Upstart

You would build and operate scalable backend systems for real-time marketplace decisioning, matching, and monetization in collaboration with Product, Machine Learning, and Data Science. | The role requires a technical bachelor's degree, at least two years of software engineering experience, and production experience with scalable backend or distributed systems. | 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 Marketplace Optimization team is part of Capital Marketplace Engineering and is responsible for optimizing Upstart’s two-sided capital marketplace. Across Matching & Offer Selection and Monetization, the team builds the real-time decisioning systems, experimentation capabilities, and marketplace services that help match borrowers with sources of capital while improving marketplace efficiency, investor utilization, and business outcomes. As a Software Engineer II, you will help design and build systems that enable faster experimentation, more sophisticated marketplace decisioning, and new monetization capabilities. You’ll work on business-critical systems where engineering decisions can directly influence revenue, profitability, capital utilization, borrower experience, and the scalability of Upstart’s marketplace. How you’ll make an impact Design, build, and operate scalable backend systems that power real-time marketplace decisioning, matching, offer selection, and monetization. Build flexible platform capabilities that enable experimentation with allocation strategies, marketplace economics, and new monetization approaches while maintaining reliability and scalability. Develop reliable, observable services that balance availability, latency, correctness, and operational simplicity across complex distributed systems. Partner with Product, Machine Learning, Pricing Engineering, Data Science, Capital Markets, and Lending Partnerships to translate marketplace needs into effective technical solutions. Make architectural decisions that simplify systems, reduce coupling across marketplace and adjacent platforms, and create reusable capabilities that support future marketplace innovation. Use Generative AI tools thoughtfully throughout the development lifecycle to accelerate implementation, testing, debugging, documentation, and learning while maintaining ownership of technical decisions, security, code quality, and correctness. Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent) and 2 years of software engineering experience. Experience designing, building, and operating scalable backend or distributed systems in production. Experience developing production services using one or more modern backend programming languages. Experience building and operating business-critical systems with demonstrated use of testing, monitoring, incident response, and root cause analysis. Experience designing production systems where reliability, availability, observability, and correctness are critical. Preferred Qualifications Experience with marketplaces, financial systems, recommendation or matching engines, optimization systems, or experimentation platforms. Knowledge of low-latency, high-throughput distributed system design and architecture. Experience partnering with machine learning or data science teams to integrate models or data-driven decisioning into production systems. Experience with Ruby, Ruby on Rails, Python, or Kotlin. Ability to navigate ambiguous technical and business problems, evaluate tradeoffs, and collaborate across engineering, product, and business teams. Position location This role is available in the following locations: Remote from USA or Canada (except Quebec). 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 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-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 $142,000—$196,600 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 $136,000—$184,000 CAD What you'll love At Upstart, our benefits for full-time employees 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

You would design, build, and operate secure backend systems for login, account management, and authentication while balancing security and user experience. | Requires a technical bachelor's degree, at least four years of software engineering experience, and experience maintaining production backend services and distributed systems. | 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 Identity team builds the systems that help borrowers and lending partners securely access and manage their accounts across Upstart products. The team works at the intersection of product and security, reducing friction in the customer experience while protecting identity and customer data. As a Senior Software Engineer on the Identity team, you will build secure, reliable backend systems that power login, account management, authentication, and authorization experiences. You’ll own meaningful projects from design through delivery, partner across Product, Information Security, and Application Security, and help evolve how Upstart builds secure customer experiences at scale. This role is primarily backend focused; frontend experience is helpful but not required. How you'll make an impact: Design, build, and operate backend systems that power secure login, account management, authentication, and authorization experiences across Upstart products. Own engineering projects from problem definition and technical design through implementation, testing, deployment, and ongoing improvement. Balance security requirements with customer experience, making thoughtful technical decisions that protect customer data while reducing unnecessary friction. Partner with Product, Information Security, Application Security, and engineering teams across Upstart to deliver secure capabilities and influence product direction. Identify opportunities to improve the reliability, maintainability, and security of interconnected systems and help establish effective engineering practices across the Identity domain. Use AI-assisted development tools such as Cursor and Claude Code to accelerate learning and delivery while applying engineering judgment and validating the resulting work. Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, plus 4 years of software engineering experience. Experience designing, building, testing, and maintaining production backend software or services. Experience owning software engineering projects through multiple stages of the development lifecycle, from technical design through production delivery. Experience designing or integrating APIs, services, or other components within distributed or interconnected production systems. Experience applying software engineering practices including code review, automated testing, debugging, and production support. Preferred Qualifications Knowledge of identity and access management concepts and standards such as OAuth 2.0, OpenID Connect, or SAML. Experience working in a medium-to-large engineering organization or with systems spanning multiple engineering teams. Experience contributing to frontend development in addition to backend systems. Experience using AI-assisted development tools such as Cursor, Claude Code, or similar tools in software engineering workflows. Ability to learn unfamiliar technical domains, communicate technical decisions and outcomes clearly, and develop deep expertise over time. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior --> use for L5, L6 At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900—$242,400 USD What you'll love At Upstart, our benefits for full-time employees 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

Lead a five-person quality control team and develop a risk-based review program, overseeing reviews, findings, remediation tracking, and quality reporting. | Requires six or more years in consumer lending operations, quality control, compliance testing, or operational risk, including management of a related team and experience designing reviews and managing remediation. | 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 Lending Operations Quality Control team plays a critical role in protecting customers, strengthening operational processes, and supporting regulatory compliance across our lending lifecycle. As a first-line-of-defense function, the team evaluates frontline activities across Onboarding, Servicing, Complaints, and Collections to identify risks, improve quality, and support bank readiness. As the Senior Operations Manager, Quality Control at Upstart, you will lead a team of five quality control professionals and help build and execute a scalable, risk-based quality control program. You’ll combine hands-on program development with people leadership, partnering across Operations, Compliance, and Risk to strengthen testing methodologies, address control gaps, and explore opportunities to improve oversight through automation and AI. How you’ll make an impact Lead, coach, and develop a team of quality control professionals, establishing clear performance expectations, consistent calibration practices, and effective testing execution. Build and enhance the quality control program, including risk-based testing plans, standardized review criteria, statistically sound sampling methodologies, and documentation that supports regulatory and audit readiness. Oversee frontline quality reviews, including call monitoring, agent interactions, and adherence to operational procedures, to identify regulatory risks, process defects, and potential customer impact. Partner with operational leaders, Compliance, and Risk to communicate findings, identify root causes, recommend process improvements, and monitor remediation through resolution. Establish reporting and performance metrics that highlight quality trends, emerging risks, and opportunities to improve operational effectiveness and customer outcomes. Collaborate with cross-functional partners to evaluate AI-enabled testing and automation capabilities, improving review coverage and efficiency while maintaining appropriate human oversight and controls. Minimum Qualifications 6+ years of experience in consumer lending operations, quality control, compliance testing, or operational risk within a regulated financial services environment. Experience directly managing quality control, quality assurance, or compliance testing teams within a regulated environment. Experience developing, implementing, or managing frontline operational quality control programs, including call monitoring, agent interaction reviews, or evaluations of agent adherence to established procedures. Experience designing or executing sampling methodologies, standardized testing criteria, and documented quality assessments. Experience managing quality findings, root-cause analysis, corrective action tracking, or remediation monitoring within a regulated environment. Preferred Qualifications Knowledge of consumer financial protection regulations, including UDAAP, TILA, ECOA, FCRA, FDCPA, and GLBA, and their application to lending operations. Experience evaluating or implementing AI-enabled quality assurance tools, speech analytics, or automated compliance monitoring solutions. Experience supporting bank partner oversight, regulatory examinations, or internal and external audits. Ability to collaborate across Operations, Compliance, Risk, and technical teams to translate quality findings into sustainable process improvements. Experience working in a fintech or evolving financial services environment, with the ability to balance regulatory expectations, operational efficiency, and continuous improvement. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East 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-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 $104,800—$145,000 USD What you'll love At Upstart, our benefits for full-time employees 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

Design and build scalable pricing systems for lending decisions, partnering with data science and product teams to turn business needs into durable software. | Requires a technical bachelor’s degree, at least four years of software engineering experience, Python, Java or Kotlin, and experience building scalable distributed systems in cloud environments. | 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 Senior Software Engineer on Core Pricing, you will design and build scalable, reliable systems that power pricing decisions across Upstart’s products. In close partnership with engineering, data science, product, and business teams, you will own meaningful technical projects, improve the architecture and reliability of our pricing services, and help translate complex modeling and business requirements into durable software capabilities. How you’ll make an impact Design, build, and evolve high-performance, real-time pricing systems that support critical lending decisions across Upstart products. Own complex engineering projects from technical design through delivery, balancing scalability, reliability, correctness, and speed of iteration. Partner with data scientists, product managers, and business stakeholders to translate modeling and business requirements into reliable software solutions. Identify and implement architectural improvements that increase the flexibility, maintainability, observability, and resilience of pricing services. Contribute to technical standards for system design, testing, monitoring, and operational excellence within the Core Pricing team. Support other engineers through design reviews, technical guidance, and knowledge sharing while contributing to sound technical decisions across the team. Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or its equivalent, plus 4 years of software engineering experience. Experience writing production software in Python and working with Java, Kotlin, or another strongly typed programming language. Experience designing, building, and operating scalable APIs, distributed systems, or microservices in a cloud environment such as AWS or GCP. Experience owning the technical design and delivery of complex software projects from development through production. Experience building production systems with requirements related to scalability, latency, reliability, or correctness. Preferred Qualifications Knowledge of fintech, financial systems, financial mathematics, statistics, machine learning platforms, or decisioning systems. Experience working on business-critical systems that affect revenue, profitability, risk, or core product outcomes. Experience with distributed systems, cloud-native architecture, platform engineering, continuous integration and deployment, or infrastructure as code. Experience partnering with data science and product teams to productionize models, decisioning logic, or experimentation capabilities. Ability to work effectively across engineering and non-engineering teams on technically complex initiatives. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900—$230,900 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $153,000—$190,000 CAD What you'll love At Upstart, our benefits for full-time employees 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

Lead complex backend and full-stack initiatives, set technical direction for service architecture and APIs, and mentor engineers while delivering scalable lending systems. | Requires at least six years of software engineering experience, deep backend proficiency in Python, Java, or Go, distributed-systems and production-delivery experience, and a bachelor's degree or equivalent. | About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Unsecured Installments is one of Upstart's core lending products, helping borrowers access credit through a seamless, digitally native experience. The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and borrower experience, while working closely with the broader lending platform that powers Upstart at scale. Recent work has focused on improving borrower flows, repricing and rate flexibility, partnership experiences, and the overall quality of the customer-facing experience. As a Senior Software Engineer on the Unsecured Installments team, you'll be a technical leader for the frontend and full-stack experiences that borrowers interact with directly. Working primarily in React and TypeScript, you'll own the delivery of large, multi-month projects, shape the architecture of the team's mobile-web and full-stack surfaces, and set a high bar for quality across the borrower experience. You'll partner closely with product, design, and backend engineers to turn ambiguous problems into durable, well-architected solutions, and you'll mentor other engineers along the way. How you’ll make an impact Own the design and delivery of large, complex backend and full-stack initiatives, from planning and sequencing through launch and long-term maintenance. Set technical direction for the team's service architecture, APIs, data models, and system integrations, owning a 3–6 month roadmap and proactively addressing systemic gaps that threaten reliability or team effectiveness. Partner closely with product, frontend, design, platform, and other backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality systems. Raise the bar for engineering excellence through thoughtful service and API design, data integrity, testing, observability, security, and operational rigor across business-critical lending workflows. Lead through ambiguity by breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs involving scope, scalability, performance, reliability, and customer experience. Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team. Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 6+ years of professional software engineering experience. Deep proficiency designing and building backend services and APIs in a language such as Python, Java, Kotlin, Go, Ruby, or Node.js. Strong experience with service architecture, API design, data modeling, relational or non-relational databases, and distributed systems. Track record of independently leading the design and delivery of large, business-critical backend or full-stack projects in production. Experience building reliable production systems, including testing, monitoring, incident response, performance optimization, and long-term operational ownership. Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time. Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product and engineering partners. Preferred Qualifications Experience serving as the backend or full-stack technical lead for a product team or business-critical system. Experience building consumer-facing products or high-volume transactional systems with strong requirements around reliability, scalability, correctness, and security. Background in fintech, lending, payments, or other regulated financial products involving complex workflows and high quality expectations. Experience with distributed systems, asynchronous processing, event-driven architectures, or service-oriented architectures. Familiarity with cloud infrastructure, relational and non-relational data stores, messaging systems, and CI/CD workflows. Experience with experimentation, feature flagging, or platform capabilities that support iterative product improvements in production. Hands-on experience leveraging generative AI in product features or internal engineering workflows. Passion for building products that expand access to credit and improve financial outcomes for consumers. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900—$230,900 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote - Anticipated Base Salary Range $153,000—$218,500 CAD What you'll love At Upstart, our benefits for full-time employees 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

Design and maintain secure backend systems for authentication and authorization while collaborating with teams to balance security and user experience. | Bachelor's degree and 4+ years of software engineering experience with production backend services and full lifecycle management. | 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 Identity team builds the systems that help borrowers and lending partners securely access and manage their accounts across Upstart products. The team works at the intersection of product and security, reducing friction in the customer experience while protecting identity and customer data. As a Senior Software Engineer on the Identity team, you will build secure, reliable backend systems that power login, account management, authentication, and authorization experiences. You’ll own meaningful projects from design through delivery, partner across Product, Information Security, and Application Security, and help evolve how Upstart builds secure customer experiences at scale. This role is primarily backend focused; frontend experience is helpful but not required. How you'll make an impact: Design, build, and operate backend systems that power secure login, account management, authentication, and authorization experiences across Upstart products. Own engineering projects from problem definition and technical design through implementation, testing, deployment, and ongoing improvement. Balance security requirements with customer experience, making thoughtful technical decisions that protect customer data while reducing unnecessary friction. Partner with Product, Information Security, Application Security, and engineering teams across Upstart to deliver secure capabilities and influence product direction. Identify opportunities to improve the reliability, maintainability, and security of interconnected systems and help establish effective engineering practices across the Identity domain. Use AI-assisted development tools such as Cursor and Claude Code to accelerate learning and delivery while applying engineering judgment and validating the resulting work. Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, plus 4 years of software engineering experience. Experience designing, building, testing, and maintaining production backend software or services. Experience owning software engineering projects through multiple stages of the development lifecycle, from technical design through production delivery. Experience designing or integrating APIs, services, or other components within distributed or interconnected production systems. Experience applying software engineering practices including code review, automated testing, debugging, and production support. Preferred Qualifications Knowledge of identity and access management concepts and standards such as OAuth 2.0, OpenID Connect, or SAML. Experience working in a medium-to-large engineering organization or with systems spanning multiple engineering teams. Experience contributing to frontend development in addition to backend systems. Experience using AI-assisted development tools such as Cursor, Claude Code, or similar tools in software engineering workflows. Ability to learn unfamiliar technical domains, communicate technical decisions and outcomes clearly, and develop deep expertise over time. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior --> use for L5, L6 At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900—$242,400 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

Build and operate systems to improve reliability, resiliency, and observability of production environments. | 3+ years software engineering experience, strong programming skills, experience with cloud infrastructure and production operations, and use of AI-assisted development tools. | 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 Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact • Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems • Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on • Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals • Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures • Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation • Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications • 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline • Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript • Experience designing, building, testing, and operating production software, internal tooling, or infrastructure • Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations • Experience participating in on call or incident response for production systems • Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams • Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications • Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments • Experience building internal reliability, observability, incident management, or operational automation tools • Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies • Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness • Experience operating distributed applications with complex dependencies and high availability requirements • Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 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

Build and operate systems to improve reliability, resiliency, and observability of production environments including automation and incident response. | 3+ years in software or site reliability engineering with proficiency in Python or Go, cloud infrastructure, distributed systems, and AI-assisted development tools. | 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 (opening Summer 2026), 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 Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript Experience designing, building, testing, and operating production software, internal tooling, or infrastructure Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations Experience participating in on call or incident response for production systems Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments Experience building internal reliability, observability, incident management, or operational automation tools Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness Experience operating distributed applications with complex dependencies and high availability requirements Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 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

Lead technical vision and architecture for pricing platform systems across multiple teams. | Requires 8+ years software engineering with deep backend experience in Python, Kotlin, or Java and leadership of complex distributed systems. | 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

Build and operate systems to improve reliability, resiliency, and observability of production environments. | 3+ years software engineering experience, strong programming skills, cloud infrastructure and production operations experience, and AI-assisted development tool usage. | 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 Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact • Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems • Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on • Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals • Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures • Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation • Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications • 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline • Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript • Experience designing, building, testing, and operating production software, internal tooling, or infrastructure • Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations • Experience participating in on call or incident response for production systems • Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams • Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications • Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments • Experience building internal reliability, observability, incident management, or operational automation tools • Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies • Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness • Experience operating distributed applications with complex dependencies and high availability requirements • Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 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

