk, strengthen resilience, and improve how Upstart learns from production. How you’ll make an impact Team Leadership and Execution Manage and develop a team focused on incident management, observability, operational readiness, and reliability engineering Define a clear charter, priorities, roadmap, and measurable outcomes for the SRE function Translate strategy into capacity aware plans with explicit trade offs, ownership, milestones, and success measures Maintain visibility into delivery health, operational risks, and team performance, intervening early when execution drifts Build a resilient operating model through cross-training, shared context, effective delegation, and clear primary and secondary ownership Set a high bar for technical quality, operating rigor, and executive communication Develop engineers and leaders who can independently own complex reliability initiatives Incident Management and Learning Evolve Upstart’s incident management program to improve detection, response, coordination, communication, and recovery Establish clear standards for managing high severity incidents and provide visible leadership during critical events Improve postmortem quality and ensure incident learnings result in durable engineering improvements Identify recurring failure patterns and drive systemic solutions across teams Create strong feedback loops from incidents into roadmaps, service standards, operational readiness requirements, and measurable risk reduction Observability and Reliability Engineering Improve the quality, accessibility, and trustworthiness of signals used to understand production health Drive consistent practices across metrics, logs, traces, alerting, and service health Advance the use of service level objectives and customer impact signals to guide priorities and operational decisions Reduce detection gaps, noisy alerts, manual investigation, and recurring operational toil Define measurable reliability outcomes and use data to prioritize investments and communicate impact Partner with platform and product engineering teams to embed reliability into standard engineering workflows Operational Readiness and Resilience Establish scalable operational readiness standards for new services, major launches, and architectural changes Set clear expectations for service ownership, monitoring, capacity, failure handling, and incident response Identify systemic reliability risks and partner with engineering teams to prioritize and address them Improve resilience through automation, failure testing, recovery capabilities, and operational safeguards Build operating mechanisms that turn reviews and analysis into clear decisions, owners, timelines, and sustained follow through Align stakeholders and dependencies before critical launches and engineering decisions Minimum Qualifications 5+ years of reliability engineering management experience and 7+ years of experience in software engineering, site reliability engineering, infrastructure, or platform engineering Significant hands-on experience in Site Reliability Engineering, Production Engineering, or an equivalent role responsible for operating and improving production systems Direct experience managing an SRE, Production Engineering, or equivalent reliability function, including ownership of its strategy, roadmap, operating model, and outcomes Strong technical depth in distributed systems, cloud infrastructure, observability, and production operations Experience leading high severity incident response and improving incident management practices at scale Demonstrated ability to translate strategy into focused, capacity aware plans and deliver measurable outcomes Track record of hiring, developing, and retaining high performing engineers and engineering leaders Strong cross-functional leadership and communication, with the ability to turn complex operational data into clear decisions and drive alignment across teams Preferred Qualifications Experience operating large scale, highly available distributed systems Experience implementing or evolving service-level objectives and error-budget practices Experience with observability platforms such as Datadog, Grafana, Prometheus, OpenTelemetry, or similar technologies Experience developing incident management, operational readiness, or resilience programs across a large engineering organization Familiarity with Kubernetes, AWS, and modern cloud native architectures Experience supporting major platform or architectural transitions Strong product mindset when building internal reliability capabilities Experience establishing executive level reliability reporting and operating reviews 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 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 Site Reliability Engineering (SRE) team enables Upstart’s engineering organization to operate reliable, observable, and resilient systems at scale. The team owns company-wide incident management practices, reliability standards, operational readiness, and the capabilities that help engineering teams identify, respond to, and learn from production issues. Our goal is to make reliability an integrated part of how software is designed, delivered, and operated. We are building a model where engineering teams have the trusted signals, automated safeguards, and operational practices needed to move quickly while protecting our customers and business. The team advances observability, incident detection and response, service level objectives, operational readiness, and systemic improvements based on incident learnings. SRE partners across product engineering, infrastructure, security, and platform teams to improve reliability at scale. The Role: As the Senior Engineering Manager of Site Reliability Engineering, you will lead a team responsible for improving the reliability and operational maturity of Upstart’s products and services. You will drive high impact improvements across incident management, observability, operational readiness, and reliability engineering. You will serve as the accountable leader of the SRE function, translating reliability strategy into focused plans, clear ownership, and measurable outcomes. You will partner closely with engineering leaders to establish reliability expectations, identify systemic risks, and build scalable capabilities that enable teams to operate services safely and independently. This role is suited for a hands-on leader with strong technical judgment, disciplined execution, and a track record of building high performing teams. You will balance immediate operational needs with durable improvements that reduce risk, strengthen resilience, and improve how Upstart learns from production. How you’ll make an impact Team Leadership and Execution Manage and develop a team focused on incident management, observability, operational readiness, and reliability engineering Define a clear charter, priorities, roadmap, and measurable outcomes for the SRE function Translate strategy into capacity aware plans with explicit trade offs, ownership, milestones, and success measures Maintain visibility into delivery health, operational risks, and team performance, intervening early when execution drifts Build a resilient operating model through cross-training, shared context, effective delegation, and clear primary and secondary ownership Set a high bar for technical quality, operating rigor, and executive communication Develop engineers and leaders who can independently own complex reliability initiatives Incident Management and Learning Evolve Upstart’s incident management program to improve detection, response, coordination, communication, and recovery Establish clear standards for managing high severity incidents and provide visible leadership during critical events Improve postmortem quality and ensure incident learnings result in durable engineering improvements Identify recurring failure patterns and drive systemic solutions across teams Create strong feedback loops from incidents into roadmaps, service standards, operational readiness requirements, and measurable risk reduction Observability and Reliability Engineering Improve the quality, accessibility, and trustworthiness of signals used to understand production health Drive consistent practices across metrics, logs, traces, alerting, and service health Advance the use of service level objectives and customer impact signals to guide priorities and operational decisions Reduce detection gaps, noisy alerts, manual investigation, and recurring operational toil Define measurable reliability outcomes and use data to prioritize investments and communicate impact Partner with platform and product engineering teams to embed reliability into standard engineering workflows Operational Readiness and Resilience Establish scalable operational readiness standards for new services, major launches, and architectural changes Set clear expectations for service ownership, monitoring, capacity, failure handling, and incident response Identify systemic reliability risks and partner with engineering teams to prioritize and address them Improve resilience through automation, failure testing, recovery capabilities, and operational safeguards Build operating mechanisms that turn reviews and analysis into clear decisions, owners, timelines, and sustained follow through Align stakeholders and dependencies before critical launches and engineering decisions Minimum Qualifications 5+ years of reliability engineering management experience and 7+ years of experience in software engineering, site reliability engineering, infrastructure, or platform engineering Significant hands-on experience in Site Reliability Engineering, Production Engineering, or an equivalent role responsible for operating and improving production systems Direct experience managing an SRE, Production Engineering, or equivalent reliability function, including ownership of its strategy, roadmap, operating model, and outcomes Strong technical depth in distributed systems, cloud infrastructure, observability, and production operations Experience leading high severity incident response and improving incident management practices at scale Demonstrated ability to translate strategy into focused, capacity aware plans and deliver measurable outcomes Track record of hiring, developing, and retaining high performing engineers and engineering leaders Strong cross-functional leadership and communication, with the ability to turn complex operational data into clear decisions and drive alignment across teams Preferred Qualifications Experience operating large scale, highly available distributed systems Experience implementing or evolving service-level objectives and error-budget practices Experience with observability platforms such as Datadog, Grafana, Prometheus, OpenTelemetry, or similar technologies Experience developing incident management, operational readiness, or resilience programs across a large engineering organization Familiarity with Kubernetes, AWS, and modern cloud native architectures Experience supporting major platform or architectural transitions Strong product mindset when building internal reliability capabilities Experience establishing executive level reliability reporting and operating reviews 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 What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale. As Senior Manager, Software Engineering for Upstart Bank, you will lead one or more engineering teams responsible for a critical area of the bank platform. You will translate product, regulatory, and operational priorities into technical plans and reliable execution across systems spanning areas such as payments, funding, reporting, or integrations. You will partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and senior engineering leaders to deliver scalable, reliable, and audit-ready infrastructure for a modern banking platform. This is a rare opportunity to help build a modern bank platform from an early foundation rather than inherit a legacy core. How you’ll make an impact Lead and grow one or more engineering teams responsible for a critical area of the Upstart Bank platform Drive execution across complex, bank-critical systems in areas such as ledgering and funding, deposits and payments, reporting, or integrations Partner with Product, Compliance, Legal, Risk, Finance, and Operations to translate business and regulatory needs into technical plans and delivered software Contribute to technical direction and architecture for your area, ensuring systems support reliability, resilience, security, traceability, and auditability Manage cross-functional dependencies and improve the predictability and quality of delivery across teams Build engineering processes that support internal controls, audits, change management, and reliable operation in a regulated environment Hire, coach, and develop engineers and emerging engineering leaders Foster a culture of rigor, ownership, accountability, and continuous improvement Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience 8+ years of engineering experience, including 3+ years of engineering management experience Experience leading engineering teams through complex, cross-functional platform or infrastructure initiatives Strong technical background with experience contributing to architecture and technical direction for distributed systems, cloud platforms, or business-critical infrastructure Experience operating in regulated, high-control, or high-reliability environments where quality, controls, auditability, and change management are critical Preferred Qualifications Experience building or integrating core financial infrastructure such as ledgering, payments, deposits, funding systems, reporting, or financial integrations Experience in banking, fintech, payments, lending, or other regulated financial systems Experience building platforms that support internal controls, audits, and reliable operation in regulated environments Experience leading platform modernization, core-system launches, vendor integrations, or major infrastructure transformations Experience developing senior engineers, tech leads, or emerging engineering leaders Demonstrated ability to balance speed, quality, reliability, and compliance in high-stakes technical environments Interest in improving access to credit through technology and scalable financial infrastructure Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior --> use for L5, L6 At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,300 — $256,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

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

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: The Core Pricing Team is responsible for building a best-in-class platform to accurately create loan offers for all of Upstart’s loan products like Personal Loans, Auto loans and Home loans. The services owned by the team are responsible for validating applicant data, interfacing with Machine Learning models to calculate borrower risk, matching applicants to lenders, and calculating interest rates, fees, etc. We are developing new capabilities for Upstart’s loan products and building a next generation software platform to accelerate innovation on behalf of our customers. As a Principal Software Engineer, you will drive technical excellence and innovation within the Core Pricing team, with a focus on Personal and Unsecured Loans, one of Upstart’s primary revenue drivers. You will set the technical vision and direction for the team, working backward from our product strategy. You will lead efforts to deliver software that uses machine learning to optimize pricing and continuously improve the efficiency of our borrower-lender marketplace. You will have the opportunity to design and build large-scale systems, partner closely with machine learning scientists, and work in a highly collaborative, fast-paced environment. We are looking for a seasoned technical leader with a passion for machine learning, finance, experimentation, and distributed systems. If this sounds exciting, we would love to hear from you. How you’ll make an impact Define the long-term technical direction and roadmap for Pricing in alignment with Upstart’s business objectives. Lead the design and development of a system that continuously optimizes the matching of supply and demand for Upstart’s borrower-lender marketplace. Work closely with ML scientists to improve and develop new models that improve core business metrics. Guide the architectural evolution of Pricing engineering systems with an emphasis on scaling innovation across multiple engineering teams. Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation Lead from the front, while mentoring and developing technical leaders Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience Experience building highly scalable systems using containerization technologies like Docker and Kubernetes Experience building flexible, extensible and consistent APIs Solid grasp of software development principles and best practices for creating scalable, extensible and maintainable systems Proficiency in one or more object oriented programming languages like Python, Java, C#, C++ Strong communication skills and ability to explain complex business and technical concepts to all audiences Track record of successfully mentoring and developing technical leaders Experience working in dynamic fast paced organizations Ability to balance the needs of the business with the needs of engineering improvements Passion for clean code and architecture and initiative to “level-up” the engineering team with better practices & design You are able lead and resolve company-wide technical discussions and are able to collaborate and include input from cross-functional teams (security, devops, data, compliance and product) You have a good sense for build-vs-buy and are able to prioritize the highest ROI architectural investments Preferred Qualifications High proficiency with Python Experience with A/B testing, GRPC, and Kafka Experience working in Fintech, Pricing, Ads, or ML. Background in statistics, mathematics, or econometrics is a big plus. Experience designing and building microservice-based architectures Experience developing large scale distributed systems in AWS Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve Ability to influence and lead without direct authority Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs Experience working at companies that have gone through periods of rapid business or organizational growth Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,300 — $270,400 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy