Upstart

As a Senior Software Engineer focused on Site Reliability Tooling, you will implement standards for monitoring and improve incident response practices. Your work will directly impact the success of the SRE team and enhance the reliability of Upstart’s production systems. | Candidates should have a minimum of 6 years of experience in Software Engineering, Site Reliability, or DevOps Engineering. Proficiency in Python, Go, and JavaScript/TypeScript, along with experience in observability and incident management, is 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 Upstart’s Site Reliability Engineering (SRE) team owns the reliability, resiliency, and observability of Upstart’s production systems. The SRE team builds tooling and automation to monitor the health of our infrastructure and create a fast, reliable, and productive environment for other engineers and a world-class experience for our customers. SRE defines Upstart’s strategy for technology operations risk mitigation, which includes disaster planning and on-call procedures. We use data-driven approaches to drive our decisions, and provide reports and insights to the business to improve visibility into the system and customer experience. As a Senior Software Engineer focused on Site Reliability Tooling, your work will directly impact the success of the SRE team and all of Upstart. Your expertise will inform the team’s direction, and your work with other SREs and Upstart engineers will make Upstart’s systems as effective as possible for our customers. SRE at Upstart is ever-changing, and you will be a primary contributor in shaping our future path. How you’ll make an impact: Embody and share SRE principles at Upstart Exercise state-of-the-art SRE practices throughout the company Uphold a culture of visibility, ownership, and responsibility around service reliability Implement standards for monitoring microservices, web apps, mobile apps, databases, Kubernetes clusters, and machine learning platforms, in a fast-paced environment Improve incident response practices, both within SRE and throughout the company Automate away toil that make sense to be automated What we’re looking for: Minimum requirements: Minimum of 6 years combined experience between Software Engineering, Site Reliability, and/or DevOps Engineering including CI/CD, TDD, internal tooling, observability, and other agile development practices Proficiency coding Python, Go, JavaScript/TypeScript Proficiency with Infrastructure as Code (Terraform, CDK, Cloudformation, etc.) Software engineering background with experience building internal tooling from scratch, and other agile development techniques Strong software design & architecture skills Fundamentally sound with data structures & algorithms Experience with on-call and incident management environments Experience with observability, monitoring, and reporting tools (e.g., Datadog, Prometheus, etc.) Experience supporting SaaS software in a microservice-oriented cloud environment Ability to work with multiple teams for enterprise-wide deliverables Data/metrics-driven mindset Preferred qualifications: Experience with service mesh Full Stack development skills Experience building tooling for an observability platform Experience leveraging LLM/GenAI to improve SRE efficiency and processes 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

As a Senior Product Designer, you will shape tools and workflows for lenders and investors, leading research and designing intuitive experiences. Your work will involve translating complex requirements into clear solutions that support partner relationships and capital operations. | Candidates should have 7 or more years of experience in designing digital products, particularly in simplifying complex workflows. A strong portfolio demonstrating end-to-end design thinking and collaboration with cross-functional teams 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 Product Experience team brings together design, research, and content strategy to create cohesive, data-informed, and customer-centered experiences across the borrower and capital sides of our marketplace. We are a growing team building the product experience capability at Upstart, raising the bar on craft, strengthening cross-functional partnership, and shaping how disciplined, insight-driven design contributes to our business outcomes. The role sits within a cross-functional squad led by a Senior Manager overseeing B2B and B2C experiences across Servicing, Capital Marketplace, and Auto Retail. As the Senior Product Designer, Capital Marketplace, you will shape the tools and workflows that help lenders and investors onboard, integrate, deploy capital, and manage their portfolios. You’ll lead research, define strategy, and design intuitive experiences across Capital Implementation, Partner Experience, and Capital Insights. Your work will translate complex financial, operational, and compliance requirements into clear, trustworthy solutions that support strong partner relationships and scalable capital operations. 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. How you’ll make an impact Create user journeys, workflows, prototypes, and polished mockups that define how lenders and investors onboard, integrate, configure portfolios, and manage ongoing capital programs. Lead research, discovery, and usability studies with internal teams and capital partners to understand expectations, pain points, and operational workflows across implementation, program setup, monitoring, and lifecycle management. Translate complex financial, compliance, and operational requirements into intuitive experiences that support origination and loan sale execution, third-party integrations, and partner-facing tools. Partner with product and engineering teams to design lender and investor interfaces that improve partner success, reduce operational burden, and strengthen transparency and trust in the platform. Shape internal tools that streamline deal setup, program configuration, performance reporting, and platform scalability for Capital Insights. Use qualitative and quantitative data to validate design decisions, improve accuracy and comprehension in data-heavy workflows, and increase partner confidence in Upstart’s reporting and intelligence tools. Contribute to a unified design system that supports secure, consistent patterns across capital partner and internal experiences. Produce clear design artifacts that drive alignment across product, engineering, operations, risk, and compliance stakeholders. Minimum Qualifications 7 or more years designing customer-facing or enterprise digital products, with experience simplifying complex workflows and data-dense systems. Demonstrated expertise designing for responsive web and, ideally, native mobile or tablet workflows used in operational environments. Strong portfolio showing end-to-end design thinking grounded in user insight, clarity, and system-level reasoning. Skilled with Figma and research tools such as Usertesting, Maze, or Lookback. Experience collaborating with cross-functional partners in technical, risk, or compliance-driven domains. Strong communicator who can articulate tradeoffs, share work with clarity, and build alignment across engineering, operations, and business teams. Preferred Qualifications Experience designing enterprise or B2B platforms, especially in fintech, capital markets, lending, or other regulated industries. Familiarity with financial reporting, workflow automation, or partner lifecycle management tools. Ability to navigate ambiguity, balance business goals and risk considerations, and design for accuracy, transparency, and trust in high-stakes environments. Depth in accessibility and inclusive design, especially for complex or detail-critical workflows. 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 $162,100—$224,500 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

