Upstart

Own and execute Governance, Risk, and Compliance programs to support regulatory requirements and embed security practices. | Minimum 5 years in information security or GRC with knowledge of SOC 2 and NIST CSF frameworks. | 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 1,800 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 Information Security Governance, Risk, and Compliance (GRC) team is passionate about building clear, scalable approaches to security governance, risk management, and regulatory compliance. We believe effective security governance should enable innovation, move at the speed of the business, and support informed, risk-based decision-making. Our team’s mission is to protect customer trust and meet regulatory and contractual commitments by defining, assessing, and maintaining strong security controls across our product platforms and enterprise. We achieve this through thoughtful automation, close collaboration with engineering and business partners, and a focus on delivering a low-friction, positive experience for Upstarters. As an Information Security Program Manager within GRC, you will own and execute defined GRC programs that help protect customer trust, support regulatory requirements, and enable secure business growth. You will work closely with technical, operational, and business partners to assess risk, support compliance initiatives, and help embed security practices into day-to-day operations. How you’ll make an impact Enable teams to move faster and more securely by acting as a trusted GRC partner, translating audit, risk, and compliance requirements into practical guidance. Ensure audit readiness and successful outcomes by coordinating core assurance activities, including SOX IT and SOC 2, across engineering, IT, and business teams. Protect customer and partner trust by managing security due diligence requests from prospective and existing business partners, delivering clear and timely responses. Strengthen security governance by owning policy management, including drafting, maintaining, reviewing, and driving awareness of information security policies and standards. Reduce third-party risk by supporting and executing the information security third-party risk management program, including vendor assessments, risk tracking, and remediation follow-up. Improve the efficiency and consistency of GRC operations through process improvement and thoughtful use of automation and tooling. Minimum Qualifications 5+ years of experience in information security, GRC, or IT/Information Security audit. Demonstrated experience operating GRC programs (supporting audits, risk assessments, control testing activities, policy management, 3rd party security risk) in a regulated technology or financial services environment. Working knowledge and ability to apply common security and compliance frameworks (SOC 2, NIST CSF 2.0, NIST SSDF, NYDFS, etc.). Strong written and verbal communication skills with both technical and non-technical audiences. Ability to design metrics, KRIs, and reporting for diverse stakeholders. Preferred Qualifications Experience in cloud-native environments (AWS preferred). Experience using GRC automation tools. Relevant certifications (CISSP, CISA, CRISC, CISM). Scripting or light coding skills to automate workflows and system integrations is a plus. Familiarity with privacy and data protection requirements (e.g., GDPR, CCPA). Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time zone requirements The team operates on the East Coast/Central/Mountain/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 expected 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 $115,800—$160,100 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 Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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 and execute brand media strategies, manage large budgets, and develop strategic sponsorships to enhance brand impact. | Over 10 years in brand media or marketing, experience managing large media budgets, and proven success in strategic partnerships. | 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 1,800 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 Growth Marketing team drives scalable, data-driven customer acquisition across our lending products. We design, execute, and optimize media strategies that connect consumers to credit at the moments that matter most. This year, Upstart will begin to make investments in bringing our brand story to life, and with it, make Upstart a true power-house brand in fintech. We’re seeking a new Head of Brand Media to lead that charge. As Director of Brand Media & Sponsorships at Upstart, you will own the strategy, execution, and measurement of our brand media investments and external sponsorships. This role is net-new and responsible for driving incremental growth and brand impact through TV and streaming media, strategic sponsorships, and integrated brand activations. We’re looking for someone who is up to the challenge of making Upstart a memorable and household name, while also bringing some fun and analytical rigor to the mix. You will lead how Upstart shows up in high-reach environments by owning media buying strategy, partner relationships, and cross-functional collaboration with Analytics, Creative, and Product Marketing to ensure our brand investments are measurable, scalable, and effective. This is a senior, highly visible role with end-to-end ownership across planning, buying, partnerships, and performance evaluation. As a net-new role, you’ll be responsible for leading our initial brand investment strategy and scaling the budgets, team and strategy from zero to one. How you’ll make an impact Own Upstart’s branded media and sponsorship strategy from annual planning through in-market optimization. Lead TV and top-of-funnel media buying, including partner selection, negotiation, budgeting, flighting, and performance evaluation. Develop and manage strategic brand partnerships, sponsorships, and integrations that extend Upstart’s reach and reinforce brand credibility. Develop and execute branded activations in partnership with digital, creative, and external partners, ensuring alignment with brand and business goals. Partner closely with Analytics to define measurement frameworks for brand media, including incrementally testing, lift studies, MMM inputs, and attribution approaches. Collaborate with Creative and Product Marketing to translate brand strategy into effective media executions and partner activations. Scale significant annual brand media budgets, balancing reach, frequency, and efficiency while adapting to performance signals and market conditions. Establish best practices for brand media planning, buying, and measurement as Upstart continues to scale upper-funnel investment. Minimum Qualifications 10+ years of experience in brand media, partnerships, or integrated marketing, with meaningful ownership of TV and/or large brand partnerships. Proven experience managing large-scale media budgets and leading negotiations with media buyers, networks, or platforms. Strong analytical skills, with the ability to interpret performance data, design experiments, and make data-driven decisions in ambiguous environments. Track record of developing and executing sponsorships or strategic partnerships that deliver measurable brand or business impact. Experience operating in a highly cross-functional environment, partnering with creative, finance, analytics, and senior stakeholders. Ability to thrive in a fast-paced, high-growth environment where adaptability and problem-solving are key Preferred Qualifications Experience operating in highly regulated or longer consideration cycle vertical (e.g., financial services, fintech, lending, insurance, marketplaces). Experience scaling brand investment from early experimentation into a more mature, repeatable media program. Familiarity with marketing mix modeling, brand lift studies, or advanced media measurement methodologies. Experience managing agencies across media planning, buying, and partnerships. Position location This role is available in the following locations: Remote, with a preference to be based in NYC area Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,800—$271,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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 frontend systems for a new consumer credit product, collaborating with cross-functional teams and applying AI tools. | Requires 4+ years of experience in frontend/backend systems, distributed architectures, and proficiency in object-oriented languages, which do not match your current profile. | 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 1,800 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 We’re a small, senior engineering team building a new product within Upstart, focused on helping consumers access responsible and affordable credit. We operate with a startup mindset—lean, fast, and deeply focused on impact. With a greenfield codebase and a high degree of autonomy, we’re shaping both the product and the way modern engineering teams work in an AI-native environment. How you’ll make an impact: Design and build the frontend systems that power a brand-new consumer credit experience. Develop scalable, distributed services using event-driven architectures to ensure reliability, observability, and long-term maintainability. Collaborate closely with design and product to translate intent into features that serve millions of consumers. Drive technical decisions in a zero-to-one product environment, balancing speed with high-quality execution. Apply AI-native workflows to accelerate development, testing, analysis, and documentation. Help define engineering best practices and culture within a fast-moving and outcome-driven team. What we’re looking for: Minimum requirements: 4+ years of experience building frontend and backend systems in production, ideally for consumer-facing applications. Strong technical background in distributed systems and event-driven architecture (Kafka, SQS, Kinesis, or similar). Proficiency in object-oriented programming languages (e.g., Java, Kotlin, C#, Python, Ruby) and familiarity with relational databases, APIs, and caching. Demonstrated ability to work autonomously and thrive in ambiguous, early-stage product environments. Deep product sense with a strong focus on end-user experience and outcomes. Familiarity with observability and reliability concepts (metrics, logs, traces, SLOs). Actively uses AI tools in engineering workflows, with strong opinions about the future of AI in software development. Excellent written and verbal communication skills. Preferred qualifications: Experience at consumer-focused (B2C) fintech or technology companies with millions of users. Background in backend systems related to payments, credit, or high-scale user workflows. Experience building zero-to-one products and contributing to product direction in small teams. Exposure to schema evolution and safe data migrations in distributed environments (e.g., Protobuf, Avro). Entrepreneurial mindset—comfortable in dynamic environments, with a bias toward action and ownership. Track record of scrappy, high-quality execution and an interest in building software that serves underserved populations. Strong AI instincts—interest or experience building agentic systems or applying LLMs to development and testing. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$226,400 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 Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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

Support and optimize partner onboarding, reporting, and operational workflows while collaborating cross-functionally to ensure efficiency and compliance. | Over 4 years of experience in operations or program management, proficiency with spreadsheet tools, managing multiple projects, and owning processes end-to-end. | 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 1,800 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 Growth Partnerships team creates, manages, and expands a diverse and growing set of partnerships that help Upstart acquire, retain, and better serve our customers. We work with mission-aligned companies to expand Upstart’s reach and impact - companies whose customers can benefit from effortless credit, or whose products add value for our own customers. As one of Upstart’s primary engines of customer acquisition, the partnerships we create and grow are central to Upstart’s success. As the Partner Operations Associate at Upstart, you will play a critical role in ensuring our partner program operates smoothly and efficiently. You will own the operational backbone of Growth Partnerships—supporting partner onboarding, reporting, invoicing, and day-to-day partner needs—while collaborating closely with Account Managers and cross-functional teams (e.g. product, engineering, legal, and marketing). This is a new individual contributor role with high ownership, significant visibility, and meaningful opportunities for growth as the partner program scales. How you’ll make an impact Own partner operations workflows, ensuring consistent, efficient execution across onboarding, reporting, payments, and ongoing partner support Partner closely with Account Management to support partner health, retention, and expansion through operational excellence Coordinate cross-functionally with Product, Engineering, Marketing, Creative, and Legal to resolve technical issues, launch initiatives, and support partner needs Maintain accurate partner documentation, processes, and operational playbooks to support scale and consistency Identify opportunities to improve operational efficiency through process optimization, automation, and tooling Execute end of month book reporting process to ensure accurate and timely payments to partners based on contractual agreements Work with Upstart Legal and Compliance to ensure our partners are representing Upstart’s products in an accurate and compliant way Minimum Qualifications 4+ years of experience in operations, partner operations, program management, or a related role Advanced proficiency with spreadsheet tools (e.g., Excel or Google Sheets), including data organization, analysis, and reporting Experience managing multiple workflows or projects simultaneously in a fast-paced environment Demonstrated ability to own processes end-to-end with a high degree of accountability Experience managing recurring reporting, reconciliation, or close processes tied to financial or performance outcomes Preferred Qualifications Experience supporting partner, vendor, or customer-facing programs in a technology or financial services environment Proficiency with business intelligence tools such as Looker or Mode Experience using generative AI tools to improve operational efficiency or automate workflows Comfort working with multiple data sources and internal dashboards to validate and reconcile results SQL experience or ability to write basic queries for data validation and analysis Experience supporting compliance audits or regulatory documentation processes 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 $109,700—$151,800 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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

Oversee daily operations, develop strategies, monitor KPIs, collaborate across departments, and report performance metrics. | Minimum 2+ years of people management, strong communication, analytical skills, with preferred experience in collections or servicing. | 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 1,800 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 Loan Processing team is seeking a highly skilled and motivated Operations Manager to help lead our Personal Loans Team. The Operations Manager will be responsible for overseeing the day-to-day operations of the Personal Loan department, managing team production and outcomes, and providing leadership and guidance to a team of associates and Associate Operations Managers. The ideal candidate will have a strong background in people management, operations, and a proven track record of driving results in a fast paced environment. As the Operations Manager, Loan Processing at Upstart, you will be responsible for ensuring the Personal Loans team is meeting all target KPIs, such as productivity, turnaround times and touch rates, schedule adherence, and quality. The Operations Manager will work closely with other key leaders across Upstart to help guide and implement strategies for the department. Additionally, the Operations Manager will be responsible for providing leadership, coaching, and mentorship to associates and associate managers. How you’ll make an impact • Manage and oversee the daily operations of the Personal Loans team, ensuring efficient and effective workflows and processes. • Help develop and implement strategies to optimize team performance and achieve department goals and targets. • Monitor team performance metrics and KPIs, identify areas for improvement, and implement corrective actions as needed. • Collaborate with other departments, including Product and Engineering, Learning and Development, and Quality assurance to ensure seamless operations and adherence to company policies and procedures. • Prepare and present reports and updates on team performance, including key metrics, trends, and areas of improvement to senior management. • Work closely alongside the Head of Personal Loans, Workforce Management and Finance to ensure staffing conditions are being optimized. Minimum Qualifications • 2+ years of people management experience demonstrating strong leadership and interpersonal skills, with the ability to motivate and inspire others to achieve their full potential. • Excellent communication skills, both written and verbal with the ability to effectively communicate with team members and senior management. • Strong analytical and problem solving skills with the ability to identify issues and develop thoughtful data driven solutions. Preferred Qualifications • 3+ years of people leadership experience in an operations environment. • 2+ years of collections and/or servicing experience. Position location This role is available in the following locations: Columbus, Ohio Time zone requirements The team operates on the East coast time zones. In-Office requirements. You will be required to work from the Columbus office 2 days per week. #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 $75,900—$105,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose • Health Savings Account contributions from Upstart for eligible plans • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage • Paid time off, sick and safe time, and company holidays • Paid family and parental leave to support caregiving and major life moments • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving • 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 • 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 and onsites, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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 and manage a team of engineers to develop and maintain high-reliability, low-latency pricing systems in a fintech environment. | Extensive experience in software engineering, backend and distributed systems, with leadership in complex, regulated environments; domain experience in fintech or pricing systems preferred. | 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 1,800 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 The Core Pricing team is at the heart of Upstart’s financial infrastructure. Nearly every borrower experience, product workflow, and partner integration relies on the systems this team builds and maintains. Core Pricing owns critical backend services that price loans across products and partners, integrate with underwriting models and downstream platforms, and operate under strict requirements for latency, correctness, and reliability. These services sit directly on the revenue path and function within a regulated environment, serving both internal and external stakeholders. The team supports a mix of legacy infrastructure and greenfield development as we continue evolving our pricing architecture. How You’ll Make an Impact Lead, coach, and grow a team of backend engineers and an engineering manager, fostering a culture of accountability and ownership. Own team execution and delivery across multiple quarters, ensuring Core Pricing systems meet high standards for uptime, accuracy, and responsiveness. Guide technical strategy across legacy and next-generation pricing systems, balancing short-term execution with long-term architectural goals. Ensure changes to pricing systems are production-safe, observable, and rigorously validated, maintaining SLAs and leading incident response when needed. Collaborate cross-functionally with Product, Risk, Servicing, Analytics, and external partners to deliver complex, multi-team initiatives. Use key metrics—including reliability, latency, and partner escalations—to align engineering priorities with borrower impact and business objectives. Minimum Qualifications 10–15 years of software engineering experience, including 4–7 years managing high-performing engineering teams. Demonstrated ownership of systems with strict reliability, latency, and correctness constraints. Domain experience in pricing, fintech, lending, payments, marketplaces, or real-time decisioning systems. Strong system design and architectural skills, with the ability to dive deep into technical issues as needed. Deep experience leading backend and distributed systems in production environments. Proven success leading cross-functional, multi-quarter initiatives in complex, fast-paced environments. Excellent communication skills and the ability to effectively collaborate with both technical and non-technical stakeholders. Strong product intuition and business judgment, with the ability to assess tradeoffs, risk, and long-term impact. Preferred Qualifications Familiarity with operating in regulated environments and working with external partners. Experience specifically in fintech or finance, working with pricing, risk, or other Machine Learning adjacent teams where correctness and regulatory compliance is critical. Position location This role is available in the following locations: Remote, USA Time zone requirements The team operates on the East and West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Director At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $195,000—$270,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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

Manage and grow strategic lender partnerships by acting as a trusted advisor, analyzing performance, and collaborating cross-functionally. | Over 10 years of experience in financial services or consulting, with strong relationship management, financial acumen, and knowledge of regulations. | 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 1,800 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 lending partnership team is responsible for growing and managing the banks and credit unions that leverage Upstart’s consumer lending technology to enable access credit. As an Senior Account Manager, you will own and grow strategic lender partnerships by acting as a trusted advisor, business operator, and internal advocate. You’ll be responsible for driving results, deepening relationships, and helping partners maximize value from our products and capabilities while navigating risk, performance, and growth objectives. This role sits at the intersection of relationship management, financial acumen, and cross-functional execution. How you’ll make an impact Own and Grow Strategic Relationships Build strong, trusted relationships with business owners through frequent, proactive engagement Establish rapport with executive sponsors and senior leaders, serving as a trusted escalation point and advisor Lead monthly KPI discussions and periodic business reviews with cross-functional stakeholders Demonstrate empathy and a service-oriented mindset to deeply understand partner goals and needs Leverage partners for references and advocacy; show appreciation through thoughtful outreach Drive Business Results Grow lender origination volume through expanded product usage and optimized credit configurations Identify and execute opportunities to expand products and capabilities within existing accounts Negotiate new and existing contracts to achieve favorable terms and long-term partnership value Partner with internal teams to unlock growth while maintaining strong portfolio performance Advise on Risk, Performance & Financials Serve as a subject-matter expert on lender-controlled risk levers, including configurations and program adjustments Explain pricing structures and return mechanics so partners can set and manage returns throughout the lifecycle of a program Analyze and communicate loan performance and overall portfolio health Cross-Functional Collaboration Act as a partner across internal teams including data analytics, sales consulting, sales, legal, compliance, product, implementation, operations, and customer success Influence without authority to drive alignment and execution across teams Represent and advocate for partners internally while balancing company objectives Operational Excellence Maintain accurate and up-to-date account records in Salesforce, including priorities, relationship context, and opportunities Track opportunities and ensure status and contacts are current Leverage enterprise tools effectively, including G-Suite, Zoom, Slack, Salesforce, Jira, and ticketing systems Minimum Qualifications 10+ years of experience in consulting, financial services, or operations — ideally within a fintech or financial institution. Highly proactive with a strong sense of urgency and ability to prioritize high-impact work Comfortable operating autonomously in a fast-changing environment Executive presence with the ability to create and deliver compelling presentations and proposals Skilled at navigating complex situations and delivering tough messages when needed Demonstrated experience with, and a strong working knowledge of, financial services regulations and compliance requirements Preferred Qualifications Experience in consumer lending 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. 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 $150,000—$200,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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

Manage and improve credit bureau dispute processes, ensure compliance, and lead a team to resolve complex disputes efficiently. | Deep expertise in credit bureau disputes, FCRA, and operations management with at least 4 years of relevant experience. | 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 1,800 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 Disputes team is responsible for managing all aspects of the customer dispute process. This includes handling direct and indirect credit bureau disputes. The team ensures compliance with all regulatory requirements, maintains service level agreements (SLAs), and delivers high-quality, timely resolutions for every customer interaction. As the Operations Manager, Credit Bureau Disputes at Upstart, you will lead a high-performing team responsible for managing all incoming disputes and related claims. You’ll oversee daily operations, guide the team through complex workflows, and partner cross-functionally to enhance efficiency, maintain compliance, and improve the customer experience. You will play a pivotal role in ensuring Upstart upholds its commitment to accuracy, fairness, and timeliness in all dispute-related matters. How you’ll make an impact • Lead and manage the day-to-day operations of the Disputes team, supporting a group of 10 specialists. • Lead and execute credit bureau reporting disputes investigations, ensuring accuracy, FCRA compliance, and timely resolution (Metro 2, ACDV/QC workflows). • Own end-to-end process improvement initiatives within the disputes function—identifying gaps, driving root-cause analysis, implementing solutions, and measuring impact. • Act as the primary escalation point for complex or sensitive disputes, ensuring timely and compliant resolution. • Oversee and streamline workflows for credit disputes to meet internal and regulatory SLAs. • Collaborate cross-functionally with Product, Compliance, Legal, Credit Reporting, and Customer Operations teams to align on process, policies and escalations. • Monitor Quality assurance metrics and provide coaching, feedback, and professional development to team members to foster growth and engagement. • Track and analyze dispute trends to identify root causes, mitigate risks, and inform process or policy updates. • Ensure adherence to Fair Credit Reporting Act (FCRA). Minimum Qualifications • Deep expertise in credit bureau disputes (FCRA compliance, Metro 2 reporting accuracy, furnisher investigations). This is not a transaction dispute role (Debit/ACH/credit card), nor does it involve loan servicing or collections dispute workflows • 4+ years of experience in operations, credit disputes, or consumer lending environments. • Minimum of 4 years experience in an operations management role, including at least 2 years focused exclusively managing and leading a dispute and fraud operations team. • Strong understanding of FCRA, SCRA, and identity theft claim handling requirements. • Proven track record of meeting SLAs and driving performance through metrics and process improvement. • Demonstrated success in revamping and leading a fraud or identity theft investigations team, including implementation of process improvements that resulted in measurable gains in efficiency and risk reduction. • Extensive experience with various identity theft typologies (e.g., synthetic ID, account takeover, new account fraud). • Expertise in fraud claim validation best practices. • Bachelor’s degree in Business, Finance, Operations Management, or a related field, or equivalent practical experience. Preferred Qualifications • Experience working in fintech, banking, or a credit reporting environment. • e-Oscar expertise and managing indirect disputes received from the credit reporting agencies. • Skilled in process optimization, workflow automation, and root cause analysis. • Knowledge of credit reporting systems and dispute management tools. • Ability to interpret and apply regulatory requirements to operational processes. • Excellent written and verbal communication skills with the ability to communicate complex information clearly. • Demonstrated ability to lead through change and foster a culture of accountability and continuous improvement. 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-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 $75,900—$105,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose • Health Savings Account contributions from Upstart for eligible plans • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage • Paid time off, sick and safe time, and company holidays • Paid family and parental leave to support caregiving and major life moments • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving • 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 • 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 and onsites, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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 and transform procurement processes, develop sourcing strategies, and manage vendor relationships to enable business growth. | 10+ years in procurement leadership, experience with indirect spend, and familiarity with compliance and regulatory frameworks in a tech or regulated environment. | This a Full Remote job, the offer is available from: United States About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Procurement team is a strategic enabler of innovation, speed, and cost discipline. Our team manages the full lifecycle of vendor engagement—from strategic planning and supplier selection to onboarding, contracting, and performance oversight—across three core pillars: Procurement Operations, Strategic Sourcing, and Supplier Management. We partner closely with Legal, InfoSec, TPRM, AP, and our internal business stakeholders to deliver a seamless and scalable procurement experience that balances compliance, cost, and risk management. Following a recent company-wide review of our procurement process, we are embarking on a bold redesign to simplify intake and system approvals, improve transparency, and better align sourcing with business priorities. You will lead this transformation. As the Head of Procurement at Upstart, you will define and execute the strategic vision for procurement at Upstart. You will lead a high-performing team that combines operational precision with strategic sourcing expertise, and be accountable for company-wide spend management, procurement policy, vendor governance, and tool implementation. This is both a strategic leadership and hands-on execution role—ideal for someone who can scale process, technology, and culture in a dynamic, growth-stage FinTech environment. You will work closely with Legal, TPRM, Information Security, and Finance leadership to ensure the procurement process is efficient, compliant, and designed around business enablement. This role is critical to Upstart’s ability to grow responsibly and move fast with the right partners. The role reports to Upstart’s Chief Accounting Officer. How you’ll make an impact Strategic Leadership • Develop and lead a clear, scalable procurement strategy aligned with Upstart’s business priorities, cost goals, and risk frameworks. • Champion a unified, user-friendly procurement experience that minimizes friction and maximizes cross-functional collaboration. • Drive transformation of procurement workflows and Procurement systems configuration, ensuring end-to-end ownership and accountability. • Establish procurement as a key business partner across departments through data-driven insights, reliability, and proactive service. Sourcing & Category Management • Guide sourcing strategy across all major categories: Technology (SaaS, cloud, software), Engineering, Marketing, HR, Professional Services, and Risk. • Partner closely with FP&A and budget owners to influence planning, forecasting, and tradeoff decisions and deliver on cost savings and cost avoidance goals. • Advocate for the Sourcing team with their work with Business teams to shape demand, build sourcing plans, and deliver value beyond cost (speed, quality, security, sustainability). • Negotiate complex enterprise contracts with a focus on optimizing commercial, legal, and cybersecurity terms. • Partner with Legal and InfoSec to streamline standard templates and review paths for faster execution. Supplier Management • Build a comprehensive supplier governance program—from onboarding and due diligence to performance monitoring and renewals in alignment with applicable financial services regulations. • Integrate supplier management with work done by InfoSec and TPRM teams, using a shared view of vendor data and lifecycles. • Ensure alignment with SOX, internal audit standards, and public company reporting requirements. • Lead efforts to expand and diversify Upstart’s supplier base while ensuring operational continuity. Team Leadership & Culture • Lead, coach, and develop a growing team of procurement professionals. • Foster a culture of accountability, agility, continuous improvement, and strong business partnership. • Advocate for processes and tools that empower internal teams—not burden them—and make it easier to get things done the right way. • Promote learning and development in areas like category strategy, negotiation, and vendor relationship management. Minimum Qualifications Education & Experience • Bachelor’s degree in Business, Supply Chain, Finance or a related field; MBA or advanced degree preferred. • 10+ years of progressive procurement leadership experience, including 5+ years managing complex indirect spend in a tech-forward or regulated environment (e.g., FinTech, financial services, SaaS). • Experience leading procurement in a public company and working across cross-functional compliance frameworks (Legal, Security, Risk, Finance, TPRM). • Demonstrated success in transforming, standardizing, and digitizing procurement processes—including intake, approvals, contract lifecycle, and supplier performance. Skills & Competencies • Strategic thinker with hands-on execution skills—able to toggle between big-picture vision and operational detail. • Deep expertise in strategic sourcing, contract negotiation, and category management. • Strong knowledge of SOX controls, vendor risk, and the regulatory nuances of working in a public company. • Exceptional stakeholder management skills—able to influence and partner across all levels, from ICs to executives. • Collaborative leader with high integrity, a builder’s mindset, and a passion for enabling great work through great systems. • Strong process mapping and optimization mindset. Preferred Qualifications • Experience with procurement tools (e.g., Zip, Ironclad, SpendHQ, or equivalents) 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 expected 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. What you'll love: • Competitive Compensation (base + bonus & equity) • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings • Employee Stock Purchase Plan (ESPP) • Life and disability insurance • Generous holiday, vacation, sick and safety leave • Supportive parental, family care, and military leave programs • Annual wellness, technology & ergonomic reimbursement programs • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering • Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-Director At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $184,500—$255,400 USD 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 This offer from "Upstart" has been enriched by Jobgether.com and got a 73% flex score.

Design and optimize marketplace systems, collaborate with ML and engineering teams, and improve matching and pricing algorithms. | Extensive experience in marketplace product management, strong collaboration skills, and a background in economics, statistics, or operations research preferred. | 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 1,800 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 Marketplace Optimization team builds and scales systems that clear Upstart’s marketplace by balancing tradeoffs for borrowers, lenders, investors, and Upstart. We enable borrowers to access credit, and our capital partners to deploy capital efficiently and with confidence. As the Principal Product Manager, Marketplace Optimization at Upstart, you will partner with Machine Learning to optimize those systems, and work with our engineering and business teams to simplify and automate the operations of the system. You will design experiments to test your best ideas, and be responsible for defining and hitting goals for every side of Upstart’s marketplace. How you’ll make an impact You’ll create the mechanisms that clear Upstart’s marketplace, improving rates for customers and returns for capital partners. Shape the algorithms that determine how participants are matched, and define the rules that support stable, trusted outcomes for all participants at scale. You’ll collaborate on the vision and strategy for Upstart’s marketplace with Machine learning, our business teams, and engineering. What should we focus on, why, and when? Ultimately customers tangibly save money and capital partners earn superior risk-adjusted returns thanks to your work. Minimum Qualifications 8+ years experience in a marketplace product management role, with demonstrated success leading an engineering team to deliver critical initiatives in the domains of pricing, monetization, matching, routing, incentives. Ability to build relationships and effectively collaborate with all levels of the organization, from C-level to individual contributors Ability to manage and influence through persuasion, negotiation, and consensus building. Preferred Qualifications Academic degree in Economics, Econometrics, Statistics, Operations Research Hands-on experience applying optimization and simulation to real business problems. Track record driving automation that reduces manual work in operational workflows. Background in marketplace pricing, matching, or capital/finance products — able to translate business constraints into system configs Strong experiment design+analysis experience (A/B testing, offline simulations, and metrics-driven decisions) 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 $187,900—$260,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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

Leading enterprise healthcare operations, strategy execution, and system transformation at a national level. | Extensive senior healthcare leadership experience, strategic and operational expertise, and cross-organizational coalition building. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: The Exception & Escalation Underwriting team partners closely with Home Lending Underwriting, Processing Operations, and Closing to resolve complex HELOC scenarios that fall outside standard decision paths. This function provides second-level credit decision support, applies documented exception authority, and drives fast, defensible resolutions for time-sensitive escalations. The team also plays a key role in improving operational consistency by partnering with Credit Policy, Quality, Legal & Compliance, and Closing/Title to ensure exception decisions are executable through clear-to-close and funding. How you’ll make an impact Own exceptions & escalations: Independently resolve complex HELOC exception and escalation cases (income/asset nuance, liens, layered risk, occupancy/property considerations) within delegated authority and policy intent. Underwriting-to-close partnership: Partner directly with Closing/Title to resolve closing blockers by making timely decisions within authority—and when needed, partnering with Underwriting leadership and Legal & Compliance to reach policy-aligned resolutions that keep files on track for on-time funding. Audit-ready documentation: Deliver clear, defensible rationale and executable conditions (complete notes, evidence, and requirements) that reduce downstream churn and withstand QA/audit scrutiny. Data-driven improvement: Analyze exception/escalation and closing outcomes to identify recurring friction points (rework drivers, cycle-time bottlenecks, defect themes) and translate insights into process, policy, or workflow recommendations. Enablement & consistency: Contribute to calibration, edge-case guidance, and playbooks that improve decision consistency and reduce repeat escalations. Minimum Qualifications 5+ years residential mortgage underwriting experience with independent credit decision ownership Direct Exceptions & Escalations underwriting experience (e.g., escalation desk/queue, second-level review, exception authority role) HELOC underwriting experience, including lien position/lien documentation, CLTV/HCLTV, property/occupancy, and income/asset evaluation Proven experience partnering with Closing/Title to set executable conditions and resolve underwriting-to-close issues through clear-to-close and/or funding Strong written documentation skills (clear rationale, conditions, supporting evidence) appropriate for QA/audit review Demonstrated data analytics capability to evaluate trends, quantify impact, and make process improvement recommendations (e.g., Excel/Sheets analysis, dashboards, root-cause analysis) Preferred Qualifications Experience partnering with Legal & Compliance on policy interpretation and exception decisions Proficiency with SQL and/or BI tools (e.g., Looker/Tableau) and comfort working with operational datasets Experience contributing to workflow improvements (playbooks, decision trees, control enhancements, system triggers) that reduce rework or cycle time Familiarity with digital mortgage workflows and case management/LOS tooling Underwriting Experience with independent credit decisioning at a Fintech company 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. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $75,900—$105,000 USD 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

Support and enhance Workday HCM systems, focusing on Payroll, Time & Absence, and reporting, while collaborating with stakeholders to implement solutions. | Strong experience with Workday HCM modules, including configuration, reporting, security, and integrations, along with excellent problem-solving and organizational skills. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team The HR Technology team is foundational to Upstart’s continued success as we scale. Among other things, this team is responsible for the architecture, infrastructure and development of our people systems. You will be joining a company with engaged founders and leaders, strong values (practiced daily!) and operational rigor and discipline. Come help us build the programs and culture that will enable continued success for our employees and borrowers! As a Manager of HR Technology at Upstart, you’ll be responsible for configuration, maintenance and enhancement of Workday HCM, specifically for all areas touching Payroll, Time & Absence, as well as Report Writing, Performance & Talent, Security, and Integrations. A successful candidate in this role will be experienced in supporting complex reporting and integrations. How you’ll make an impact: Support Upstart’s multi-year people process and technology roadmap through subject matter expertise and administration across all areas of Workday HCM product, with specific focus on Payroll, Time & Absence, as well as Reporting, Talent & Performance, and Security. Drive both the strategic process and tactical delivery for new initiatives holistically; including data/insights analysis, business proposals, requirements gathering, planning, development, implementation, stakeholder management and on-going support. Implement solutions that ensure data is complete, accurate, secure, and appropriately mapped for reports, dashboards, and downstream reporting systems. Partner with stakeholders such as IT and HR Ops to provide input into new processes, prioritize projects/enhancements, map business processes, implement creative and effective solutions that will shape the way Upstart operates now and into the future. Troubleshoot and resolve complex issues and defects with exceptional customer service Continually increase personal knowledge and maintain individual development through learning and research What we’re looking for: Minimum requirements: Strong configuration knowledge of Workday HCM, including Core HCM, Payroll, Time & Absence, as well as Report Writing, Performance, Security, and Integrations Excellent Workday Reporting including Advanced Reports, Matrix, and composite reports, as well as Prism Understand Workday security, SOX compliance, and controls to effectively manage and maintain security and roles Preferred qualifications: WD certifications (preferred but not required) Passion to learn additional Workday modules Excellent organizational skills and attention to detail Excellent time management skills with a proven ability to meet deadlines Strong analytical and problem-solving skills Ability to prioritize tasks Ability to adapt and live by Upstart values Every second counts Do not assume it can’t be done Do the right thing even when it is hard Be smart, but know you might be wrong Make clever use of numbers 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. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-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 $138,000—$190,900 USD 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 and transform procurement processes, develop sourcing strategies, and manage vendor relationships across the organization. | Over 10 years of procurement leadership experience, expertise in strategic sourcing, contract negotiation, and managing procurement in regulated environments, with familiarity in procurement tools and compliance standards. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Procurement team is a strategic enabler of innovation, speed, and cost discipline. Our team manages the full lifecycle of vendor engagement—from strategic planning and supplier selection to onboarding, contracting, and performance oversight—across three core pillars: Procurement Operations, Strategic Sourcing, and Supplier Management. We partner closely with Legal, InfoSec, TPRM, AP, and our internal business stakeholders to deliver a seamless and scalable procurement experience that balances compliance, cost, and risk management. Following a recent company-wide review of our procurement process, we are embarking on a bold redesign to simplify intake and system approvals, improve transparency, and better align sourcing with business priorities. You will lead this transformation. As the Head of Procurement at Upstart, you will define and execute the strategic vision for procurement at Upstart. You will lead a high-performing team that combines operational precision with strategic sourcing expertise, and be accountable for company-wide spend management, procurement policy, vendor governance, and tool implementation. This is both a strategic leadership and hands-on execution role—ideal for someone who can scale process, technology, and culture in a dynamic, growth-stage FinTech environment. You will work closely with Legal, TPRM, Information Security, and Finance leadership to ensure the procurement process is efficient, compliant, and designed around business enablement. This role is critical to Upstart’s ability to grow responsibly and move fast with the right partners. The role reports to Upstart’s Chief Accounting Officer. How you’ll make an impact Strategic Leadership Develop and lead a clear, scalable procurement strategy aligned with Upstart’s business priorities, cost goals, and risk frameworks. Champion a unified, user-friendly procurement experience that minimizes friction and maximizes cross-functional collaboration. Drive transformation of procurement workflows and Procurement systems configuration, ensuring end-to-end ownership and accountability. Establish procurement as a key business partner across departments through data-driven insights, reliability, and proactive service. Sourcing & Category Management Guide sourcing strategy across all major categories: Technology (SaaS, cloud, software), Engineering, Marketing, HR, Professional Services, and Risk. Partner closely with FP&A and budget owners to influence planning, forecasting, and tradeoff decisions and deliver on cost savings and cost avoidance goals. Advocate for the Sourcing team with their work with Business teams to shape demand, build sourcing plans, and deliver value beyond cost (speed, quality, security, sustainability). Negotiate complex enterprise contracts with a focus on optimizing commercial, legal, and cybersecurity terms. Partner with Legal and InfoSec to streamline standard templates and review paths for faster execution. Supplier Management Build a comprehensive supplier governance program—from onboarding and due diligence to performance monitoring and renewals in alignment with applicable financial services regulations. Integrate supplier management with work done by InfoSec and TPRM teams, using a shared view of vendor data and lifecycles. Ensure alignment with SOX, internal audit standards, and public company reporting requirements. Lead efforts to expand and diversify Upstart’s supplier base while ensuring operational continuity. Team Leadership & Culture Lead, coach, and develop a growing team of procurement professionals. Foster a culture of accountability, agility, continuous improvement, and strong business partnership. Advocate for processes and tools that empower internal teams—not burden them—and make it easier to get things done the right way. Promote learning and development in areas like category strategy, negotiation, and vendor relationship management. Minimum Qualifications Education & Experience Bachelor’s degree in Business, Supply Chain, Finance or a related field; MBA or advanced degree preferred. 10+ years of progressive procurement leadership experience, including 5+ years managing complex indirect spend in a tech-forward or regulated environment (e.g., FinTech, financial services, SaaS). Experience leading procurement in a public company and working across cross-functional compliance frameworks (Legal, Security, Risk, Finance, TPRM). Demonstrated success in transforming, standardizing, and digitizing procurement processes—including intake, approvals, contract lifecycle, and supplier performance. Skills & Competencies Strategic thinker with hands-on execution skills—able to toggle between big-picture vision and operational detail. Deep expertise in strategic sourcing, contract negotiation, and category management. Strong knowledge of SOX controls, vendor risk, and the regulatory nuances of working in a public company. Exceptional stakeholder management skills—able to influence and partner across all levels, from ICs to executives. Collaborative leader with high integrity, a builder’s mindset, and a passion for enabling great work through great systems. Strong process mapping and optimization mindset. Preferred Qualifications Experience with procurement tools (e.g., Zip, Ironclad, SpendHQ, or equivalents) 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 expected 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. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-Director At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $184,500—$255,400 USD 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

As the Senior Manager, People Insights & Analytics, you will act as a strategic analytics partner, building dashboards and conducting workforce analyses. You will deliver insights that shape talent attraction, retention, and growth strategies. | Candidates should have over 6 years of experience in advanced analytics focused on people insights. A strong background in Workday and data warehousing solutions is essential. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s People Platforms & Programs team ensures that every Upstarter has a seamless and supportive experience across the employee lifecycle. This team brings together People Analytics, Learning & Development, HR Technology, Program Management, and HR Operations to create the systems, programs, and experiences that enable people to do their best work. From building scalable platforms and tools, to designing growth and learning opportunities, to delivering the operational excellence that keeps our people processes running smoothly, People Platforms & Programs is the connective tissue that supports every stage of an Upstarter’s journey. The Role: As the Senior Manager, People Insights & Analytics you’ll be a strategic analytics partner, building robust dashboards and models, conducting deep workforce analyses, and delivering insights that shape how we attract, retain, and grow talent. Through innovative use of tools like Culture Amp, Workday, Prism, Databricks, and BI platforms, you will ensure leaders at every level can make faster, clearer, and more impactful people decisions that drive both employee experience and business outcomes. How you’ll make an impact Act as the strategic analytics partner for the People team and company leaders to uncover people related insights Build robust, self-serve dashboards, reports, models and alerts to track metrics across the People data and enable self-serve people related decisions and processes Conduct in-depth analyses to identify key trends, risks, and opportunities across areas such as hiring, attrition, diversity, and engagement; translate insights into clear, actionable recommendations that inform people strategies and business decisions. Perform deep-dive analysis of engagement data to surface trends, patterns, and opportunity areas; distill insights into clear narratives that highlight drivers of engagement and inform targeted people strategies, leadership actions, and organizational initiatives. Drive process improvement and automation by evaluating, championing, and implementing new analytics tools, advanced capabilities, and AI-driven solutions that increase efficiency, scalability, and the strategic impact of people insights. Partner with stakeholders across HR and the broader business to understand evolving priorities, translate them into analytics requirements, and continuously enhance deliverables to ensure our insights are timely, relevant, and actionable. Proactively expand the use of data across the People organization by building data fluency, driving adoption of self-serve dashboards and tools, and empowering HR and business leaders to leverage insights in everyday decision-making. Conduct regular data audits and validations to ensure accuracy, consistency, and compliance across all People data systems, safeguarding the integrity of insights that inform critical business and talent decisions. Minimum Qualifications 6 + years of experience in advanced analytics focused on delivering people-based insights and driving meaningful impact. Proven experience defining data strategy and architecture for People/HR systems, including linking Workday/Prism data with enterprise platforms such as Databricks. Strong foundational knowledge of Workday HCM and reporting, with the ability to translate business needs into scalable reporting solutions. Demonstrated expertise with Workday Prism and modern data warehousing solutions (e.g., Snowflake, Databricks) to enable advanced analytics. Advanced skills in database modeling and pipeline development, including JSON, SQL, and ETL/ELT pipeline configuration. Hands-on experience building and maintaining integrations using APIs, webhooks, and middleware to ensure seamless data flows across systems. Solid track record in data modeling for HR analytics , with proficiency in BI tools such as Workday dashboards, Looker, and/orTableau to deliver actionable insights. Demonstrated experience creating compelling data visualizations that effectively communicate insights and transform complex data into clear, actionable recommendations for stakeholders. Preferred Qualifications Comfort working in a high-growth, fast-paced environment with evolving priorities. Background in fintech, technology or AI related field is a plus. 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. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-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 $135,000—$186,700 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 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 financial forecasting, planning, and reporting for the balance sheet and net interest income. Collaborate with various departments to ensure accurate modeling and compliance with regulatory standards. | Candidates should have a BS/MS in Finance or related fields and at least 7 years of relevant experience. Strong expertise in balance sheet and liquidity management is essential. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: The FP&A team at Upstart plays an integral part in the company’s business and financial planning process. We are looking for a highly motivated and hard-working individual to join our team with a key role in managing balance sheet, cash and liquidity. As a Finance Manager at Upstart, you will drive and support all aspects of FP&A which includes in-depth financial and business planning, collaborating with business leaders across the company, and driving analyses for business and strategic cases. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks. If you are naturally curious, love data, versed in financial modeling and analysis, and an excellent communicator who enjoys collaborating with people with a diverse set of talents, this could be a great opportunity for you. How you’ll make an impact Lead financial forecasting, planning, and reporting for the balance sheet, net interest income, and risk capital. Own forecasting accuracy for balance sheet composition, fair value adjustments, and net interest margin. Build and maintain financial models and BI dashboards for scenario planning, variance analysis, and executive reporting. Partner with Analytics, Accounting, Treasury, and Capital Markets to ensure accurate modeling and compliance with GAAP and regulatory standards. Drive process improvements and automation within FP&A to improve accuracy, efficiency, and scalability. Support month-end and quarter-end close, earnings prep, board materials, and business reviews with actionable insights Minimum Qualifications BS/MS in Finance, Economics, Computer Science, Statistics, or related field (or equivalent experience). 7+ years of relevant experience in FP&A, Accounting, Investment Banking, or Corporate Finance. Strong expertise in balance sheet, liquidity, and cash management. Familiarity with consumer credit capital markets, private credit, structured finance/products/transactions. Advanced proficiency in Excel/Google Sheets; adept at handling large datasets. Strategic thinker with strong analytical and problem-solving skills. Exceptional communication and presentation skills, with ability to influence senior leadership. Highly organized, able to manage multiple priorities under tight deadlines. Adaptable, independent, and effective in fast-paced environments. Preferred Qualifications CPA certification with strong knowledge of GAAP and fair value accounting principles. Experience with NetSuite and FP&A tools such as Adaptive Planning. Proficiency with business intelligence and reporting tools (e.g., Looker, Tableau, Mode). Familiarity with advanced analytics tools such as SQL, Python, or R. Prior experience in the consumer marketplace lending or fintech industry. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. [Only use this section if there are specific time zone requirements that this role must work in; if the role is remote-US or can work in any timezone in the US, please remove this section. 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. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-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 $124,000—$172,000 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 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

Provide expert legal guidance on privacy, data governance, and cybersecurity laws impacting Upstart’s consumer lending platform and collaborate across teams to ensure compliance and risk mitigation. | JD with superior credentials, 5+ years legal experience including fintech or privacy/data governance in consumer lending, strong communication skills, and ability to work independently in a fast-paced environment. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart is looking for an attorney to join the Product & Regulatory Legal team. As Senior Legal Counsel, Privacy, you will serve as subject matter expert on privacy, data governance, and cybersecurity legal issues across Upstart’s operations. Ideal job seekers should be team players, excellent communicators, and incredibly organized, and also have experience in providing legal guidance to businesses in the financial services industry. If you thrive in a fast-paced legal environment and are a great teammate, please apply! As a subject matter expert within Upstart, you will collaborate with teams across the entire company and within the Product & Regulatory Legal team on the laws and regulations impacting Upstart’s consumer lending platform, bank partnership business lines, and future products. 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 travel for in-person collaboration in our company offices in San Mateo, CA, Austin, TX, and Columbus, OH. These in-person on-sites generally occur once per quarter for 2-4 consecutive days at a time, however the cadence varies by team and role. How you’ll make an impact: Serve as the lead lawyer advising the business on applicable laws and regulations such as the GLBA, CCPA, and other state and federal privacy laws, as well as emerging “Responsible AI” and privacy laws. Engage directly with Upstart’s product, operations, privacy, security, finance, legal and compliance teams regarding Upstart’s obligations under privacy and data security laws; perform legal research and provide memos as necessary. Research, analyze and provide recommendations regarding data use and data sharing abilities within applicable laws. Provide legal recommendations to senior leadership, business partners and the Compliance/Risk function on key issues and strategy driving this important part of our business. Assist in the drafting and finalization of privacy and security related policies and procedures including those relating to data retention and destruction. Escalate high risk or important issues to senior leadership within the Product & Regulatory Legal team and senior management as appropriate. Use a first-principals approach to identify inefficiencies, reduce legal risk, and improve customer experiences. What we're looking for: J.D. degree with superior academic credentials and a state bar membership. Minimum of 5 years of experience in a top-tier law firm, in-house, and/or governmental agencies. Experience working for or with a fintech company, as well as handling privacy and/or data governance matters in consumer lending. In-depth knowledge of federal and state privacy and data security laws, including the GLBA, Regulation P, the FTC Financial Safeguard Rule and state laws across the country, as well as a foundational understanding of lending and consumer protection laws and regulations. Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice. A self-starter mentality with the ability to work well under pressure, excel working under limited direction, and an attitude that no job is too challenging or too small. Ability to provide solutions to a variety of issues of varied scope and complexity and to prioritize and balance multiple tasks in a fast-paced environment. 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 $171,400—$237,200 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 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 growth strategy and go-to-market execution for a mobile lending product, driving acquisition, engagement, and retention through cross-functional collaboration and data-driven marketing. | Requires 10+ years in growth or product marketing for consumer mobile products, experience with app acquisition and engagement, strong financial acumen, and ability to lead go-to-market for early-stage products. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team The Growth Team is in charge of expanding Upstart’s reach to the millions of Americans without access to affordable credit. We are energized by the prospect of breaking ground in our field and making a positive impact on people’s financial lives. We are looking for a full-stack growth marketing manager, who can help us grow our new products sustainably through compelling and creative ways. As the Product Marketing Lead –, you will lead product marketing for our newest product putting technology to work for everyday Americans. Every year, millions of people turn to high-cost payday and cash advance loans to cover short-term needs, often paying excessive fees and interest to make ends meet. Our mission is to build products that help our customers stabilize their lives and build real financial security. You’ll drive the growth strategy, go-to-market execution, and customer adoption plan from the ground up, shaping how borrowers discover, understand, and repeatedly use the product. This is a high-impact role for someone who can translate insights into action, and who thrives in fast-moving, zero-to-one environments. Position Location - This role is available in the following locations: Remote Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. How you’ll make an impact: • Own the growth goal and go-to-market strategy for a mobile-only lending product: Lead the strategy and execution to drive acquisition, engagement, and funded loans through Upstart’s app. You’ll be responsible for identifying the most impactful growth levers and collaborating cross-functionally to activate them. • Define and evolve product positioning and messaging to maximize clarity, trust, and adoption. You'll craft compelling narratives and value props that resonate with mobile-first borrowers and differentiate the product in a competitive landscape. • Drive mobile acquisition and retention: Partner with lifecycle, performance marketing, and creative teams to launch integrated campaigns that grow app installs, boost engagement, and increase repeat usage. • Partner on borrower and market insights: Work closely with our Consumer Insights team to translate qualitative and quantitative research into actionable marketing strategies. Use insights to shape positioning, messaging, and the borrower experience. • Support in-app journey optimization: Partner with Product and Design teams to identify friction points in onboarding and application flows. Contribute to testing and refinement efforts that aim to improve conversion and enhance borrower engagement. • Measure what matters: Define success metrics and continuously track performance across acquisition, activation, and retention. Use data to drive iteration, clearly communicate impact, and make decisions grounded in business outcomes.Develop a deep understanding of how the product generates revenue and what levers impact profitability. Use that knowledge to guide marketing strategy and optimize spend for long-term, sustainable growth. • Stay ahead of market trends: Monitor the competitive landscape and emerging consumer behaviors to inform positioning and marketing strategy. What we’re looking for: Minimum requirements: • 10+ years of experience in growth or product marketing for consumer-facing technology products, ideally mobile-first • Demonstrated success driving acquisition and engagement for app-based products • Experience owning go-to-market strategy and growth for a new or early-stage product • Strong understanding of key financial drivers including LTV, CAC, payback periods, and unit economics • Experience managing or influencing a product P&L and making prioritization decisions based on business impact • Proven ability to use data and insights to shape positioning, improve conversion, and influence roadmap • Effective cross-functional collaborator with Product, Growth, Analytics, and Creative teams Preferred qualifications: • Experience working on or marketing subscription-based products • Familiarity with mobile growth tools and tactics (e.g., MMPs, ASO, push, in-app messaging, mobile funnel optimization) • Background in fintech or highly regulated industries • Ability to operate independently in fast-paced, ambiguous environments and drive outcomes • Skilled in crafting messaging that drives acquisition, onboarding, and engagement • Strong written and verbal communication skills with an ability to simplify complex concepts 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 $155,500—$215,100 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 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 will own the tooling, maintenance, and performance optimizations of our production database systems built on Postgres technology. You’ll lead by developing tools and processes to improve query patterns and dataflows in the operational layer. | Candidates should have 5-10 years of experience in a Database Engineer/DBA role with advanced knowledge of Postgres and performance optimization techniques. Proficiency in Python and familiarity with AWS building blocks is also required. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team As a Database Engineer on the Database Engineering team, you will own the tooling, maintenance and performance optimizations of our production database systems built on Postgres technology. The Database Engineering team is responsible for all of the AWS RDS infrastructure which powers our loans. You will lead by developing tools and processes You’ll have wide latitude in technology options to help us choose the right technology for our evolving data workflows. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. How you’ll make an impact: Improving query patterns and dataflows in the operational layer Building out tools to reduce the teams workload Providing guidance to vertical squads on database best practices What we’re looking for: Database Expertise 5-10 years of experience in a Database Engineer/DBA role Advanced knowledge of Postgres extensions and performance optimization techniques. Experience optimizing sql queries and techniques for improving data workflows Familiarity with Postgres scalability solutions and can use this knowledge to guide designs Advanced knowledge of Postgres Replication solutions Proficiency with database normalization Cloud and Operations experience Proficiency in Python or other language for database automation and tooling development Knowledge of fundamental AWS building blocks (EC2, EBS, S3, RDS, IAM, VPC) Have relevant technical skills (scripting, SQL, Unix command line tools) Experience with RDS and monitoring tools such as Datadog Communication & Collaboration Excellent written and verbal communication skills with ability to present complex technical information clearly Experience mentoring development teams and conducting technical training on database design standards and query best practice Proven ability to work in agile environments and collaborate with cross-functional teams Experience with OnCall and the ability to think on your feet Preferred Qualification Experience with Clickhouse and DataDog DBM Note: Candidates who may not yet meet all listed qualifications are still encouraged to apply, as there will be ample opportunity to develop and strengthen these skills on the job 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 $163,600—$226,400 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 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, build, and maintain scalable React Native mobile applications, collaborate with cross-functional teams, improve platform tooling and performance, and mentor team members. | 6+ years of professional software development experience with production mobile apps, expertise in React Native and native mobile platforms, strong communication, ownership, and mentoring skills. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Role As a Senior Mobile Software Engineer at Upstart, you’ll help design and build scalable, high-quality mobile applications using React Native. You’ll collaborate closely with product managers, designers, and backend engineers to deliver features that delight users and align with company goals. This is a hands-on, execution-focused role for an experienced engineer who wants to ship features, own technical decisions, and improve our mobile platform. You’ll contribute to engineering quality through thoughtful system design, code review, and a focus on long-term maintainability. The Team The Mobile team at Upstart is building the future of our user experience. Our mobile codebase is React Native-first, and we’re in the early stages of expanding from iOS into Android. Our work spans user-facing features, performance optimization, platform tooling, and tight collaboration with backend and design partners. We’re a fast-moving team that values pragmatism, quality, and impact — and we’re laying the foundation for a scalable and user-first mobile platform. What You’ll Do Build and maintain user-facing features in our React Native mobile apps across iOS (and Android, as we expand). Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms. Collaborate with product and design teams to scope, implement, and launch features that align with user and business needs. Contribute to platform improvements, including tooling, testing strategies, CI/CD, and performance monitoring. Work with backend engineers to define mobile-specific APIs and improve client-server integration patterns. Identify and resolve performance or reliability issues in the mobile experience. Participate in code reviews, architecture discussions, and technical planning to raise engineering quality across the team. Support a strong mobile engineering culture through mentorship, collaboration, and a focus on continuous improvement. We’re Excited About You Because You… Have 6+ years of professional software development experience, including meaningful contributions to production mobile apps. Have experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android). Understand mobile performance, memory management, and platform-specific constraints. Communicate effectively with cross-functional partners in product, design, and backend engineering. Take ownership of your work and are comfortable delivering complex features from planning through release. Balance speed and quality, and advocate for maintainable, scalable engineering solutions. Contribute to team culture and engineering practices through feedback, mentoring, and collaboration. Embrace a growth mindset and enjoy learning from others while helping teammates grow. Bonus Points If You… Have helped launch or scale a React Native app on the Android platform. Are comfortable working with TypeScript or custom native modules. Have experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks. Have worked in a fast-paced product company where mobile was a primary user touchpoint. Have contributed to internal tools, processes, or systems that improved mobile developer velocity or code quality. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. What You'll Love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-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 $163,600—$226,400 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 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 and develop the Auto Analytics team, building scalable analytical frameworks and capabilities. Own end-to-end analytics for Auto Refinance and Auto Retail Lending, championing best practices and data-driven decisions. | Candidates should have a strong analytical background with 10+ years of experience, including 5+ years in leadership roles. A degree in a quantitative field is required, along with exceptional communication skills. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s Auto Analytics team is central to data-driven decision-making for both our Auto Refinance and Auto Retail Lending (new-purchase) businesses. As Senior Analytics Manager, you will lead and develop a high-performing team, building scalable analytical frameworks and capabilities that unlock insights and accelerate growth across our auto-lending portfolio. Position Location - This role is available in the following locations: Remote, USA; San Mateo, CA; Columbus, OH 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. How you’ll make an impact: Lead and elevate the Auto Analytics team—set a clear vision, recruit top talent, and continually enhance the team’s technical foundations. Own end-to-end analytics for Auto Refinance and Auto Retail Lending, championing best-in-class practices and data-driven decisions across growth & sales, product, pricing, market opportunity assessments, business-intelligence development, and more. Act as a pivotal cross-functional leader, partnering closely with Auto business, Product, Engineering, ML, Finance, Analytics Engineering, and peer analytics teams to turn insights into tangible business impact. What we’re looking for: Minimum requirements: Strong analytical and quantitative background with 10+ years of professional experience, including 5+ years leading, developing, and scaling high-performing analytics or data science teams. Degree in Analytics, Data Science, Economics, Engineering, Mathematics, or another quantitative field. Proven leadership experience in both technical and business domains within data science, analytics, or finance. Exceptional communication skills, with a track record of deriving actionable insights and driving decision makings from complex analyses and balancing rigorous, methodical problem-solving with creative, unstructured approaches. Preferred qualifications: Experience in technology, fintech businesses, or financial services. Auto / consumer lending experience not required but preferred. Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and analytics frameworks to successfully influence and drive C-level decision-making. Proven ability to mentor and coach teams on technical subjects. What you’ll love : Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-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 $182,300—$252,500 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 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