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

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart's Bank Technology team builds the internal platforms, security automation, and operational systems that enable Upstart Bank to operate securely, efficiently, and at scale. The team partners closely with stakeholders across risk, legal, compliance, security, and operations to create software solutions that support the bank's growth as a licensed financial institution. As a Principal Software Engineer, you will provide technical leadership across a growing portfolio of internal platforms and automation systems. You will drive architectural direction, solve complex technical challenges, and establish engineering patterns that enable the team to deliver secure, scalable, and maintainable solutions for the bank's most critical operational functions. How you'll make an impact Lead the architecture, design, and implementation of internal platforms, security automation systems, and workflow tooling that support Upstart Bank operations. Establish scalable engineering patterns, technical standards, and system designs that enable long-term platform growth and maintainability. Partner with stakeholders across risk, compliance, legal, operations, and engineering to translate complex business requirements into durable software solutions. Design and oversee relational data models, authorization systems, integrations, and platform services that support secure and reliable operations. Identify and mitigate technical risks, making thoughtful decisions around system architecture, platform investments, and build-versus-buy tradeoffs. Mentor engineers through technical leadership, architectural reviews, design documentation, and engineering best practices. Drive technical strategy for internal platforms and automation initiatives as the bank expands its operational and regulatory capabilities. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) and 8+ years of software engineering experience. Experience designing, building, and operating large-scale production software systems and web applications. Experience leading architecture and technical design for distributed systems, platform services, or internal software platforms. Experience designing relational database schemas, APIs, integrations, authentication systems, and role-based access control frameworks. Experience partnering with cross-functional stakeholders to deliver software solutions supporting operational, compliance, security, or business-critical workflows. Preferred Qualifications Knowledge of TypeScript, Node.js, Next.js, Prisma, or similar modern application frameworks. Experience building security automation, governance, risk and compliance (GRC) platforms, or operational workflow systems. Familiarity with regulated industries such as financial services, banking, healthcare, or other compliance-driven environments. Knowledge of compliance frameworks, including SOC 2, NIST CSF, or similar regulatory standards. Ability to influence technical strategy, drive alignment across teams, and navigate ambiguous problem spaces with sound engineering judgment. Position Location - This role is available in the following locations: Remote Time Zone Requirements - This team operates on the East/West Coast time zones. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $190,600 — $263,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team The Machine Learning Platform team builds the foundational technology that scales machine learning innovation across Upstart. As a Principal Machine Learning Engineer, you will work at the intersection of applied ML and platform engineering—collaborating closely with Research Scientists, Data Scientists, and ML Platform Engineers to design tools and systems that accelerate model development to ultimately improve predictive accuracy. Success in this role requires a strong grasp of ML fundamentals and statistics and deep knowledge of the entire modeling lifecycle - from data preparation to training and deployment to production. In this role, you will lead engineering initiatives that turn high-impact modeling needs into scalable, reusable infrastructure. This includes building a unified embeddings platform for training, serving, and managing representations at scale; streamlining feature engineering pipelines to reduce manual steps and deliver new signals quickly; developing automated continuous-learning systems that handle data refresh, retraining, evaluation, and drift monitoring with minimal manual effort; and scaling our training pipelines to support larger datasets, more complex architectures, and faster experimentation. Across all of these efforts, you will work backward from applied ML projects that meaningfully improve accuracy—using those real-world scenarios to reinvent or improve existing platform capabilities that enable ML teams across Upstart to innovate with greater speed, reliability, and impact. How You’ll Make an Impact Scale ML innovation by building tools, infrastructure, and workflows that dramatically improve the speed and reliability of model development. Work backward from modeling needs to design systems that directly unlock gains in accuracy, efficiency, and scientific productivity. Explore new algorithms and methodologies for our machine learning models and develop tooling to support them Improve the entire ML lifecycle—from data readiness and feature development through training, evaluation, serving, and monitoring. Automate and standardize operational workflows, enabling scientists to focus on high-leverage modeling and analysis rather than manual pipelines. Define the roadmap for our next generation ML Platform, balancing near-term impact with long-term architectural scalability. Collaborate cross-functionally with Data Engineering, ML Platform, Pricing, and other teams to build reliable, end-to-end ML systems. Y our work will multiply the effectiveness of every ML team at Upstart —accelerating innovation and advancing our mission to make credit more accurate, accessible, and fair. This is a high influence role suited for those who enjoy combining science innovation, with cross functional collaboration and advisory. Minimum Qualifications Strong theoretical and practical foundation in machine learning and statistics Ability to reason from first principles about model assumptions, sources of bias, uncertainty, tradeoffs, evaluation, and failure modes A deep understanding of how models work beyond the abstractions provided by common tools and frameworks , and how to apply this knowledge to production solutions 5-7+ years of hands-on experience in applied machine learning, with strong exposure to production-scale modeling efforts. Experience working in high-scale, ML-driven product environments—especially in fintech, pricing, or risk modeling. Proficiency in Python and core ML frameworks (e.g., PyTorch, TensorFlow, Scikit-learn, XGBoost). Ability to work autonomously and lead technical direction in ambiguous, high-impact domains. Experience collaborating with cross-functional teams including ML scientists, engineers, and product partners. Ability to bridge engineering and science teams, and influence technical strategy across disciplines. Numerically-savvy and smart with ability to operate at a fast pace Master’s degree or PhD in a quantitative discipline, or equivalent additional professional experience. Demonstrated expertise in end-to-end model development: data prep, feature engineering, training, evaluation, and deployment. Preferred Qualifications Practical experience optimizing ML workflows using CUDA/GPU acceleration. Background in feature store design, embedding architecture, or synthetic data generation for model training. Proven track record of improving model accuracy in production environments with measurable business outcomes. Familiarity with modern experimentation frameworks, hyperparameter tuning tools, and automated model selection techniques. Position location This role is available in the following locations: Remote-US 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 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 $220,700 — $300,000 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 Machine Learning Growth team develops models that help optimize borrower acquisition across marketing channels. The Direct Mail team focuses on causal machine learning models that predict incremental conversion and help prioritize prospects, and its scope is expanding beyond Personal Loans into Home Equity Line of Credit (HELOC), email marketing, digital, and other marketing use cases. The Role: As an Applied Scientist at Upstart, you will improve existing models and develop new approaches that expand the team’s impact across marketing channels. You will work across business-oriented analysis, machine learning research, experimentation, and production-ready modeling, partnering primarily within Machine Learning and with Growth and Marketing Platform Engineering stakeholders. How you’ll make an impact: Analyze historical model and campaign performance to identify opportunities to improve model effectiveness and marketing outcomes. Develop and evaluate machine learning models, including researching new features and model architectures, to improve prospect selection and support new marketing use cases. Design statistically rigorous experiments and model evaluations to measure causal impact, optimize campaign outcomes, and inform decisions. Navigate complex, messy datasets and build reusable data pipelines, metrics, and analytical approaches that enable efficient model development and analysis. Partner with Machine Learning, Growth, and Marketing Platform Engineering teams to translate business problems into research agendas, intermediate milestones, and production-ready solutions. Expand machine learning capabilities beyond direct mail into lifecycle, email, digital, and other emerging marketing channels. Minimum Qualifications: Master’s Degree in Mathematics, Statistics, Economics, Operations Research or a related field Experience applying statistical and machine learning methods to modeling or data science problems. Experience using Python for data analysis, data preparation, and machine learning model development. Experience with causal inference and experimental design, including statistically rigorous evaluation of model or experiment performance Preferred Qualifications: PhD in Mathematics, Statistics, Economics, Operations Research or a related field (or its equivalent) Knowledge of causal machine learning methods and modeling approaches. Ability to translate broadly scoped business problems into structured research questions, analyses, and modeling approaches. Experience working across exploratory data analysis, machine learning research, experimentation, and production model development and scaling. Ability to interpret complex experimental or modeling results and translate findings into actionable recommendations. Experience applying machine learning to marketing, customer acquisition, lifecycle, or other growth use cases. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $141,500 — $196,000 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $130,900 — $160,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart 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 a Software Engineer on the Upstart Bank team, you will design and build reliable backend software that enables Upstart Bank to launch and scale successfully. Engineers work across a variety of Bank initiatives while partnering closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver scalable software in a regulated environment. This is a rare opportunity to help build one of the first modern AI-enabled national banks. The ideal engineer enjoys solving challenging backend problems, thrives in ambiguous environments, and is excited to help shape both the technology and engineering culture as Upstart Bank grows. How you’ll make an impact Design and build scalable backend systems, services, and APIs supporting Upstart Bank initiatives Deliver well-designed software across medium-sized engineering projects while collaborating with senior engineers Translate business, operational, and regulatory requirements into reliable, maintainable software Improve system reliability, observability, performance, and operational excellence across backend services Contribute to technical design discussions and continuously improve engineering quality Partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership Thrive in ambiguous environments while continuously growing technical ownership and engineering judgment Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) 4+ years of backend or full-stack software engineering experience Experience building and operating production software systems Experience building scalable services, APIs, or web applications Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar Strong engineering fundamentals around software design, testing, debugging, and operational ownership Ability to operate effectively in ambiguous, cross-functional environments Preferred Qualifications Experience working in fintech, financial services, payments, or another regulated industry Experience with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies Experience building reliable backend services, APIs, or platform software Experience modernizing existing systems or building new backend platforms Ability to collaborate effectively across Product, Compliance, Operations, and Engineering teams Curiosity, adaptability, and a desire to continuously learn new technologies and business domains Position location This role is available in the following locations: Remote [ A specific city/location is not required if the role does not have an in-person requirement] Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate --> use for L3, L4 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 $14,200 — $186,800 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 a Software Engineer on the Upstart Bank team, you will design and build reliable backend software that enables Upstart Bank to launch and scale successfully. Engineers work across a variety of Bank initiatives while partnering closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver scalable software in a regulated environment. This is a rare opportunity to help build one of the first modern AI-enabled national banks. The ideal engineer enjoys solving challenging backend problems, thrives in ambiguous environments, and is excited to help shape both the technology and engineering culture as Upstart Bank grows. How you’ll make an impact Design and build scalable backend systems, services, and APIs supporting Upstart Bank initiatives Deliver well-designed software across medium-sized engineering projects while collaborating with senior engineers Translate business, operational, and regulatory requirements into reliable, maintainable software Improve system reliability, observability, performance, and operational excellence across backend services Contribute to technical design discussions and continuously improve engineering quality Partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and Engineering to deliver high-quality software Uphold a high engineering bar through thoughtful implementation, testing, code review, and operational ownership Thrive in ambiguous environments while continuously growing technical ownership and engineering judgment Minimum Qualifications Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) 4+ years of backend or full-stack software engineering experience Experience building and operating production software systems Experience building scalable services, APIs, or web applications Proficiency in at least one modern programming language such as Java, Kotlin, Python, Go, or similar Strong engineering fundamentals around software design, testing, debugging, and operational ownership Ability to operate effectively in ambiguous, cross-functional environments Preferred Qualifications Experience working in fintech, financial services, payments, or another regulated industry Experience with distributed systems, cloud-native architectures, Kafka, gRPC, or similar backend technologies Experience building reliable backend services, APIs, or platform software Experience modernizing existing systems or building new backend platforms Ability to collaborate effectively across Product, Compliance, Operations, and Engineering teams Curiosity, adaptability, and a desire to continuously learn new technologies and business domains Position location This role is available in the following locations: Remote [ A specific city/location is not required if the role does not have an in-person requirement] Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate --> use for L3, L4 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 $14,200 — $186,800 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