Build and operate systems to improve reliability, resiliency, and observability of production environments. | 3+ years software engineering experience, strong programming skills, experience with cloud infrastructure, observability, incident response, and AI-assisted development. | 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 Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact • Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems • Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on • Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals • Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures • Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation • Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications • 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline • Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript • Experience designing, building, testing, and operating production software, internal tooling, or infrastructure • Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations • Experience participating in on call or incident response for production systems • Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams • Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications • Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments • Experience building internal reliability, observability, incident management, or operational automation tools • Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies • Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness • Experience operating distributed applications with complex dependencies and high availability requirements • Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 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

Lead technical vision and architecture for scalable pricing platform services across multiple products. | Requires 8+ years backend engineering experience with Python, Kotlin, or Java, strong architecture leadership, and cross-team collaboration. | 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

Lead technical vision and architecture for pricing platform systems across multiple teams. | Requires 8+ years backend engineering experience with Python/Kotlin/Java and leadership in complex distributed systems. | 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

Build and operate systems to improve reliability, resiliency, and observability of production environments. | 3+ years software engineering experience, strong programming skills, experience with cloud infrastructure, observability, incident response, and AI-assisted development. | 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 Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact • Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems • Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on • Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals • Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures • Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation • Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications • 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline • Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript • Experience designing, building, testing, and operating production software, internal tooling, or infrastructure • Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations • Experience participating in on call or incident response for production systems • Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams • Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications • Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments • Experience building internal reliability, observability, incident management, or operational automation tools • Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies • Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness • Experience operating distributed applications with complex dependencies and high availability requirements • Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 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

Lead technical vision and architecture for pricing platform systems across multiple teams and products. | Requires 8+ years backend engineering experience with Python, Kotlin, or Java, strong leadership in complex distributed systems, and cross-team collaboration. | 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

Build and operate systems to improve reliability, resiliency, and observability of production environments. | 3+ years software engineering experience, strong programming skills, production software operation, cloud infrastructure, incident response, and AI-assisted development tool usage. | 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 Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact • Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems • Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on • Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals • Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures • Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation • Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications • 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline • Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript • Experience designing, building, testing, and operating production software, internal tooling, or infrastructure • Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations • Experience participating in on call or incident response for production systems • Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams • Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications • Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments • Experience building internal reliability, observability, incident management, or operational automation tools • Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies • Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness • Experience operating distributed applications with complex dependencies and high availability requirements • Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 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

Build and operate systems to improve reliability, resiliency, and observability of production environments. | 3+ years software engineering experience, strong programming skills, experience with cloud infrastructure, observability, incident response, and AI-assisted development tools. | 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 Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact • Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems • Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on • Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals • Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures • Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation • Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications • 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline • Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript • Experience designing, building, testing, and operating production software, internal tooling, or infrastructure • Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations • Experience participating in on call or incident response for production systems • Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams • Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications • Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments • Experience building internal reliability, observability, incident management, or operational automation tools • Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies • Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness • Experience operating distributed applications with complex dependencies and high availability requirements • Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 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

Lead technical vision and architecture for pricing platform systems across multiple teams and products. | Requires 8+ years software engineering with deep backend experience in Python, Kotlin, or Java, leadership in complex distributed systems, and cross-team influence. | 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

Build and operate privacy engineering services embedding privacy controls into products and systems. | 3+ years software engineering experience with backend services and privacy or security domain knowledge. | 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 Privacy Engineering team builds the systems, tools, and technical controls that help protect borrower, applicant, partner, and Upstarter data across our products and platforms. The team works across Engineering, Security, Legal, Compliance, Product, Data, and Machine Learning to make privacy-by-design practical and scalable. As a Privacy Engineer II at Upstart, you will build software and services that embed privacy controls into the core architecture of Upstart's products and technical systems. You will help implement privacy-enhancing technologies, data minimization patterns, and governance tooling that support responsible data use across Upstart's AI lending marketplace. How you'll make an impact • Design, build, and operate privacy engineering services that support user control, data governance, anonymization, pseudonymization, retention, deletion, and auditability • Implement privacy-by-design patterns and data minimization controls across Upstart's products, services, data pipelines, and machine learning systems • Build APIs, libraries, services, and developer tools that help engineering teams standardize privacy enforcement across the technology stack • Partner with Security, Legal, Compliance, Product, Data, Machine Learning, and Infrastructure teams to translate privacy requirements into clear technical specifications • Support privacy reviews, data flow assessments, and technical risk assessments for new products, data uses, and platform capabilities • Improve the reliability, observability, and maintainability of privacy systems through testing, monitoring, documentation, and thoughtful technical design Minimum Qualifications • Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 3+ years of experience in software engineering • Experience building and operating production software systems using programming languages such as Python, Go, Java, Scala, C++, Rust, or similar languages • Experience building APIs, microservices, libraries, or backend services that support data governance, privacy controls, security controls, or data platform capabilities • Experience with at least two privacy or security domains such as anonymization, pseudonymization, data retention, deletion, data lineage, access control, encryption, audit logging, or data minimization • Experience translating privacy, security, compliance, or data protection requirements into software systems or technical workflows Preferred Qualifications • Knowledge of privacy-by-design principles, privacy-enhancing technologies, purpose limitation, consent, retention, deletion, and data subject rights • Experience with data governance systems, data catalogs, lineage tooling, personally identifiable information detection, redaction, or automated policy enforcement • Experience supporting privacy reviews, threat modeling, data flow mapping, or technical risk assessments for production systems • Experience working with machine learning systems, financial services, lending, or another regulated data environment • Ability to communicate privacy engineering tradeoffs clearly across technical, legal, compliance, product, and business audiences 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 $164,800-$228,400 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here's what you can expect: • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. • Health Savings Account contributions from Upstart for eligible plans (US only) • Income protection benefits, including life insurance and disability coverage for added financial security • Paid time off, sick leave, and company holidays, in line with local requirements • Paid family and parental leave to support caregiving and major life moments (duration varies by country) • Family-centered benefits to support fertility, parenthood, and caregiving needs • Employee Assistance Program (EAP) offering mental health support and life-centered resources • Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) • Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you • Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from • Connection and community through team events, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Design and build privacy engineering services embedding privacy controls into products and systems. | Requires 3+ years software engineering experience with backend languages and privacy/security domain knowledge. | 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 Privacy Engineering team builds the systems, tools, and technical controls that help protect borrower, applicant, partner, and Upstarter data across our products and platforms. The team works across Engineering, Security, Legal, Compliance, Product, Data, and Machine Learning to make privacy-by-design practical and scalable. As a Privacy Engineer II at Upstart, you will build software and services that embed privacy controls into the core architecture of Upstart's products and technical systems. You will help implement privacy-enhancing technologies, data minimization patterns, and governance tooling that support responsible data use across Upstart's AI lending marketplace. How you'll make an impact • Design, build, and operate privacy engineering services that support user control, data governance, anonymization, pseudonymization, retention, deletion, and auditability • Implement privacy-by-design patterns and data minimization controls across Upstart's products, services, data pipelines, and machine learning systems • Build APIs, libraries, services, and developer tools that help engineering teams standardize privacy enforcement across the technology stack • Partner with Security, Legal, Compliance, Product, Data, Machine Learning, and Infrastructure teams to translate privacy requirements into clear technical specifications • Support privacy reviews, data flow assessments, and technical risk assessments for new products, data uses, and platform capabilities • Improve the reliability, observability, and maintainability of privacy systems through testing, monitoring, documentation, and thoughtful technical design Minimum Qualifications • Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 3+ years of experience in software engineering • Experience building and operating production software systems using programming languages such as Python, Go, Java, Scala, C++, Rust, or similar languages • Experience building APIs, microservices, libraries, or backend services that support data governance, privacy controls, security controls, or data platform capabilities • Experience with at least two privacy or security domains such as anonymization, pseudonymization, data retention, deletion, data lineage, access control, encryption, audit logging, or data minimization • Experience translating privacy, security, compliance, or data protection requirements into software systems or technical workflows Preferred Qualifications • Knowledge of privacy-by-design principles, privacy-enhancing technologies, purpose limitation, consent, retention, deletion, and data subject rights • Experience with data governance systems, data catalogs, lineage tooling, personally identifiable information detection, redaction, or automated policy enforcement • Experience supporting privacy reviews, threat modeling, data flow mapping, or technical risk assessments for production systems • Experience working with machine learning systems, financial services, lending, or another regulated data environment • Ability to communicate privacy engineering tradeoffs clearly across technical, legal, compliance, product, and business audiences 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 $164,800-$228,400 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here's what you can expect: • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. • Health Savings Account contributions from Upstart for eligible plans (US only) • Income protection benefits, including life insurance and disability coverage for added financial security • Paid time off, sick leave, and company holidays, in line with local requirements • Paid family and parental leave to support caregiving and major life moments (duration varies by country) • Family-centered benefits to support fertility, parenthood, and caregiving needs • Employee Assistance Program (EAP) offering mental health support and life-centered resources • Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) • Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you • Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from • Connection and community through team events, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy