Upstart

Design and build user-facing ML features using LLMs, and own the architecture of ML systems. | 6+ years of software engineering experience, 2+ years on ML products, backend skills in Python, experience with ML models in production, and collaboration skills. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s new Applied LLM team is building foundational infrastructure that democratizes access to generative AI for every product and engineering team across the company. This is a cross-functional team at the intersection of machine learning, product, and engineering. Our mission is to bring the power of ML - particularly large language models (LLMs) and generative AI - to life in Upstart’s core products. As a Staff Applied Machine Learning Engineer focused on building LLM applications, you'll work closely with researchers, product managers, platform engineers, and designers to ship intelligent features that elevate the user experience and expand the capabilities of our systems. Position Location - This role is available in the following locations: San Mateo, Columbus, Austin, Remote Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3-4 days per Quarter at one of our offices. If you need to travel to make these meetups, Upstart will cover all travel related expenses. How you’ll make an impact: Design and build user-facing ML features that harness LLMs and generative AI to unlock new product capabilities Partner with product, design, and ML research to prototype and deliver high-impact, ML-powered experiences Own the technical architecture and implementation strategy for applied ML systems - balancing latency, observability, and iteration speed Build scalable services and APIs that bring model outputs to users in trustworthy and intuitive ways Collaborate across platform, infra, and legal/compliance teams to ensure ML deployments meet standards for safety, fairness, and performance Establish and evangelize best practices for prompt design, model evaluation, and experimentation across the org What we’re looking for: Minimum qualifications: 6+ years of software engineering experience, with 2+ years working directly on ML-driven products or intelligent systems Proven ability to lead complex initiatives across engineering, product, and research stakeholders Strong backend development skills (e.g., Python with FastAPI or Flask), plus experience with cloud-native tooling (e.g., Kubernetes, Docker, Terraform) Experience integrating LLMs or ML models into production systems, including APIs and user-facing applications Excellent communication skills and a collaborative, product-minded approach Ability to think rigorously about system design, latency tradeoffs, and user impact when working with ML features Preferred qualifications: Experience shipping GenAI or LLM-powered features using frameworks like LangChain, LlamaIndex, or OpenAI APIs Familiarity with retrieval-augmented generation (RAG), vector search (e.g., FAISS, Pinecone), and real-time inference patterns Proficiency in full-stack development, including front-end work with React or similar frameworks Strong intuition for prompt engineering, model testing, and evaluation methodologies Experience navigating complex requirements around explainability, user trust, or compliance in ML applications Track record of influencing architecture or product direction at a team or org level 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 $178,400—$246,800 USD Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Engaging dealerships to demonstrate AI-driven credit decisioning, building relationships with key stakeholders, and exceeding sales targets. | Over 5 years of full-cycle sales experience, understanding of dealership operations, and ability to sell to executive stakeholders in a B2B SaaS or automotive technology 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; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart Auto Finance is reimagining how dealers structure, approve, and fund auto loans. Our mission is to bring modern technology, AI-driven credit decisioning, and seamless digital workflows to every dealership in America; helping dealers sell more cars, hold more gross, and fund faster. We believe that buying a car should feel as intuitive as shopping online, with the power of AI lending driving faster approvals, better customer experiences, and stronger dealer profitability. Think of it as the best of: Apple’s elegant customer experience Amazon’s frictionless operations Upstart’s industry-leading AI lending platform, all working together to modernize the auto finance process We’re expanding our reach in the retail and finance ecosystem, bringing Upstart’s proven AI credit decisioning to dealerships through Upstart Auto Finance (UAF), a first-look lending solution designed to streamline approvals, reduce friction, and unlock profit opportunities dealers didn’t think were possible. As an Account Executive on the Upstart Auto Finance Sales team, you’ll be responsible for introducing UAF to dealerships in your territory and driving new partnerships from first conversation through signed agreement. You’ll act as a consultant, helping dealers understand how AI-driven credit decisioning can improve their approval rates, funding speed, and profitability, while simplifying their operations. You’ll collaborate with internal teams like, Implementation, Dealer Launch, and Dealer Success, to ensure a smooth handoff and successful launch. This is a fast-paced, high-impact role where performance, discipline, and execution drive measurable growth. How you’ll make an impact Engage with dealerships in your assigned territory to introduce Upstart Auto Finance and demonstrate how AI-powered decisioning drives better approval outcomes and faster funding. Build and manage relationships with Dealer Principals, GMs, and F&I Directors, aligning UAF’s value to their front-end and back-end profit goals. Lead product demonstrations and discovery discussions that uncover dealer pain points — funding delays, approval gaps, and margin compression, and connect them to UAF’s unique value. Collaborate with your downstream partners to ensure a seamless transition from signed dealer to active, funded partner. Consistently exceed monthly and quarterly growth targets by maintaining a strong, consultative pipeline. Identify expansion opportunities within existing dealer groups, championing UAF across rooftops and brands. Minimum Qualifications 5+ years of full-cycle sales experience with a leading auto dealership technology provider, lender, or B2B SaaS platform Proven ability to meet and exceed aggressive rooftop and adoption targets Strong understanding of dealership operations, particularly F&I, credit decisioning, and funding workflows Experience selling both in-person and remotely to executive-level dealership stakeholders (Dealer Principal, GM, GSM, F&I Director) Exceptional communication, discovery, and presentation skills - able to simplify complex ideas for diverse audiences This person must be based in California Preferred Qualifications Demonstrated success working cross-functionally with Dealer Success, Implementation, and Product teams to ensure dealer satisfaction and performance post-launch Experience leveraging AI or data-driven technology solutions to improve business outcomes in the automotive or fintech space Skilled at managing extended teams, including, DSM/DRMs, and support teams — to ensure a consistent dealer experience A consultative selling style with strong discovery instincts, the ability to identify quantifiable pain, and a track record of turning insights into action Position location This role is available in the following locations: California 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-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 $93,700—$129,800 USD Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Design and develop features for event-driven architectures, collaborate across teams, and mentor junior engineers. | Bachelor's in Computer Science or related field, 5+ years of experience, proficiency in TypeScript/JavaScript, experience with observability, testing, and possibly Kafka or gRPC. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s Event Bus, Experimentation, and gRPC team is responsible for building frameworks and tooling to support Event Driven Architectures, safe and measurable roll out of new features, and efficient service to service communication. We do this by owning the build process and libraries for the four primarily supported languages at Upstart (Ruby, Kotlin, Python, and TypeScript). These platform products allow Upstart engineers to use them in a simple and secure way. Ease of use, performance, data quality, observability, and security are our guiding principles. As a Senior Software Engineer on Upstart’s Event Bus, Experimentation, and gRPC team, you are empowered to design and implement high impact, cross cutting solutions that touch nearly every service within Upstart. We are a small and high impacting team contributing to Upstart’s North Star Architecture and need a product-oriented engineer who is excited to contribute across Event Bus, Experimentation, and gRPC internal tooling. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. This team also has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, OH, Austin, TX or San Mateo, CA). If you need to travel to make these meetups, Upstart will cover all travel related expenses. How you’ll make an impact: Lead the design and development of new features and improvements to existing features. Collaborate with cross-functional teams to understand requirements and bring those insights into building an impactful roadmap for the team Establish best practices for achieving an Event Driven Architecture, safe feature rollout, and service to service, API design. Mentor junior engineers and promote a culture of technical excellence Contribute to quality improvements within our team and the engineering organization in a meaningful way What we’re looking for: Minimum Qualifications Bachelor’s or Master’s degree in Computer Science or related field 5+ years of professional experience Strong communication skills and ability to collaborate effectively with cross-functional teams. Strong proficiency in one or more of Kotlin, Java, Python, Ruby, or Typescript programming languages Proficiency in automated testing patterns Experience in building highly observable systems Preferred Qualifications Experience with Kotlin, Python, Ruby, or Typescript Experience with Kafka Experience with gRPC Experience with A/B testing and/or Feature Flagging Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic. 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 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. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Designing and developing scalable, high-performance software solutions with a focus on event-driven architectures and cross-team collaboration. | 5+ years of software engineering experience, proficiency in TypeScript and Node.js, experience with APIs, cloud services, and automated testing. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s Event Bus, Experimentation, and gRPC team is responsible for building frameworks and tooling to support Event Driven Architectures, safe and measurable roll out of new features, and efficient service to service communication. We do this by owning the build process and libraries for the four primarily supported languages at Upstart (Ruby, Kotlin, Python, and TypeScript). These platform products allow Upstart engineers to use them in a simple and secure way. Ease of use, performance, data quality, observability, and security are our guiding principles. As a Senior Software Engineer on Upstart’s Event Bus, Experimentation, and gRPC team, you are empowered to design and implement high impact, cross cutting solutions that touch nearly every service within Upstart. We are a small and high impacting team contributing to Upstart’s North Star Architecture and need a product-oriented engineer who is excited to contribute across Event Bus, Experimentation, and gRPC internal tooling. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - As a digital first company, the majority of your work can be accomplished remotely. This team also has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, OH, Austin, TX or San Mateo, CA). If you need to travel to make these meetups, Upstart will cover all travel related expenses. How you’ll make an impact: • Lead the design and development of new features and improvements to existing features. • Collaborate with cross-functional teams to understand requirements and bring those insights into building an impactful roadmap for the team • Establish best practices for achieving an Event Driven Architecture, safe feature rollout, and service to service, API design. • Mentor junior engineers and promote a culture of technical excellence • Contribute to quality improvements within our team and the engineering organization in a meaningful way What we’re looking for: Minimum Qualifications • Bachelor’s or Master’s degree in Computer Science or related field • 5+ years of professional experience • Strong communication skills and ability to collaborate effectively with cross-functional teams. • Strong proficiency in one or more of Kotlin, Java, Python, Ruby, or Typescript programming languages • Proficiency in automated testing patterns • Experience in building highly observable systems Preferred Qualifications • Experience with Kotlin, Python, Ruby, or Typescript • Experience with Kafka • Experience with gRPC • Experience with A/B testing and/or Feature Flagging • Strong sense of ownership and accountability for the quality and timely delivery of work • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic. 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 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. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Build and optimize ML and simulation platforms supporting scalable, low-latency inference and model deployment. | Over 6 years of software engineering experience, proficiency in backend services, APIs, and familiarity with AWS and ML platforms. | This a Full Remote job, the offer is available from: United States About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: The Machine Learning & Simulations Platform (MLSP) team builds and operates the core infrastructure that powers ML model training, inference, and marketplace simulation at Upstart. Our platform is foundational to the company’s success—every underwriting, fraud, conversion, and verification model runs here. We also provide the simulation capabilities that help teams experiment safely and assess business impact without requiring costly live experimentation. We are on a mission to reimagine our infrastructure to support the growing complexity of our ML models, the demand for low-latency inference, and the accuracy needed to simulate the dynamics of our borrower-lender marketplace at scale. The team partners closely with Engineering, ML, Product, and Finance to accelerate innovation while safeguarding performance and integrity. As a Senior Software Engineer on the MLSP team at Upstart, you will be responsible for building an MLOps platform to support machine learning model inference, process automation, model deployment, and observability. Machine Learning is critical to Upstart’s core business, and our greatest competitive advantage lies in the fact that we’re able to innovate on our AI engine quickly. You will also help build a marketplace simulation platform to support rapid innovation across ML and Finance teams. How you’ll make an impact • Build, maintain, and optimize Upstart’s next-generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning • Develop high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business • Enable the modernization of our serving infrastructure, reducing inference latency to just a few seconds for our most complex models • Design and contribute to our simulation systems to more accurately reflect production environments, reducing simulation cost and enabling broader usage across teams • Communicate closely with cross-functional partners from ML, Engineering, Product, and Data Engineering teams, keeping all stakeholders informed • Mentor engineers across the team, sharing expertise on distributed systems, MLOps, and scalable architecture Minimum Qualifications • 6+ years of software engineering experience including several building and contributing to in-house Machine Learning Platforms • Experience building and maintaining backend software services and APIs • Proficiency with some or many of the following: Python, Kotlin, Databricks, and AWS • Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others. • Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders • Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback Preferred Qualifications • Familiarity with model serving technologies like Ray, simulation platforms, experimentation frameworks • Proficiency with Flask, FastAPI, Metaflow, MLflow, gRPC, Kafka, Spark/PySpark, ETL/ELT, Redshift (or similar) • Excellent quantitative reasoning skills with interest in working at the intersection of engineering and machine learning • Strong sense of ownership and accountability for the quality and timely delivery of work • Proven ability to effectively analyze and solve complex problems • Excellent written and verbal communication skills with stakeholders, peers and product owners • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic Position location This role is available in the following locations: Remote-US Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. 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. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy This offer from "Upstart" has been enriched by Jobgether.com and got a 73% flex score.

Build and maintain ML and simulation platforms to support machine learning inference, automation, and deployment. | 6+ years of software engineering experience, proficiency in backend services, APIs, and familiarity with ML infrastructure and cloud technologies. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: The Machine Learning & Simulations Platform (MLSP) team builds and operates the core infrastructure that powers ML model training, inference, and marketplace simulation at Upstart. Our platform is foundational to the company’s success—every underwriting, fraud, conversion, and verification model runs here. We also provide the simulation capabilities that help teams experiment safely and assess business impact without requiring costly live experimentation. We are on a mission to reimagine our infrastructure to support the growing complexity of our ML models, the demand for low-latency inference, and the accuracy needed to simulate the dynamics of our borrower-lender marketplace at scale. The team partners closely with Engineering, ML, Product, and Finance to accelerate innovation while safeguarding performance and integrity. As a Senior Software Engineer on the MLSP team at Upstart, you will be responsible for building an MLOps platform to support machine learning model inference, process automation, model deployment, and observability. Machine Learning is critical to Upstart’s core business, and our greatest competitive advantage lies in the fact that we’re able to innovate on our AI engine quickly. You will also help build a marketplace simulation platform to support rapid innovation across ML and Finance teams. How you’ll make an impact Build, maintain, and optimize Upstart’s next-generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning Develop high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business Enable the modernization of our serving infrastructure, reducing inference latency to just a few seconds for our most complex models Design and contribute to our simulation systems to more accurately reflect production environments, reducing simulation cost and enabling broader usage across teams Communicate closely with cross-functional partners from ML, Engineering, Product, and Data Engineering teams, keeping all stakeholders informed Mentor engineers across the team, sharing expertise on distributed systems, MLOps, and scalable architecture Minimum Qualifications 6+ years of software engineering experience including several building and contributing to in-house Machine Learning Platforms Experience building and maintaining backend software services and APIs Proficiency with some or many of the following: Python, Kotlin, Databricks, and AWS Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others. Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback Preferred Qualifications Familiarity with model serving technologies like Ray, simulation platforms, experimentation frameworks Proficiency with Flask, FastAPI, Metaflow, MLflow, gRPC, Kafka, Spark/PySpark, ETL/ELT, Redshift (or similar) Excellent quantitative reasoning skills with interest in working at the intersection of engineering and machine learning Strong sense of ownership and accountability for the quality and timely delivery of work Proven ability to effectively analyze and solve complex problems Excellent written and verbal communication skills with stakeholders, peers and product owners Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic Position location This role is available in the following locations: Remote-US Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. 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. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Drive strategic initiatives to improve auto lending processes through technology and process improvements, collaborating with cross-functional teams. | Over 4 years of product management experience, strong analytical skills, ownership mindset, and experience in fintech or consumer lending preferred. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: The Auto Lending team at Upstart is responsible for delivering the absolute best auto lending experience in the world, without compromise. Upstart’s mission is “effortless credit based on true risk” and the “effortless” is where you come in. As the Senior Product Manager - Automation, you’ll strip away friction from the hardest parts of auto lending: borrower verifications, document signing, Ops reviews, and servicing. You’ll make an industry-leading user experience even better, and in the process you’ll drive down costs. Those cost savings are then used to provide even better offers for our borrowers. You’ll drive the strategic direction for this work, using a combination of emerging technology, process improvement, and vendor management. You’ll work closely with UX designers, data analysts, finance analysts, legal and compliance experts, and our Operations team. You’re a sleuth for the truth. You have unending curiosity about why things are done a certain way, and how we might improve them. You aren’t satisfied with “we’ve always done it this way”. You find it rewarding to squeeze inefficiency out of a system. How you’ll make an impact Deeply understand the needs of our borrowers, Operations teams, and capital partners Define a strategy on how we’ll improve the experience for borrowers (and in the process drive down cost for the business) in a traditionally labor-intensive process Partner with engineering, design, product leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards Identify, track, and obsess over metrics that represent the efficiency of our processes Minimum Qualifications 4+ years of product management experience on fast-moving, consumer-obsessed teams 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 or consumer lending Experience with KYC/KYB or verifications, especially with AI automation Experience with cost optimization, vendor negotiation, and/or process design Position location This role is available in the following locations: Remote [A specific city/location is not required if the role does not have an in-person requirement] 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.] [OPTIONAL] In-Office requirements. You will be required to work from the {insert location} office x days per week/month. 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-NotApplicable #LI-Internship --> use for internships #LI-Entry --> use for new graduate roles, L1, L2 #LI-Associate --> use for L3, L4 #LI-MidSenior --> use for L5, L6 #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 $187,900—$260,000 USD Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Leading communications, grant writing, and fundraising initiatives for nonprofits, including strategic planning, campaign execution, and stakeholder engagement. | Extensive experience in nonprofit leadership, grant writing, and strategic communications, with proven success in securing funding and managing teams. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Digital Marketing team drives scalable, data-driven customer acquisition across our lending products via performance marketing channels. We design, execute, and optimize digital media strategies that connect consumers to credit at the moments that matter most. Through rigorous experimentation, channel optimization, and disciplined CAC management, the team plays a critical role in fueling Upstart’s growth while maintaining strong unit economics for the business. As the Senior Performance Marketing Manager, Emerging Products at Upstart, you will own and scale paid digital acquisition across key channels including SEM, paid social, display, and emerging performance channels. This is a newly created, zero-to-one role with the opportunity to build Upstart’s Home Equity Line of Credit (HELOC) performance marketing engine from the ground up. You will be responsible for day-to-day media buying and optimization in platform, including campaign setup, keyword and audience management, bidding, budgeting, creative testing, and landing page optimization.You will partner closely with Product Marketing, Analytics, Creative, and the HELOC General Manager to launch new campaigns, unlock new audiences, and rapidly test and iterate across messaging, targeting, and channel mix. This role offers exceptional ownership and visibility, with the chance to make a material impact on one of Upstart’s newest and most strategic product lines while laying the foundation for long-term growth. How you’ll make an impact Own and scale HELOC media buying across SEM, paid social, display, and emerging performance channels, managing strategy, execution, and optimization end to end. Build Upstart’s HELOC performance marketing engine from the ground up, establishing channel strategy, testing frameworks, and best practices in a zero-to-one environment. Drive efficient, incremental customer acquisition by continuously optimizing bids, budgets, audiences, and creative to hit volume, CPA, and ROI targets. Design and run rigorous experimentation programs across keywords, audiences, creatives, and formats to unlock scalable growth opportunities and new channels. Manage and forecast significant media budgets, balancing growth and efficiency while adapting quickly to performance trends and market dynamics. Minimum Qualifications 7+ years of experience in performance marketing or digital media buying, with a strong focus on SEM and additional experience across paid social and/or display. Proven track record of owning large-scale acquisition programs, managing significant monthly budgets, and driving measurable growth against CPA, ROI, and volume targets. Deep hands-on expertise in paid search, including keyword strategy, bid management, ad copy testing, and landing page optimization. Strong analytical skills, with the ability to interpret performance data, design experiments, and make data-driven decisions in ambiguous environments. Ability to thrive in a fast-paced, high-growth environment where adaptability and problem-solving are key Preferred Qualifications Experience operating in highly regulated or longer consideration cycle vertical (e.g., financial services, fintech, lending, insurance, marketplaces). Experience launching and scaling new channels or products from zero to one, with comfort operating in ambiguity and building an acquisition funnel from scratch. Experience working closely with product and engineering teams to improve landing pages, funnels, and on-site conversion through testing and iteration. Preference for Eastern time zone candidates 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 $130,800—$181,100 USD Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Leading customer support teams, designing processes, and managing talent development. | 8 years of customer support leadership, experience with process design, data analysis, and team enablement. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Servicing & Enablement team is responsible for driving strategic initiatives, operational readiness, and scalable improvements across all facets of the Servicing vertical. We work cross-functionally with engineering, product, compliance, and operations to launch high-impact projects, improve efficiency, and deliver effortless borrower experiences. Our goal is to lead high-quality, scalable programs that support long-term servicing strategy and enable teams to operate with excellence. As a Program Manager at Upstart, you will lead complex, cross-functional initiatives from scoping through implementation. You will shape long-term strategy through scalable program investments, ensure alignment across partner teams, and serve as a force multiplier for senior leadership by independently executing these initiatives. You’ll bring clarity to challenging, ambiguous problem sets. How you’ll make an impact Lead the Servicing Accelerator Program, a multi-year rotational development program for early-career professionals: Oversee program iterations, cohort hiring & onboarding, and rotational planning across multiple Servicing functions. Partner with senior leaders to align rotations with business needs and participant development goals. Lead classroom-style learning modules throughout each cohort’s lifecycle Develop measurable success metrics for program effectiveness and advancement readiness Drive employee engagement strategy for all Servicing sites (internal + vendor): Own Servicing engagement calendar including events, recognition programs, Customer Service Week, and onsite experiences. Translate engagement insights (e.g., from pulse surveys, “Two Cents” feedback, listening tours) into actionable plans that improve sentiment and retention. Partner with People Ops, L&D, and vendor leadership to align engagement strategies across the full network. Build scalable frameworks and rhythms that make engagement and development systematic: Standardize playbooks for engagement and development programs across internal and vendor teams. Create clear measurement frameworks for initiatives such as “Two Cents,” onsite planning, and leadership roundtables. Maintain annual budget tracking, planning, and reporting on engagement and development investments. Lead communications and storytelling around Servicing engagement and development programs, crafting narratives that celebrate success and inspire participation. Represent Servicing Programs in enterprise talent forums, ensuring the Servicing function’s needs and successes are visible at the company level. Minimum Qualifications 4-6+ years of experience in program management, employee engagement, learning & development, or organizational effectiveness. Proven success designing and executing scalable employee programs across multiple locations or vendors. Demonstrated ability to translate feedback and engagement data into action with measurable outcomes. Experience developing and delivering learning or leadership development content. Strong stakeholder management skills — able to build trust and alignment across People, Operations, and vendor partners. Excellent communication and storytelling skills; comfortable presenting to senior leadership and facilitating large groups. Highly organized, proactive, and impact-oriented — able to move seamlessly between strategy and execution. Preferred Qualifications Experience in Servicing, Operations, or Contact Center environments, ideally within fintech or financial services. Prior ownership of an early-career rotational or development program. Experience in vendor management or building cultural consistency across third-party partners. Familiarity with engagement measurement tools (e.g., pulse surveys, eNPS) and turning qualitative feedback into quantitative insights. Demonstrated success driving cross-functional initiatives that touch People Ops, Risk, and Compliance. Passion for developing people and helping early-career professionals grow into future Servicing leaders. 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-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 $111,000—$160,000 USD Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Drive strategic improvements in auto lending processes using technology, data, and cross-functional collaboration to enhance user experience and reduce costs. | Over 4 years of product management experience, strong analytical skills, ownership mindset, and experience in fintech or consumer lending preferred. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: The Auto Lending team at Upstart is responsible for delivering the absolute best auto lending experience in the world, without compromise. Upstart’s mission is “effortless credit based on true risk” and the “effortless” is where you come in. As the Senior Product Manager - Automation, you’ll strip away friction from the hardest parts of auto lending: borrower verifications, document signing, Ops reviews, and servicing. You’ll make an industry-leading user experience even better, and in the process you’ll drive down costs. Those cost savings are then used to provide even better offers for our borrowers. You’ll drive the strategic direction for this work, using a combination of emerging technology, process improvement, and vendor management. You’ll work closely with UX designers, data analysts, finance analysts, legal and compliance experts, and our Operations team. You’re a sleuth for the truth. You have unending curiosity about why things are done a certain way, and how we might improve them. You aren’t satisfied with “we’ve always done it this way”. You find it rewarding to squeeze inefficiency out of a system. How you’ll make an impact • Deeply understand the needs of our borrowers, Operations teams, and capital partners • Define a strategy on how we’ll improve the experience for borrowers (and in the process drive down cost for the business) in a traditionally labor-intensive process • Partner with engineering, design, product leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards • Identify, track, and obsess over metrics that represent the efficiency of our processes Minimum Qualifications • 4+ years of product management experience on fast-moving, consumer-obsessed teams • 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 or consumer lending • Experience with KYC/KYB or verifications, especially with AI automation • Experience with cost optimization, vendor negotiation, and/or process design Position location This role is available in the following locations: Remote [A specific city/location is not required if the role does not have an in-person requirement] 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.] [OPTIONAL] In-Office requirements. You will be required to work from the {insert location} office x days per week/month. 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-NotApplicable #LI-Internship --> use for internships #LI-Entry --> use for new graduate roles, L1, L2 #LI-Associate --> use for L3, L4 #LI-MidSenior --> use for L5, L6 #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 $187,900—$260,000 USD Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Serve as a strategic partner to the CMO, leading planning, communication, and cross-functional initiatives within a fast-paced organization. | Minimum 6-10 years in business operations, strategy, or program management supporting senior executives, with experience in a tech or marketing environment preferred. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s Growth team is responsible for driving all consumer growth at Upstart, from acquisition to retention. We operate as a highly collaborative group spanning performance marketing, brand, product, partnerships, lifecycle, product marketing, and more. But we’re far more than a traditional marketing team—we’re reinventing how consumers interact with Upstart from the ground up. Our mandate is to leverage Upstart’s AI technology to build the world’s best everything-store for credit keeping the consumer at the heart of everything we do. How you’ll make an impact Serve as a strategic partner and thought leader to the CMO—driving focus, operational clarity, and alignment across the Marketing vertical. Lead quarterly and annual planning processes; ensure priorities and goals ladder up to company strategy and are resourced appropriately. Manage the operating rhythm of the org—including leadership meetings, QBRs, OKR tracking, and executive updates. Act as a central point of communication across ~150-person org, distilling complex initiatives into crisp updates and frameworks for decision-making. Spin up and drive high-impact cross-functional initiatives—ranging from AI-enabled enhancements to partnership operations to new channel or program launches. Support org design efforts, onsite strategy, and internal communications in close collaboration with the EA team. Deliver regular Growth updates to the CEO and senior executive team, ensuring Marketing’s work is visible, measurable, and aligned. Minimum Qualifications 6–10 years of experience in business operations, strategy, consulting, or cross-functional program management. Proven track record supporting senior executives or leading operational planning within complex, fast-paced organizations. Strong analytical and planning skills; able to break down ambiguous problems and structure actionable plans. Experience managing operating cadences (e.g., goal-setting, business reviews, dashboards). Demonstrated success working with cross-functional teams including Marketing, Product, Engineering, Finance, and Partnerships. Preferred Qualifications Experience in a Chief of Staff, BizOps, or strategic planning role within a technology company. Knowledge of AI-enabled technologies and their application in go-to-market or partnership strategies. Skilled in creating executive-facing presentations, memos, and communication frameworks. High emotional intelligence and ability to build trust and rapport with senior leaders and diverse stakeholders. Familiarity with marketing performance metrics, financial modeling, and resourcing strategies. Ability to flex between strategic work and tactical execution; thrives in dynamic, context-switching environments. Position location This role is available in the following locations: Remote- US or Canada 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 spend high-quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2–4 consecutive days at a time. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $130,800—$181,100 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

Lead the architecture and strategy for a GenAI platform, influencing organizational AI initiatives and mentoring engineers. | Over 10 years of software engineering experience, with at least 3 years leading large-scale AI infrastructure projects, deep expertise in backend and cloud-native technologies, and experience with LLM-specific infrastructure. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s GenAI Core Platform team builds the foundational infrastructure that democratizes access to generative AI across the company. As a Principal Software Engineer, you will provide technical leadership across multiple cross-functional teams, shaping the vision, architecture, and adoption strategy for our new GenAI platform for Engineers and non-Engineers alike. You will work closely with engineering leaders, ML researchers, and product stakeholders to ensure Upstart can scale the safe, efficient, and responsible use of LLMs across all business domains. This role goes beyond delivery. It is about setting long-term direction, de-risking our most ambitious AI initiatives, and raising the bar for technical excellence across the organization. In short, you will have a direct influence and impact on how we enable and implement GenAI and LLMs internally at Upstart. How You’ll Make an Impact Define and drive the multi-year technical roadmap for the Core GenAI Platform, influencing adoption and alignment across several engineering teams Lead architecture and design of large-scale, mission-critical systems for model inference, orchestration, and compliance Identify and solve systemic technical risks that impact multiple teams and business-critical AI initiatives Build high-leverage, generalizable platform components that meaningfully accelerate the productivity of engineers across Upstart Mentor senior engineers (L5) and shape the growth of future technical leaders, fostering a culture of learning and excellence Collaborate with VP-level and above leadership to influence business strategy with technical insight Represent Upstart internally and externally as a thought leader in GenAI systems through executive reviews, cross-company forums, and industry venues Establish operational standards for GenAI integrations, ensuring security, fairness, and reliability at scale Minimum Qualifications 10+ years of professional software engineering experience, with at least 3 years leading large-scale, cross-team technical initiatives Proven track record of delivering complex, distributed systems and platform infrastructure that span multiple teams Deep expertise in backend systems and infrastructure technologies such as Kubernetes, Docker, Terraform, and cloud-native architectures Experience designing and operationalizing ML/LLM platforms at scale, including optimization for cost, latency, and reliability Demonstrated ability to set long-term technical direction and influence organizational strategy Excellent communication skills with a history of driving alignment across engineering and business stakeholders Preferred Qualifications Full-stack engineering experience (Python, FastAPI, Kotlin, Spring, React/TypeScript, or similar) Expertise in LLM-specific infrastructure such as inference optimization (quantization, ONNX, streaming), retrieval-augmented generation, and vector databases Hands-on experience with LLM toolchains such as LangChain, LlamaIndex, or OpenAI APIs Recognized as a technical leader beyond your immediate team, influencing platform strategy across organizations Awareness of industry best practices and risks in GenAI including hallucination mitigation, fairness, explainability, and data privacy Experience mentoring senior engineers and shaping organizational standards for operational excellence 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

Lead user engagement strategy and execution to increase retention and activity across digital platforms. | Over 10 years of product management experience with a focus on consumer engagement, strong skills in experimentation, stakeholder alignment, and building multi-product ecosystems. | Note: The job is a remote job and is open to candidates in USA. Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As a Principal Product Manager focused on User Engagement, you will lead efforts to drive user activity, retention, and repeat usage through compelling product experiences, collaborating across various teams to enhance customer engagement. Responsibilities • 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 Skills • 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 • 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 Benefits • 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 Company Overview • Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about. Company H1B Sponsorship • Upstart has a track record of offering H1B sponsorships, with 48 in 2025, 70 in 2024, 85 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.

Develop and maintain scalable full-stack applications, optimize workflows, and contribute to architectural decisions for a loan servicing platform. | At least 2 years of full-stack web application experience, proficiency in programming languages, and ability to analyze and solve complex problems. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart has experienced remarkable growth in recent years, successfully processing billions of dollars in loans every quarter. The Servicing Engineering team plays a crucial role in managing these loans smoothly, maximizing collections, and building strong customer relationships. Our primary focus is to build a loan servicing platform and automate business processes while enhancing efficiency, and providing an intuitive user experience for both our borrowers and internal teams through the use of data analytics, machine learning, and automation. As a Software Engineer on our Servicing Engineering team, you’ll work closely with cross-functional partners to identify areas for improvement, automate repetitive tasks, and implement scalable solutions. By optimizing workflows, integrating systems, and leveraging technology, we empower our servicing partners to prioritize high-value activities and deliver exceptional service to our customers. Your contributions will be instrumental in delivering exceptional customer experiences, while driving continuous improvement in our servicing capabilities to meet the growing demands of our unique role in the fintech ecosystem. How you’ll make an impact: Work within all areas of the platform from our web interfaces and 3rd party API integrations to backend business logic Move quickly to drive both 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 What we’re looking for: Minimum requirements: 2+ years of experience developing full stack web applications professionally Proficiency in one or more programming languages Solid grasp of software development principles and best practices for creating scalable and maintainable systems Proven ability to effectively analyze and solve complex problems Preferred qualifications: Experience with designing, developing, and deploying microservices-based applications Strong sense of ownership and accountability for the quality and timely delivery of work Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Experience with Ruby on Rails and React or NextJS 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 $113,800—$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

Lead high-impact engineering squads to develop scalable, reliable systems for marketplace optimization, collaborating cross-functionally, and ensuring operational excellence. | Over 8 years of software engineering experience, with 3+ years in a managerial role, domain expertise in marketplace systems, and experience with cloud and scalable API design. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Marketplace Optimization team is responsible for optimizing market-level outcomes, balancing tradeoffs for borrowers, capital providers, and Upstart. The team builds the dynamic policy levers, matching and offer-selection logic, and monetization tooling that clear the marketplace, manage margins, and maximize capital utilization efficiency. Our mandate is to enable automated, data-driven decisions that improve originations, contribution margin, and capital efficiency while supporting new products and partner integrations. As the Engineering Manager for Marketplace Optimization, you will lead high-impact engineering squads that turn marketplace strategy and ML-backed signals into reliable production systems. You’ll partner closely with Product, Machine Learning, and Capital Markets to deliver scalable capital routing, matching, and monetization automation capabilities that directly affect borrower outcomes and capital performance. You will set execution priorities, remove blockers, and develop engineers to ship production-grade services that are observable, performant, and safe for a regulated fintech environment. How you’ll make an impact Define and execute the team’s technical roadmap: deliver matching, offer-selection, monetization, and target-return logic and features that improve marketplace outcomes Build and grow a high-performing engineering team: hire, mentor, and develop engineers and ICs; establish clear expectations and career growth paths Drive technical excellence: own architecture and delivery decisions for scalable, fault-tolerant services, data pipelines, and APIs that integrate with ML models and capital systems Collaborate cross-functionally with Product, ML, Capital Markets, and Risk to translate business goals into prioritized, measurable engineering work Own operational reliability and observability: establish SLOs/SLIs, alerting, runbooks, and post-incident practices to ensure marketplace integrity and fast incident response Lead delivery and execution: unblock teams, manage technical and organizational risks, and ensure high-quality, timely releases while balancing speed and safety Minimum Qualifications 8+ years of software engineering experience, with 3+ years in an engineering manager role (managing individual contributors and/or managers) Proven success leading and scaling high-performing engineering teams (e.g., growing headcount, improving delivery metrics, or managing multiple squads) Demonstrated domain expertise in marketplace optimization, pricing/fee/monetization, or routing systems at scale Demonstrated ability to partner closely with Product, and ML teams to deploy models at scale and build scalable production ready systems Exceptional communication skills with the ability to influence technical and non-technical audiences Strong analytical, organizational, and strategic thinking skills with a bias for action Preferred Qualifications Hands-on familiarity with cloud platforms (AWS/GCP/Azure), containerization and orchestration (Docker/Kubernetes), and scalable API design Experience with streaming and event architectures (e.g., Kafka, Pub/Sub) and modern data platforms Track record operating in regulated or compliance-sensitive environments and building systems that support auditability Background in statistics, economics, or applied ML domains Demonstrated success building observability and reliability practices (SLO/SLI design, monitoring, alerting, post-incident process) and scaling engineering processes across multiple teams 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 $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

Designing and implementing tools and systems for loan servicing, especially collections and recoveries, and defining strategies for auto loan servicing. | Over 6 years of experience in product management or building operational tools, with success in driving business outcomes, and strong analytical and 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; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s 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 Senior 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 $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

Design and develop scalable APIs, services, and UIs to improve partner access to data and workflows, ensuring reliability, security, and operational readiness. | Experience in full-stack software development, APIs, cloud deployment, and familiarity with technologies like Ruby on Rails, React, Python, and cloud platforms. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026). Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Partner Experience sits within Capital Platform and scales relationships with lenders and investors through customer experience solutions. This team helps partners access the insights, tools, and controls they need to deploy capital confidently and grow with Upstart. Our platform priorities center on speed, trust, and control for partners, delivered through reliable data, intuitive workflows, and secure access across products. The Role We’re hiring a Senior Software Engineer to build partner‑facing systems that improve transparency, reliability, and self‑service across our capital ecosystem. You’ll contribute to services and UIs that power reporting, onboarding, and ongoing operations for lending partners and investors, collaborating closely with Product, Design, Analytics, and other engineering teams. This is an impact‑driven role where your work will directly strengthen partner confidence, reduce operational friction, and accelerate capital deployment. What you’ll do Design, build, and maintain scalable APIs, services, and UIs that enable partners to access performance data, operational workflows, and program controls. Ship clear, well‑tested code; participate in code reviews; and improve reliability through logging, metrics, and alerting. Work across the stack (backend, data access, and front‑end integration) to deliver end‑to‑end capabilities with strong security and availability. Partner with stakeholders to translate requirements into simple, reliable workflows and self‑service tools that reduce manual processes. Own deployment and operational readiness in cloud environments, including CI/CD, observability, and incident mitigation. Contribute to technical design docs and help evolve our platform architecture for partner experiences over time. Minimum requirements: 3-5 years of experience in software development, with a strong focus on full-stack development, distributed systems, and APIs Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar) Familiarity with database technologies such as SQL and data warehousing solutions Good communication and teamwork skills, with the ability to work effectively with cross-functional teams Preferred qualifications: Experience in capital markets, financial services, or a related industry, with a strong understanding of market structures and regulations Prior experience or demonstrated enthusiasm for working on internal tools History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person Nice to haves: Experience working with large datasets, data modeling, and building robust data pipelines 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 --> use for L3, L4 #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 $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

Build and maintain tooling and automation for system reliability, improve incident response, and support SaaS in a microservice cloud environment. | Minimum of 6 years in Software Engineering, Site Reliability, or DevOps with proficiency in Python, Go, JavaScript/TypeScript, and Infrastructure as Code, along with experience in observability and incident management. | 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

Coordinate end-to-end loan sales processes, improve workflows, and serve as a central contact for cross-functional teams. | Minimum of 3+ years in loan operations, investor services, or capital markets with strong process management, attention to detail, and communication skills. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Investor Services team is responsible for managing relationships with institutional capital investors, ensuring they have the necessary support, data, and insights to confidently invest in Upstart’s loan products. The team plays a crucial role in ensuring a seamless connection between Upstart’s borrower marketplace and the investors who provide the capital that fuels lending. As the Loan Sales Lead at Upstart, you will own end-to-end coordination of Upstart’s multi-product loan sales, ensuring every detail—from sale dates to tape integrity—is executed with precision. You will drive process excellence across Investor Services by developing and maintaining structured workflows, improving documentation, and orchestrating communication across Capital Markets, Legal, Engineering, Servicing, and other cross-functional partners. This role is critical to building a scalable, accurate, and highly efficient loan sale engine as our product suite expands. How you’ll make an impact Own the end-to-end coordination of loan sales, ensuring sale dates, tape updates, requirements, and cross-functional communications are always accurate, timely, and aligned. Maintain and continuously improve Investor Services’ loan sale processes—driving clarity, reducing errors, and building scalable workflows across multiple product lines. Perform detailed tape scrubs to verify loan eligibility, proactively identifying and resolving issues before they impact execution. Serve as the central point of contact for Capital Markets, Legal, Engineering, Servicing, and other partners, ensuring all stakeholders have the right information at the right time. Develop, document, and operationalize new processes for emerging products (e.g., auto, HELOC), ensuring strong adherence and smooth cross-team adoption. Evaluate tools, automation opportunities, and process enhancements that streamline loan sale operations and strengthen Investor Services’ overall efficiency. Minimum Qualifications 3+ years of experience in loan operations, investor services, capital markets operations, or a similar process-driven financial services role. Demonstrated expertise in project management or workflow coordination, with a proven ability to manage complex, multi-step processes across multiple stakeholders. Exceptional attention to detail and accuracy, with experience maintaining documentation, reviewing data/tapes, or validating eligibility criteria. Strong written and verbal communication skills, with experience working in fast-paced, remote environments using tools such as Slack, email, and shared documentation platforms. High proficiency with spreadsheets (Excel or Google Sheets) and operational tools used for tracking, organizing, or automating process workflows. Preferred Qualifications Experience supporting loan sales, securitizations, or other secondary market transactions across multiple consumer lending products. Familiarity with loan tape structures, tape validation processes, and eligibility criteria for asset sales. Background working with cross-functional partners such as Capital Markets, Legal, Engineering, and Servicing in a high-growth or rapidly evolving environment. Experience building or improving operational processes, especially in a multi-product organization. Comfort evaluating and adopting new tools or automation solutions to enhance workflow efficiency. Knowledge of project management methodologies (e.g., Agile, Lean, or similar) and experience using tools such as Jira or equivalent platforms. 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 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 $128,000—$160,000 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

Providing legal guidance on employment and compliance issues, developing policies, and managing legal risks. | Over 10 years of employment law experience, strong knowledge of employment law, and experience in a corporate legal 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 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