Lead user engagement strategy to drive retention and repeat usage through cross-functional collaboration and experimentation. | 10+ years product management experience with strong consumer engagement and growth expertise, excellent collaboration, and user-first mindset. | 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 Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart’s credit products, both for the first time and on an ongoing basis. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace. As a Principal Product Manager focused on User Engagement, you’ll lead a core pillar of our Growth strategy – driving user activity, retention, and repeat usage through compelling, value-driven product experiences. You will shape how customers interact with Upstart beyond the initial transaction, building our in-product experience, and touchpoints that deepen trust, promote financial wellness, and ultimately unlock new monetization pathways. In this highly cross-functional role, you'll operate at the intersection of product, design, engineering, data science, and marketing to reimagine how users stay engaged with our platform. You’ll balance bold bets with iterative testing, and combine behavioral insights with product mechanics to build delightful, habit-forming experiences that serve both user needs and business outcomes. How you’ll make an impact Define and deliver the vision for engagement across Upstart’s ecosystem, building experiences across web and mobile that keep users returning and pave the path to upsell and cross-sell. Champion the user journey, crafting intuitive and rewarding experiences that build trust and increase lifetime value. You’ll partner with consumer research, product marketing, and data to ground your work in real-world behaviors and motivations. Drive experimentation at scale, using rapid iteration and clear metrics to test what works. You’ll bring clarity to ambiguity by identifying levers for activation, retention, and repeat engagement, and aligning stakeholders around the most promising paths forward. Lead with influence, collaborating across product lines and teams to stitch together a cohesive experience across our suite of offerings, ensuring engagement efforts ladder up to shared company goals. Balance vision and execution, making strategic trade-offs across short-term optimization and long-term differentiation. You'll help shape a roadmap that prioritizes measurable impact while investing in foundational capabilities for sustained growth. Minimum Qualifications 10+ years of product management experience, with a strong track record driving consumer engagement, growth, or retention for digital products. Deep fluency in product discovery and hypothesis-driven development, including A/B testing, experimentation frameworks, and success metric definition. Exceptional collaboration skills, with a proven ability to align diverse stakeholders - from executive leaders to cross-functional partners - around a shared strategy. A user-first mindset, with the ability to distill complex customer insights into elegant, high-utility product experiences. Strong judgment and prioritization skills, able to identify high-leverage opportunities and navigate trade-offs with confidence and clarity. Preferred Qualifications Experience building consumer products for technology companies, preferably in highly regulated industries (financial services, healthcare, etc.) Proven track record of building and scaling multi-product ecosystems or marketplaces in a B2C environment. Strong customer-centric mindset with the ability to translate customer insights into actionable product features and enhancements. 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 $187,900—$260,000 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

Design and implement personalized offer recommendation features and optimize growth strategies through data-driven experimentation and collaboration with cross-functional teams. | Bachelor's degree, 5+ years full stack software development experience, product team experience, and microservices development; preferred experience with Ruby on Rails, Kotlin, or React. | 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 Offer Delivery Team is focused on driving growth by deepening relationships with our existing customers. Our vision is to give users continuous access to credit and keep them engaged with relevant, timely offers that enhance their financial journey throughout their experience with Upstart. As a Software Engineer at Upstart, you will play a role in shaping how we drive growth and engagement through intelligent targeting, seamless offer presentation, and strategic product recommendations. You’ll be responsible for enhancing our logged in user dashboard, optimizing out-of-funnel cross-sell strategies, and advancing our efforts by improving data collection, pricing orchestration, and personalized offer experiences. Your work will directly contribute to increasing customer lifetime value and helping more people access the right financial products at the right time. How you’ll make an impact Design and implement features that support intelligent, personalized offer recommendations to our user base Work with Product Managers, Product Designers, Research Scientists, and Marketing Managers to design and deliver high-quality products Leverage experimentation and data-driven insights to refine growth strategies, optimizing engagement and conversion through continuous testing, iteration, and personalization. Promote a culture of technical excellence focused on providing high quality solutions and incrementally enhance systems with each pull request. .Minimum Qualifications Bachelor's degree in Computer Science, Engineering, or a related field 5+ years of experience in software development with the ability to operate in a full stack capacity Experience in product oriented teams with quantifiable customer impact Experience designing, developing, and deploying scalable microservices-based applications Preferred Qualifications Master’s degree in Computer Science, Engineering, or a related field Experience with growth engineering product stacks (Optimizations, Experimentation, Personalization, Recommendation Systems, etc) Experience with Ruby on Rails, Kotlin, or React 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 USD 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 strategic legal counsel and leadership for product and regulatory matters related to consumer lending products, managing a legal team and collaborating cross-functionally. | JD degree, 10+ years legal experience including 5+ years in marketing and consumer loan origination, deep knowledge of consumer finance laws, strong 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 Role: As the Assistant General Counsel, Product & Regulatory Legal you will play a key role in providing legal guidance in supporting Upstart’s product and marketing initiatives, as well as in developing new products and features to serve the personal loan, open line of credit, small dollar loan and auto refinance market. How you’ll make an impact: Strategic Legal Leadership & Team Management Lead and develop a team of attorneys and legal professionals within the Product & Regulatory Legal Team, fostering a culture of accountability, collaboration and professional growth Serve as the primary legal advisor for origination-related matters, guiding the product and marketing teams through complex legal and regulatory considerations Act as a key escalation point for the legal team, ensuring issues are efficiently triaged and resolved, and provide timely, business-oriented recommendations Product & Regulatory Counsel Provide strategic legal counsel on product development, marketing, and customer onboarding for personal loan, small dollar loan, open line of credit, and auto refinance products offered through Upstart’s bank partnership platform Conduct and oversee legal research and analysis on federal and state consumer finance laws, developing practical requirements documentation and compliant marketing and origination frameworks Monitor industry trends, regulatory changes, and enforcement developments to proactively advise business leaders on risk and opportunity areas Cross-Functional Partnership Partner with Product, Growth, Risk, and Compliance to design compliant and customer-friendly financial products and online experiences Collaborate across legal teams—including lawyers supporting Privacy, Fair Lending, Capital Markets, and Commercial areas—to support enterprise-wide initiatives Build and maintain trusted relationships with internal stakeholders, influencing product and marketing strategies with sound, business-oriented legal guidance Legal Risk Identification and Management Advise on disputes and issues escalated from the Compliance team, particularly those related to marketing or loan origination practices Identify and communicate key legal risks to business partners; ability to distill complex legal matters and risks for senior leadership in a clear and actionable manner, synthesizing complex concepts into concise recommendations Minimum Qualifications J.D. degree with superior academic credentials and a state bar membership; At least 10+ years of experience in a top-tier law firm, government, in-house legal department, and/or fintech/startup experience with at least 5 years focused on in marketing and consumer loan origination; In-depth knowledge of federal and state open and closed end consumer lending and consumer protection laws, including FCRA, TILA, ECOA, GLBA, UDAAP, EFTA, ESIGN, FDCPA, bankruptcy, AML/BSA, and servicing/debt collection laws; Experience with marketing, bank partnership programs, personal loans, small dollar lending, auto refinance loans, and open lines of credits; and Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice involving competing interests. Preferred Qualifications Experience with use of AI in providing solid legal advice and developing team efficiencies Experience with loan servicing and debt collection, data privacy and security, and auto retail lending/retail installment sales contracts; Vendor management and vendor contract negotiation experience; and State licensing and exam experience. Position location This role is available in the following locations: Remote, San Mateo, CA, and Columbus, OH 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-Director --> use for L7 #LI-Executive --> use for L8+ 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 $227,600—$315,000 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

Lead and scale cloud platform engineering teams, define platform strategy, and oversee cloud cost efficiency initiatives. | Minimum 5+ years in engineering leadership, 7+ years in cloud-native infrastructure, expertise in Kubernetes, cloud networking, and IaC tools. | 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 Cloud Platform organization provides the foundational infrastructure that powers Upstart’s engineering teams. Within this organization, the Compute and Infrastructure teams enable scale, reliability, cost-efficiency, and developer velocity across our cloud ecosystem. The Compute team owns our Kubernetes-based compute platform, ensuring it is performant, resilient, and easy to use. They focus on enabling scalable infrastructure patterns and self-service capabilities for product teams. The Infrastructure team manages our cloud architecture and platform tooling, maintaining Infrastructure-as-Code standards, automating pipelines, and designing secure, observable, and future-proof systems. Their charter spans network architecture (e.g., VPCs, service mesh, SaaS integrations) and reusable platform patterns (e.g., AWS CDK, Backstage, CI/CD). Together, these teams are building the next generation of Upstart’s internal cloud platform, secure by default, scalable by design, and built for developer experience. The Role This role leads both the Compute and Infrastructure teams within the Cloud Platform organization. You’ll define and execute the technical and organizational strategy for Upstart’s internal platform, balancing scale, simplicity, and developer empowerment. You’ll also oversee our cloud cost efficiency program, ensuring infrastructure investments are measurable and aligned with company priorities. This is a high-impact leadership opportunity with broad visibility across engineering. You’ll help shape core platform capabilities, reduce complexity for product teams, and invest in growing a strong, inclusive team culture. How You'll Make an Impact Lead and scale two high-impact platform engineering teams. Compute and Infrastructure within the Cloud Platform organization. Define and execute a cohesive strategy for Upstart’s multi-cluster, cross-region compute and infrastructure platforms that prioritizes simplicity, performance, security, and scale. Partner with engineering and product leaders to deeply understand developer needs and drive platform improvements that boost development velocity. Shape platform abstractions that streamline compute scaling, infrastructure provisioning, and network management for engineering teams. Champion automation, observability, and platform ownership across both teams. Lead Upstart’s cloud cost efficiency initiatives, including workload optimization and governance practices. Invest in your team’s growth through mentorship, clear expectations, and opportunities for technical and leadership development. Contribute to the evolution of our Cloud Platform vision by applying first-principles thinking to complex technical and organizational challenges. Minimum Qualifications 5+ years of engineering leadership experience, including managing managers or overseeing multiple technical domains. 7+ years of hands-on experience building and operating distributed systems or infrastructure in a cloud-native environment. Proven ability to lead multiple technical domains (e.g., compute, networking, automation) under a unified platform strategy. Strong technical judgment with the ability to define clear charters and structure teams for speed, clarity, and cross-functional alignment. Demonstrated success in hiring, mentoring, and retaining top engineering talent while fostering an inclusive and high-performing culture. Preferred Qualifications Deep expertise in Kubernetes, cloud networking, service meshes (e.g., Istio or Linkerd), and Infrastructure-as-Code tools like CDK or Terraform. Experience architecting AWS-native solutions, including VPC design, IAM, and multi-account strategies. History of delivering platform capabilities that measurably improved developer experience and operational efficiency. Strong background in infrastructure automation, observability, and platform reliability best practices. Experience building internal developer platforms, libraries, or CI/CD pipelines that abstract cloud complexity (e.g., via Backstage). Experience managing cloud vendor spend, cost attribution, and optimization across a large organization. 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 $186,100—$257,500 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

Develop and maintain full stack web applications with a focus on quality, testability, resiliency, and user experience, collaborating cross-functionally and contributing to architectural decisions. | 7+ years professional experience building scalable consumer-facing web products, strong communication skills, mentoring experience, and preferably experience with Ruby on Rails, React, AWS, Docker, CI/CD, and AI/ML integration. | 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 Onboarding Experience team is dedicated to creating a seamless loan application process that allows customers to quickly and easily complete all steps required to fund their loan. By building exceptional, customer-centric experiences for both Upstart borrowers and internal Operations teams, this team plays a crucial role in making Upstart the premier destination for consumer credit. This team focuses on our flagship product, Personal Loans, and directly impacts our growth in this business by reducing friction for applicants and improving the efficiency of our operations. As a Senior Software Engineer at Upstart on the Onboarding Experience team, you will work across the whole stack, partnering with Engineering, Product, Operations and other internal teams on both existing and greenfield projects. You’ll deliver work with a focus on quality, testability, resiliency, extensibility, and maintainability while always keeping our end users in mind. How you’ll make an impact Work within all areas of the platform or product, from our web interfaces and 3rd party API integrations, to backend business logic Move quickly to drive existing and greenfield projects forward, while always keeping our end users in mind Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base Help us build our engineering team, and make Upstart a genuinely awesome place to work Communicate closely with cross-functional partners, keeping all stakeholders informed Minimum Qualifications 7+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders Exhibit a growth mindset - you’re comfortable with the uncomfortable, and are not afraid to pick up new technologies that are best for the task, and seek out opportunities to learn from others Excellent written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback Preferred Qualifications Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred) and Docker, GitHub Actions, utilizing CI/CD technologies including infrastructure as code Experience integrating and working with AI/ML models and understanding their capabilities, particularly for financial use cases Experience in the customer support tech domain (e.g., contact center platforms, customer engagement solutions, or conversational AI systems) You thrive in environments where you are expected to think like an owner and make decisions like one Passion for improving user experience through best practices and metrics-driven development We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin. 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 $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

As a Software Engineer, you will design and build borrower-facing flows that improve conversion and reduce operational touchpoints. You will own features across the full stack and collaborate cross-functionally to optimize the borrower journey. | The position requires 4+ years of experience in full-stack web application development and proficiency in Kotlin or Ruby on Rails. Familiarity with additional programming languages and experience with various technologies such as React and AWS is also necessary. | 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 Verifications – PL Applicant Experience team is focused on modernizing the borrower journey end-to-end. The team reduces friction, automates verifications, and enables dynamic decisioning while ensuring fraud prevention and credit risk mitigation. We partner closely with Product, ML, and Platform teams to deliver a seamless and transparent experience for borrowers. As a Software Engineer on the PL Applicant Experience team, you will design and build borrower-facing flows that improve conversion, reduce operational touchpoints, and scale verifications across Upstart products. You’ll own features across the full stack, collaborate cross-functionally to optimize the borrower journey, and contribute to building our next-generation decisioning and automation platform. How you’ll make an impact Build and own borrower-facing verification flows end-to-end across frontend and backend. Minimize fraud losses to Upstart through better data and ML models Drive automation to reduce manual reviews, strengthen fraud defenses, and improve borrower satisfaction. Improve UI experience for operations teams and applicants Collaborate with ML and data teams to enable dynamic repricing, risk insights, and continuous decisioning. Design scalable services in a distributed service architecture Minimum Qualifications 4+ years of experience developing full-stack web applications professionally. Proficiency in Kotlin or Ruby on Rails, plus familiarity with at least one additional programming language. Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture. Solid grasp of software development principles and best practices for building scalable, maintainable systems. Proven ability to analyze and solve complex technical problems effectively. Preferred Qualifications Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture. Knowledge of KYC/verification vendors (Socure, Plaid, OCR) and integrating sensitive data services. Strong sense of ownership and accountability for delivering high-quality features on time. Ability to thrive in both independent and collaborative settings, contributing positively to team dynamics. Demonstrated ability to take and incorporate feedback, with a continuous improvement mindset. Travel requirements: As a digital first company, the majority of your work can be accomplished remotely. But our team still has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, Austin, or San Mateo). 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 At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,000 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

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 product vision and roadmap for an AI financial advisor, collaborate with engineering and design, ensure compliance, and drive product strategy from inception to scale. | 4+ years product management experience with enterprise clients, strong analytical and communication skills, ownership mindset, and preferably 0-1 product experience with AI/LLM and finance domain knowledge. | 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 the Principal PM, Intelligent Finance at Upstart, you will lead Upstart in forging a path combining a new technology-agentic AI - with a core part of our mission: helping people make choices that make them more likely to achieve their financial goals. This is a net new product, so you’ll be founding this team in close partnership with a couple of our senior leaders. How you’ll make an impact Define and drive the product vision for an AI financial advisor that ingests complex financial data and delivers personalized, actionable guidance. Partner with engineering and design to prototype, test, and launch agentic AI features that make financial recommendations. Translate messy user inputs and 3p data into simple, coherent inputs for the advisor to consistently gather and work from. Establish the product strategy and roadmap from zero-to-one, making foundational decisions that shape how the product scales. Collaborate with compliance, risk, and business stakeholders to ensure solutions are both innovative and responsible. Act as the connective tissue across disciplines, unblocking challenges and ensuring speed without sacrificing quality or trust. Minimum Qualifications 4+ years of product management experience on a fast-moving team with medium+ enterprise clients. Demonstrated success in driving business outcomes through a balance of quant metrics and qual understanding. You’re clever and enterprising when it comes to having the minimum data necessary to make an informed decision. Your risk tolerance is well honed. Strong product sense. You have independently authored and executed on a multi-quarter roadmap, and have been around to see the consequences (good and bad) of your decisions. Rigorous and analytical problem solving; well structured, concise, and highly effective communication. Ownership and growth mindset. You act like an owner. You’re often right, but humble and open minded about being wrong. You’re perpetually dissatisfied and striving to improve yourself and the team. Preferred Qualifications Prior 0-1 experience, preferably as a founder / product lead. Experience with b2c retention. Aptitude for and interest in credit and personal finance economic concepts. Demonstrated mission orientation (any mission!), and outsized results to match. Experience within GenAI/LLM 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 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 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

As a Senior DevOps Engineer, you will architect, build, automate, and scale tools for product engineers. You will define and implement Kubernetes-based Ephemeral Infrastructure to support development and testing. | Candidates should have 5+ years of experience in a DevOps/SRE role and hands-on experience with Kubernetes in production. Proficiency in Golang and strong AWS services experience 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: Upstart’s EPA (Environment Provisioning Agency) & Quality team is focused on building and maintaining critical supporting tooling for our AI lending products. We create developer-friendly solutions that enable our product teams to rapidly deploy and iterate. We partner closely with engineers across the company, ensuring our solutions are reliable at scale while staying simple and intuitive to use. As a Sr. DevOps Engineer at Upstart, you will help architect, build, automate and scale the tools used by product engineers to perform their pre-production development and testing. You will be instrumental in defining and implementing our Kubernetes-based “Ephemeral Infrastructure” and help us realize our data-driven mission of affordable credit. How you’ll make an impact Define and build the next generation of Upstart’s Ephemeral infrastructure Partner with XCUT teams to ensure all tools integrate seamlessly into Ephemeral Environments Drive major improvements in tooling and infrastructure alongside your teammates Enable product engineers to rapidly spin up fully functional environments for development, preproduction testing, pen-testing, lending partner demos, and other special use cases Evangelize Ephemeral tooling by delivering best-in-class documentation and processes Minimum Qualifications 5+ years of experience in a DevOps/SRE role 5+ years of deep, hands-on experience designing, deploying, and operating Kubernetes in production Proficiency and experience with Golang Strong experience with AWS services (EC2, S3, EKS) in production environments Expertise in Linux systems: architecture, administration, troubleshooting, and operations Preferred Qualifications Certified Kubernetes Administrator/Architect (CKA/CKAD) or equivalent certification Proven ability to inspire collaboration and stay engaged on a fully remote team Experience designing and building Kubernetes operators Strong CI/CD skills, including building pipelines with automated test coverage Broad DevOps expertise across scripting, IaC, automation, configuration management, and container orchestration Hands-on experience with tools like Kubernetes, ArgoCD, Artifactory, Harness, or similar platforms Position location This role is available in the following locations: Remote-United States 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 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

As a Senior Software Engineer, you will design, develop, and optimize secure authentication and authorization systems. You will collaborate with cross-functional teams to enhance Identity and Access Management capabilities and improve platform scalability. | Candidates should have 7+ years of experience in developing large-scale distributed systems and strong proficiency in backend technologies. Hands-on experience with authentication and authorization protocols and a passion for clean code and architecture are 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: At Upstart, the Identity Platform Team plays a pivotal role in shaping the security and accessibility of our cutting-edge lending products, including Personal Loans, Auto Loans, and Home Loans. We are responsible for creating, securing, and managing borrower and partner identities, ensuring a seamless and secure experience at every touchpoint.As part of our team, you’ll work on the Authentication and Authorization Platform, driving both backend security and frontend user experiences. Our mission is to enable frictionless, secure authentication while safeguarding sensitive data from unauthorized access.If you’re passionate about building scalable security solutions and delivering intuitive user experiences, come be a part of a team that makes financial access more accessible, safer, smarter, and seamless for everyone! As a Senior Software Engineer on Upstart’s Identity Platform Team, you’ll play a critical role in building and securing our authentication and authorization systems. You will be responsible for ensuring that borrowers and partners experience a seamless, secure, and scalable identity framework across our lending products, including Personal Loans, Auto Loans, and Home Loans.You’ll work closely with vertical Engineering, Product, and Security teams to develop solutions that enhance security, improve authentication flows, and drive innovation in Identity and Access Management (IAM). This role is ideal for someone who enjoys solving complex technical challenges, values clean and scalable architecture, and is eager to make a significant impact on a high-visibility platform. How you’ll make an impact Design, develop, and optimize secure and scalable authentication and authorization systems. Collaborate with cross-functional teams to improve Identity and Access Management (IAM) capabilities, including OAuth, OpenID Connect, MFA, and SSO. Partner with Security teams to enhance security policies and standards, ensuring protection against threats and unauthorized access. Improve platform scalability by designing and implementing microservice based architectures. Drive best engineering practices for clean, maintainable, and efficient code. Participate in architectural discussions, helping to shape the long-term vision of Identity Platform. Mentor and collaborate with other engineers to elevate the team’s technical skills and knowledge. Work on high impact initiatives that solve for making credit accessible to everyone. Minimum Qualifications 7+ years of experience developing large-scale distributed systems in the cloud (AWS, GCP, or Azure). Strong proficiency in backend technologies (e.g., Kotlin, Java, Ruby, C#). Hands-on experience with authentication and authorization protocols (OAuth 2.0, OpenID Connect, SAML). Experience building scalable APIs using containerization technologies like Docker and Kubernetes. Understanding of security principles, including encryption, token-based authentication, and identity federation. Strong problem-solving and debugging skills, with an emphasis on performance optimization. Ability to balance the needs of the business with engineering best practices and security considerations. Passion for clean code, architecture, and continuous improvement of engineering processes. Experience with AI Coding tools such as Cursor, Claude Code etc. Excellent communication skills – able to translate complex technical concepts for a variety of stakeholders. Preferred Qualifications Experience working with IAM platforms and security services. Knowledge of A/B testing, gRPC, and DevOps practices. Experience with Keycloak, NextJS, and Ruby is a plus. Proven ability to influence technical direction without direct authority. Strong product and analytical mindset, capable of making trade-offs between risk, ROI, and performance. Experience working at companies experiencing rapid growth and scaling challenges. Strong sense of ownership and accountability for the quality and timely delivery of work Ability to influence and lead without direct authority 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 on-sites. 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 on-sites, 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 $215,100—$237,700 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

Design and develop scalable, high-performance services for real-time loan pricing, collaborate with cross-functional teams, mentor engineers, and improve platform reliability and developer experience. | 5+ years professional software development, proficiency in Python/Kotlin/Go or similar, experience with scalable APIs and microservices on cloud (AWS/GCP), strong problem-solving and communication skills, mentoring experience, and ability to work in fast-paced environments. | 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 Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams. You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions. As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform. How You’ll Make an Impact Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products. Collaborate with data scientists and product managers to translate business goals into robust technical solutions. Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs. Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence. Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring. Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience. What We're Looking For Minimum Qualifications 5+ years of professional software development experience building scalable public or consumer-facing products. High level of proficiency coding in production with Python, Kotlin, Go, or languages with similar syntax. Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments. Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP). Strong problem-solving skills with an emphasis on scalability, performance, and system reliability. Excellent communication skills, able to explain complex technical topics to both technical and non-technical audiences. Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team. Exhibits a bias for action and comfort navigating ambiguity while driving towards impactful outcomes. Preferred Qualifications Background in finance / fintech, financial mathematics, statistics, or machine learning. History of thriving in diverse work environments: both collaborative and self-directed; remote and in-person. Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus). Recognized as a subject matter expert or technical owner for a critical domain, with a passion for sharing knowledge and best practices. Active contributor to the tech community through open source, technical talks, or mentorship. 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

Define and execute product strategy for loan servicing and collections, partner with operations and design to improve borrower experience, leverage data insights to optimize product outcomes, and manage vendor relationships. | 6+ years in product management with consumer and operational tools, strong analytical and communication skills, ownership mindset, preferably fintech or credit servicing experience, and familiarity with AI-driven UX and vendor integrations. | 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 Servicing team is responsible for the entire customer journey after a loan is funded. We ensure that borrowers stay on track with payments, help them when they struggle to pay, and drive collections and recoveries when they are unable to pay. We do this through a combination of borrower-facing tools, customer support agents, and AI-agents, powered by Upstart’s ML-driven decision making. We deliver better financial outcomes for borrowers, and business outcomes for Upstart. As the Principal Product Manager for Servicing at Upstart, you will design more intelligent and efficient tools and systems for recovering funds in cases when borrowers are unable to repay their loans (charge-offs), across all Upstart loan products. You will also define the strategy for how we service one of Upstart’s most promising new products - auto loans. You’ll partner with Operations to establish the technology and processes for collections and recoveries when borrowers become delinquent , balancing customer empathy with Upstart’s business goals. How you’ll make an impact: Define the strategy for Auto loan collections and recoveries, in partnership with Operations leadership Deeply understand the delinquent borrowers, in collaboration with design, to deliver products that solve real human problems. Establish and track success metrics to assess the impact of product and operations initiatives, ensuring continuous improvement and concrete business impact. Leverage data-driven insights to make informed product decisions, identifying opportunities for optimization and testing hypotheses to improve key metrics. Make smart trade-offs to inform the ongoing product roadmap, prioritizing the features with the highest ROI and experimenting when necessary. Develop vendor partnerships that align with the overall business strategy Minimum Qualifications: 6+ years experience in a product management role building both consumer-facing products and internal operational tools Demonstrated success in driving business outcomes through a balance of quantitative metrics and qualitative understanding. You’re clever and enterprising when it comes to having the minimum data necessary to make an informed decision. Your risk tolerance is well honed. Strong product sense. You have independently authored and executed on a multi-quarter roadmap, and have been around to see the consequences (good and bad) of your decisions. Rigorous and analytical problem solving; well structured, concise, and highly effective communication. Ownership and growth mindset. You act like an owner. You’re often right, but humble and open minded about being wrong. You’re perpetually dissatisfied and striving to improve yourself and the team Preferred Qualifications: Experience building products in fintech, credit servicing, or customer support environments Familiarity with voice, chat, or AI-driven multi-modal UX Aptitude for and interest in credit and personal finance economic concepts Experience building products with third-party vendor integrations Demonstrated and expressed mission orientation, and outsized results that match your passion 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 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 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

Architect scalable backend systems for mobile features and shape the long-term backend strategy for mobile. Mentor engineers and drive architectural alignment across teams to enhance mobile engagement and retention. | Candidates should have 6+ years of backend engineering experience and deep knowledge of service-oriented architecture and API development. Strong communication skills and the ability to influence technical direction are 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 Mobile team is in the midst of a transformation—from a scrappy, embedded model into a world-class, scalable engineering platform. As we expand our iOS app and launch Android, our need for dedicated backend expertise has never been greater. You’ll be the first backend engineer embedded within the mobile team, working alongside React Native developers and product partners to shape foundational systems for engagement, messaging, and performance. This is a highly influential role with the opportunity to define backend architecture in support of Upstart’s mobile-first evolution. How you’ll make an impact: Architect scalable, reusable backend systems that power critical mobile features, including push notifications, data synchronization, and cross-device user flows Shape the long-term backend strategy for mobile, reducing ad-hoc and duplicated efforts across teams Act as a technical bridge—translating mobile needs into backend capabilities and unblocking delivery velocity Drive architectural alignment across teams and domains, advocating for scalable patterns that support mobile growth Identify and resolve cross-functional technical challenges that span platform, product, and infrastructure boundaries Mentor engineers across mobile and backend teams, introducing sustainable practices and improving system maintainability Contribute directly to Upstart’s ability to scale its mobile engagement and retention—impacting both user experience and business performance What we’re looking for: Minimum requirements: 6+ years of backend engineering experience, including designing and scaling distributed systems Deep experience with service-oriented architecture, system design, and API development for mobile applications Proven ability to influence technical direction across teams and communicate architectural tradeoffs to stakeholders Experience collaborating with mobile teams or supporting mobile-first features at scale Strong communication and collaboration skills, especially in environments with competing priorities Proficiency in at least one backend language (e.g., Ruby, Go, Kotlin) and fluency in cloud infrastructure patterns Demonstrated success operating without authority in complex, cross-functional organizations Preferred qualifications: Prior experience building systems that support mobile clients (e.g., push notifications, offline sync, background jobs) Experience working in a hybrid mobile architecture (e.g., React Native + native codebases) Exposure to both platform and product engineering challenges Familiarity with mobile-specific performance and reliability concerns Background in mentorship or technical leadership across multiple teams Passion for designing elegant, sustainable systems that scale with product ambition 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 --> 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 $186,100—$257,500 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

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

The Senior Software Engineer will focus on site reliability tooling to enhance system performance and reliability. This role involves developing and maintaining tools that support site reliability engineering practices. | Candidates should have extensive experience in software engineering and a strong understanding of site reliability principles. Proficiency in relevant programming languages and tools 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 Site Reliability Engineering (SRE) team owns the reliability, resiliency, and observability of Upstart’s production systems. The SRE team builds tooling and automation to monitor the health of our infrastructure and create a fast, reliable, and productive environment for other engineers and a world-class experience for our customers. SRE defines Upstart’s strategy for technology operations risk mitigation, which includes disaster planning and on-call procedures. We use data-driven approaches to drive our decisions, and provide reports and insights to the business to improve visibility into the system and customer experience. As a Senior Software Engineer focused on Site Reliability Tooling your work will directly impact the success of the SRE team and all of Upstart. Your expertise will inform the team’s direction, and your work with other SREs and Upstart engineers will make Upstart’s systems as effective as possible for our customers. SRE at Upstart is ever-changing, and you will be a primary contributor in shaping our future path. How you’ll make an impact: Embody and share SRE principles at Upstart Exercise state-of-the-art SRE practices throughout the company Uphold a culture of visibility, ownership, and responsibility around service reliability Implement standards for monitoring microservices, web apps, mobile apps, databases, Kubernetes clusters, and machine learning platforms, in a fast-paced environment Improve incident response practices, both within SRE and throughout the company Automate away toil that make sense to be automated What we’re looking for: Minimum requirements: Minimum of 6 years combined experience between Software Engineering, Site Reliability, and/or DevOps Engineering including CI/CD, TDD, internal tooling, observability, and other agile development practices Proficiency coding Python, Go, JavaScript/TypeScript Proficiency with Infrastructure as Code (Terraform, CDK, Cloudformation, etc.) Software engineering background with experience building internal tooling from scratch, and other agile development techniques Strong software design & architecture skills Fundamentally sound with data structures & algorithms Experience with on-call and incident management environments Experience with observability, monitoring, and reporting tools (e.g., Datadog, Prometheus, etc.) Experience supporting SaaS software in a microservice-oriented cloud environment Ability to work with multiple teams for enterprise-wide deliverables Data/metrics-driven mindset Preferred qualifications: Experience with service mesh Full Stack development skills Experience building tooling for an observability platform Experience leveraging LLM/GenAI to improve SRE efficiency and processes 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