Upstart

Manage and optimize the collections blended dialer to ensure alignment with servicing goals. Analyze dialer data and performance trends to drive operational efficiency and improve customer contact success. | Candidates should have 2+ years of experience in Workforce Management or Dialer Operations, with proven skills in managing dialer systems. Strong analytical skills and proficiency in tools like Excel and BI tools are essential. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Workforce Management team is responsible for driving operational efficiency and ensuring the right staffing is in place to meet borrower and collections service demands. The team partners closely with Operations, Analytics, Telephony and Vendor Management to forecast volume, plan capacity, and optimize scheduling across internal and external sites.Through data-driven insights, proactive planning, and real-time execution, WFM plays a key role in balancing service level performance, cost efficiency, and employee experience, ensuring Upstart delivers exceptional support to every customer interaction. As the Workforce Management Dialer Analyst at Upstart, you will be responsible for managing and optimizing the collections blended dialer to ensure outbound strategies align with inbound servicing goals. You’ll monitor daily pacing, penetration, and connect rates to drive performance across internal teams and vendor partners.This role plays a critical part in improving operational efficiency, forecast accuracy, and customer contact success, directly influencing the effectiveness of Upstart’s Collections operations. How you’ll make an impact Manage and monitor the Collections blended dialer to optimize pacing, penetration, and connect rates across internal and vendor teams. Partner with WFM, Operations, and Vendor Management to ensure outbound strategies align with servicing goals and staffing capacity. Analyze dialer data and performance trends to identify opportunities for improvement and recommend actionable adjustments. Provide real-time oversight of agent allocation between inbound and outbound queues to maintain service-level balance and productivity. Support forecasting accuracy by integrating dialer insights into capacity planning and staffing models. Deliver clear reporting and performance updates to leadership, highlighting key results, risks, and operational recommendations. Minimum Qualifications 2+ years of experience in Workforce Management, Dialer Operations, or Contact Center Analytics, preferably in a blended inbound/outbound environment. Proven ability to manage and optimize dialer systems (e.g., LIVEVOX, Genesys, or similar platforms) to improve pacing, penetration, and connect performance. Strong analytical and technical skills with proficiency in Excel, Google Sheets, and dashboarding tools (MODE, Tableau, Power BI, etc.). Experience interpreting call center metrics such as service level, occupancy, shrinkage, and abandonment rate, and using them to drive actionable recommendations. Excellent communication and collaboration skills with the ability to partner cross-functionally across WFM, Operations, and Vendor Management teams. Preferred Qualifications Bachelor’s degree in Business Administration, Data Analytics, Statistics, Economics, or a related field; equivalent work experience in Workforce Management or Dialer Operations may also be considered. Experience developing and executing dialer strategies that improve contact rates, right-party connects, and campaign performance within a blended dialer environment. Proven ability to analyze dialer data to adjust pacing, penetration, and list management strategies in real time for maximum efficiency. Familiarity with vendor performance management and multi-site coordination to ensure consistent coverage, adherence, and outbound campaign alignment. Advanced analytical or technical skills, including experience with SQL, MODE, or BI tools to automate reporting, visualize performance, and identify optimization opportunities. Demonstrated success in forecasting and workforce planning with an understanding of how dialer strategies influence staffing models and overall service levels. Strong attention to detail and commitment to accuracy in forecasting, vendor communications, and dialer setup validation, ensuring smooth execution of dialing campaigns. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. 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 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 This is a Non-Exempt position. Employees in this position are paid an hourly pay rate, on a bi-weekly basis, and are eligible to receive overtime pay for any hours worked over 40 in a work week, or over 8 in a work day if required by state law. At Upstart, your base pay is one part of your total compensation package. The anticipated annualized 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 Hourly Rate Range $27.45—$37.98 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Lead and grow a high-performing engineering team to optimize borrower application experiences through data-driven product development and cross-functional collaboration. | 2+ years engineering management experience with strong technical background, success in product and analytics partnership, and experience building scalable web applications focused on user experience and experimentation. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team The Conversion Engineering team plays a critical role in improving the borrower experience and driving top-line performance. This team owns the Unified Funding Application experience, building and optimizing across the stack to provide borrowers with a seamless experience. They sit at the intersection of engineering, product, machine learning, and design to run experiments, build personalized experiences, and rapidly launch high-impact product features. With deep investments in automation and data-driven decision-making, the team’s work directly impacts one of Upstart’s most critical operating metrics: conversion rate. How You'll Make an Impact Lead and grow a high-performing team of 8+ engineers focused on transforming the application flow into a seamless, optimized, and personalized experience. Own core borrower experiences from initial application through offer acceptance, shaping critical user touchpoints across multiple product lines. Partner deeply with Product, Analytics, Machine Learning, Marketing, and Design to prioritize and launch high-impact A/B tests, personalization models, and product flows. Drive cross-functional execution that keeps stakeholders informed and involved in order to make data-driven decisions. Support and mentor engineers of all technical skill levels while fostering a culture of excellence, curiosity, and product-minded thinking. Play a strategic role in technical decision-making, including challenging assumptions, validating approaches, and helping the team scale thoughtfully. Minimum Qualifications 2+ years of engineering management experience leading full-stack or frontend-leaning teams. Proven success partnering with product and analytics to deliver measurable impact on customer-facing metrics. Strong technical background with the ability to support and challenge technical decisions at a high level. Excellent communication skills and a track record of collaboration with cross-functional stakeholders. Experience building and scaling web applications with a focus on user experience and experimentation. Preferred Qualifications Experience leading engineering teams in growth, funnel optimization, or personalization domains. Prior exposure to A/B testing, machine learning integration, or high-scale experimentation frameworks. Strong product mindset with a passion for understanding user behavior and making data-informed decisions. Familiarity with CI/CD pipelines, automated testing, instrumentation, observability, and monitoring. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $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

Design and develop scalable marketing platform systems, collaborate cross-functionally to optimize targeting, lead projects, and mentor junior engineers. | 7+ years software development experience, proficiency in languages like JavaScript, experience with scalable APIs and cloud environments, leadership skills, and strong communication. | 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 Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while having a direct impact on Upstart's mission and growth. The team is responsible for some of our highest value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with our customers on these channels. As a Senior Software Engineer on the Distribution Platform team, you will play a key role in designing and building the systems that intelligently connect our marketing efforts to the right users at the right time. You’ll drive development of scalable, resilient platform capabilities that power Upstart’s owned marketing channels including digital ads, direct mail, and partner integrations. Collaborating closely with cross-functional partners in Analytics, Marketing, Machine Learning, and Product, you’ll help shape the technical strategy and execution that enables more personalized, data-driven outreach and directly advances Upstart’s growth and mission. How you’ll make an impact: Lead the design and development of scalable systems that deliver marketing content across key outbound channels. Partner with machine learning, analytics, and marketing stakeholders to optimize targeting and improve customer engagement. Own projects from ideation to launch guiding architecture, implementation, and operational readiness. Drive platform reliability and evolve internal tools that enable experimentation, automation, and performance insights. Mentor junior engineers and contribute to growing a culture of technical excellence and cross-functional collaboration. What we’re looking for: Minimum requirements: 7+ years of professional software development experience Strong proficiency in one or more programming languages such as Ruby, Java, Kotlin, Python, or Javascript Experience building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP). Proven ability to lead projects involving multiple engineers or stakeholders overextended timelines. Excellent written and verbal communication skills with the ability to work in a distributed team. Preferred qualifications: Experience building systems that integrate with 3rd parties or manage large scale data flows Experience with SQL, data warehouses, or other database technologies Professional experience with digital advertising platforms like Google Ads or Meta Ads Professional experience working with Ruby on Rails and/or Kotlin Experience or interest in working with React, typescript, or front end technologies Experience working with marketing technology or growth engineering 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 At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,600 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Lead and manage the day-to-day operations of the Disputes team, ensuring timely and compliant resolution of disputes. Oversee workflows and collaborate cross-functionally to enhance efficiency and improve customer experience. | A bachelor's degree in a related field and 4+ years of experience in operations or credit disputes are required. Candidates should have a strong understanding of regulatory requirements and a proven track record in managing dispute operations. | 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 Disputes team is responsible for managing all aspects of the customer dispute process. This includes handling direct and indirect credit disputes. The team ensures compliance with all regulatory requirements, maintains service level agreements (SLAs), and delivers high-quality, timely resolutions for every customer interaction. As the Operations Manager, Disputes at Upstart, you will lead a high-performing team responsible for managing all incoming disputes and related claims. You’ll oversee daily operations, guide the team through complex workflows, and partner cross-functionally to enhance efficiency, maintain compliance, and improve the customer experience. You will play a pivotal role in ensuring Upstart upholds its commitment to accuracy, fairness, and timeliness in all dispute-related matters. How you’ll make an impact Lead and manage the day-to-day operations of the Disputes team, supporting a group of 10 specialists. Act as the primary escalation point for complex or sensitive disputes, ensuring timely and compliant resolution. Oversee and streamline workflows for credit disputes to meet internal and regulatory SLAs. Implement process improvements to increase operational efficiency and accuracy. Partner with the product team to create automation where possible. Collaborate cross-functionally with Compliance, Legal, Credit Reporting, and Customer Operations teams to align on policies and escalations. Monitor Quality assurance metrics and provide coaching, feedback, and professional development to team members to foster growth and engagement. Track and analyze dispute trends to identify root causes, mitigate risks, and inform process or policy updates. Ensure adherence to Fair Credit Reporting Act (FCRA). Minimum Qualifications Bachelor’s degree in Business, Finance, Operations Management, or a related field, or equivalent practical experience. 4+ years of experience in operations, credit disputes, or consumer lending environments. Minimum of 4 years experience in an operations management role, including at least 2 years focused exclusively managing and leading a dispute and fraud operations team. Strong understanding of FCRA, SCRA, and identity theft claim handling requirements. Proven track record of meeting SLAs and driving performance through metrics and process improvement. Demonstrated success in revamping and leading a fraud or identity theft investigations team, including implementation of process improvements that resulted in measurable gains in efficiency and risk reduction. Extensive experience with various identity theft typologies (e.g., synthetic ID, account takeover, new account fraud). Strong understanding of Metro 2 Reporting Standards. Expertise in fraud claim validation best practices. Preferred Qualifications Experience working in fintech, banking, or a credit reporting environment. e-Oscar expertise and managing indirect disputes received from the credit reporting agencies. Skilled in process optimization, workflow automation, and root cause analysis. Knowledge of credit reporting systems and dispute management tools. Ability to interpret and apply regulatory requirements to operational processes. Excellent written and verbal communication skills with the ability to communicate complex information clearly. Demonstrated ability to lead through change and foster a culture of accountability and continuous improvement. Position location This role is available in the following locations: Remote. Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. 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 $75,900—$105,000 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Design and build a unified GenAI platform infrastructure enabling scalable, secure, and compliant LLM integrations across the company. | 6+ years OOP software engineering with systems background, backend Python microservices, ML platform/LLM infrastructure experience, cross-functional leadership, and strong communication skills. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s new Core GenAI Platform team is building foundational infrastructure that democratizes access to generative AI/LLMs for every product and engineering team across the company. As a Senior Software Engineer on Upstart's Core GenAI Platform team, you will help design and build a unified interface for securely interacting with large language models - abstracting away the complexity of model selection, prompt orchestration, evaluation, and scaling. You'll help build a centralized GenAI layer that enables engineers to use best-in-class LLMs through clean APIs, configurable pipelines, and intuitive tooling. Reporting to our Senior Director of Engineering, the team operates with broad scope and high visibility, partnering across Machine Learning, Product, and Compliance to ensure every model integration is performant, secure, and compliant. Whether it's embedding LLMs in user-facing products or optimizing backend workflows, this team makes it seamless for Upstart Engineering to adopt and scale GenAI company-wide. How you’ll make an impact: Build the Core GenAI platform powering generative AI use cases across all of Upstart Engineering. Design and implement reliable, observable infrastructure for model inference, prompt orchestration, and data workflows. Drive cross-functional adoption of AI tooling by delivering reusable components and intuitive interfaces.Increase developer productivity through automation, metrics dashboards, and streamlined GenAI integrations. Set the technical roadmap for platform capabilities, balancing innovation with reliability and compliance. Partner with ML researchers, product engineers, and design to bridge experimentation and production. Ensure the platform adheres to emerging standards of security, fairness, and explainability for LLM systems. What we’re looking for: Minimum requirements: 6+ years of experience in object-oriented software engineering, with a strong systems engineering background Proven experience independently leading impactful, cross-functional, multi-quarter projects with mid-large teams Proficiency in backend development with Python (leveraging frameworks like FastAPI, Flask, or similar), microservices architecture, and infrastructure tools like Kubernetes, Docker, and Terraform Hands-on experience building ML platforms or infrastructure supporting LLMs or inference systems Familiarity with observability tools (e.g., Prometheus, Grafana, Datadog) and data processing pipelines Strong written and verbal communication skills and a collaborative approach to cross-functional work Strong stakeholder management skills Preferred qualifications: Full Stack development skills including hands on experience with React or similar Proficiency with Kotlin or Java and the Spring framework ecosystem Experience with LLM toolchains such as LangChain, LlamaIndex, or OpenAI APIs Deep understanding of model inference optimization (e.g., quantization, ONNX, streaming) Exposure to retrieval-augmented generation (RAG), vector databases (e.g., FAISS, Pinecone), or prompt engineering Experience operationalizing LLMs in production, including latency management and prompt versioning Ability to influence platform direction and drive alignment across multiple engineering teams Awareness of LLM-specific risk domains, including hallucinations, fairness, and data privacy Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $163,600—$226,400 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Lead and manage a database engineering team to ensure scalable, secure, and high-performance database infrastructure. | 8+ years in database engineering or DBA roles, 3+ years management experience, expertise in Postgres and AWS, scripting skills, and strong communication. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team The Database Engineering team owns the reliability, performance, and scalability of the database systems that power Upstart’s lending platform. Our environment is built primarily on Postgres and AWS RDS, supporting mission-critical financial transactions at scale. The team develops tooling, automation, and best practices that ensure our databases remain secure, resilient, and efficient as the business grows. As a Senior Database Engineering Manager, you’ll lead this team of specialists, helping define the long-term vision for database engineering at Upstart while ensuring operational excellence today. You’ll partner with product engineering, infrastructure, and data teams to set standards, solve complex scaling challenges, and enable developers across the company to work more effectively with data. Position Location - This role is available in the following locations: Remote Time Zone Requirements - This team operates on the East/West Coast time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 2-4 days per Quarter at the 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: Define the roadmap for database engineering, ensuring our database infrastructure scales with Upstart’s growth. Lead, mentor, and grow a team of Database Engineers, fostering a culture of technical excellence and collaboration. Partner with application and data engineering teams to establish standards for database design, schema governance, and query optimization. Drive initiatives to improve availability, security, and performance across all production and non-production database environments. Champion automation and tooling that reduce operational overhead, increase observability, and improve developer self-service. Act as a thought partner to engineering leadership on database strategy, scaling, and cost efficiency. What we’re looking for: Minimum Requirements 3+ years of people and team management experience, and 8+ years of experience in database engineering or DBA roles. Deep expertise in Postgres, including extensions, performance tuning, and replication. Experience designing and supporting high-volume OLTP systems. Strong background with AWS (RDS, EC2, IAM, VPC, S3) and infrastructure automation. Proficiency with Python or another scripting language for database automation and tooling. Strong communication skills and proven ability to collaborate across engineering, product, and operations teams. Preferred Qualifications Experience with Clickhouse, DataDog DBM, or other distributed database technologies. Familiarity with database scalability solutions in cloud environments. Experience in financial services, fintech, or other highly regulated industries. Background managing mission-critical systems with high uptime requirements. 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 $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 credit analytics workstreams to drive insights, develop forecasting models, and support credit decisioning and strategy across Upstart's lending platform. | 6+ years in tech/finance with expertise in credit analytics, quantitative modeling using Python/R/SQL, experience with large datasets and data tools, and strong cross-functional 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; 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: 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 Analytics team at Upstart is at the forefront of AI/ML-driven credit lending across the organization. Our team employs analytical and technical prowess to deliver comprehensive support in Upstart’s lending platform. The Credit Analytics team is building out foundational frameworks and infrastructures on forecasting and oversights, to inform business decisions across market cycles, emerging trends, risk and return trade-offs, among others. We also take pride in developing our business intelligence tools to empower self-service insight discovery and reporting automation. As a Staff Analyst at Upstart, you will join our Credit Analytics horizontal team, focusing on line of credit products. You will lead workstreams in driving critical insights and decisions concerning credit performance and strategies, and contributing to the long term development in underwriting framework and analytics infrastructure.The credit oversight pillar is building out a best in class data driven credit forum, ensuring continuous feedback loop with product and business roadmaps. You will be collaborating closely with other Data Analytics, Machine Learning, and Product teams, you will spearhead initiatives that support Upstart’s multi-product growth and extend our market leadership in lending. How you’ll make an impact: Partner with the Data Analytics vertical teams, Machine Learning, Product, Engineering, and Finance teams to shape credit metrics and narratives, financial forecast, and driving consensus in the state of Upstart platform Influence Upstart’s credit platform and investor/lending community through informing decisions, opportunities, and risks, while supported by deep understanding and insights on Upstart’s machine learning model, credit, and valuation Lead and develop analytics on underwriting decisions, credit monitoring, model impacts, asset forecast, and valuation modeling to conduct in-depth analyses on credit data, trends, and anomalies that drive model and product decisions Build foundational forecast models, data pipelines, and automated reporting to enable robust and dynamic credit intelligence for Upstart analyst community Mentor junior team members on best practices and foster a center of excellence on data, credit, and analytics What we’re looking for: Minimum qualifications: 6+ years in professional experience in technology and financial industries Expertise in credit analytics, decision, and/or quantitative financial model development with Python, R, & SQL Experience in decisioning supported by large datasets, data modeling, and data pipelines using tools like Databricks, DBT, Looker, Snowflake, & Redshift Degree in Economics, Statistics, Engineering, Data Science or other quantitative fields Preferred qualifications: Demonstrated ability to work collaboratively and in deep partnership with cross-functional colleagues especially in Finance, Product, Data Engineering, ML teams Ability to craft executive-ready narratives around complex business or performance topics, leveraging visualization and dashboards (e.g., Tableau, PowerBI, Looker), and to successfully influence and drive C-level decision-making Experience in consumer lending strategy, and/or investment experience in consumer credit capital markets, private credit, structured products Experience in coaching and mentoring junior team members on technical subjects What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices Position location - This role is available in the following locations: Remote Time zone requirements - The team operates on the West coast time zones. Travel requirements - As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $157,000—$217,500 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

Drive execution of product roadmaps, coordinate cross-team delivery, improve delivery velocity, and establish operational rigor for growth products. | 8+ years leading cross-functional software delivery programs, technical fluency, strong planning and communication skills, preferably with growth domain experience in regulated industries. | 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; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart’s credit products, both for the first time and on an ongoing basis. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace. As a Product Operations Manager on Growth, you’ll drive delivery for the products and platforms that power Upstart’s customer growth. You’ll partner closely with Product Managers and Engineering Managers to translate strategic priorities into executable plans - defining milestones, managing dependencies, mitigating risks, and ensuring cross-team alignment. You’ll work across multiple squads to create transparency, improve execution velocity, and ultimately ensure we deliver measurable business impact for the Growth vertical. How you’ll make an impact • Drive execution across Growth team’s roadmap - partner with product teams to translate strategy into actionable delivery plans, define milestones, manage dependencies, and ensure consistent progress toward business outcomes • Own cross-functional delivery - coordinate work across multiple squads (marketing platform, customer platform, shared infra) and business teams to ensure alignment and business results • Enable speed and quality in how we ship - Identify and mitigate risks early, streamline planning and release processes, and champion delivery velocity for highest impact • Establish operating rigor and visibility - create frameworks, reporting cadences, and communication rhythms that bring clarity to priorities, trade-offs, and progress for leadership and partner teams • Drive continuous improvement -analyze delivery metrics, retrospectives, and program learnings to evolve how Growth teams plan, build, and deliver Minimum Qualifications • 8+ years of experience leading cross-functional software delivery or platform programs, ideally spanning multiple engineering teams and products • Technical fluency - able to understand system dependencies to drive informed decisions and unblock execution • Proven ability to plan and deliver complex roadmaps, managing competing priorities while ensuring alignment across engineering, product, and go-to-market teams • Excellent communication and influence skills, with experience driving clarity and accountability across technical and non-technical stakeholders Preferred Qualifications • Experience working in the Growth domain across consumer and platform facing products, preferably in highly regulated industries (financial services, healthcare, etc.) • Demonstrated ability to improve delivery velocity and operational rigor through process design, tooling, or data-driven retrospectives Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: • Competitive Compensation (base + bonus & equity) • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings • Employee Stock Purchase Plan (ESPP) • Life and disability insurance • Generous holiday, vacation, sick and safety leave • Supportive parental, family care, and military leave programs • Annual wellness, technology & ergonomic reimbursement programs • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering • Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $187,900—$260,000 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy This offer from "Upstart" has been enriched by Jobgether.com and got a 73% flex score.

Drive execution and delivery of Growth team roadmaps by coordinating cross-functional teams, managing dependencies, mitigating risks, and ensuring alignment to business outcomes. | 8+ years leading cross-functional software delivery or platform programs with technical fluency, excellent communication, and experience managing complex roadmaps across engineering, product, and go-to-market 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; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart’s credit products, both for the first time and on an ongoing basis. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace. As a Product Operations Manager on Growth, you’ll drive delivery for the products and platforms that power Upstart’s customer growth. You’ll partner closely with Product Managers and Engineering Managers to translate strategic priorities into executable plans - defining milestones, managing dependencies, mitigating risks, and ensuring cross-team alignment. You’ll work across multiple squads to create transparency, improve execution velocity, and ultimately ensure we deliver measurable business impact for the Growth vertical. How you’ll make an impact Drive execution across Growth team’s roadmap - partner with product teams to translate strategy into actionable delivery plans, define milestones, manage dependencies, and ensure consistent progress toward business outcomes Own cross-functional delivery - coordinate work across multiple squads (marketing platform, customer platform, shared infra) and business teams to ensure alignment and business results Enable speed and quality in how we ship - Identify and mitigate risks early, streamline planning and release processes, and champion delivery velocity for highest impact Establish operating rigor and visibility - create frameworks, reporting cadences, and communication rhythms that bring clarity to priorities, trade-offs, and progress for leadership and partner teams Drive continuous improvement -analyze delivery metrics, retrospectives, and program learnings to evolve how Growth teams plan, build, and deliver Minimum Qualifications 8+ years of experience leading cross-functional software delivery or platform programs, ideally spanning multiple engineering teams and products Technical fluency - able to understand system dependencies to drive informed decisions and unblock execution Proven ability to plan and deliver complex roadmaps, managing competing priorities while ensuring alignment across engineering, product, and go-to-market teams Excellent communication and influence skills, with experience driving clarity and accountability across technical and non-technical stakeholders Preferred Qualifications Experience working in the Growth domain across consumer and platform facing products, preferably in highly regulated industries (financial services, healthcare, etc.) Demonstrated ability to improve delivery velocity and operational rigor through process design, tooling, or data-driven retrospectives Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $187,900—$260,000 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Manage and improve vendor management framework, oversee vendor performance and risk, and collaborate cross-functionally to ensure efficient and compliant operations. | Minimum 5 years in operations vendor management within financial services or fintech, strong analytical and communication skills, and experience driving process improvements. | 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 Home Lending vertical is seeking a Vendor Management Program Manager to establish and run a new, centralized vendor management function. This role will be responsible for building the foundation for consistent vendor oversight, quality and performance tracking, risk control, and change management across our Home Lending operations and product teams. You will be the primary owner of vendor relationships and process, driving accountability, creating structure, and ensuring our external partners enable efficient, compliant, and scalable operations. As the Program Manager at Upstart, you think strategically and analytically, approach challenges with a solutions mindset, and excel at improving processes and workflows. You take full ownership of initiatives from concept to execution, operating independently while driving meaningful results. You also communicate clearly and build strong, collaborative relationships with both internal teams and external vendors. How you’ll make an impact Design and manage the vendor management framework for Home Lending Oversee vendor performance and governance by defining metrics, scorecards, and review cadences Develop and lead robust quality control function to ensure process accuracy, compliance, and operational excellence Create and deliver training programs that upskill internal teams on vendor processes and best practices Identify and mitigate vendor risk related to cost, performance, and compliance Partner across Product, Legal & Compliance, Finance and other teams to align vendor activities with business goals Continuously improve vendor operations through data analysis and structured process enhancements Minimum Qualifications Minimum 5 years of experience in an Operations Vendor Management position within a financial institution or fintech Strong analytical and data-driven decision-making skills Proven track record of process improvements, problem solving and effective task prioritization Excellent communication and stakeholder management skills Preferred Qualifications Experience in Home Lending vendor partnerships Understanding of complex or securitized asset products Experience establishing vendor governance processes or performance frameworks 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-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $75,900—$105,000 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

As an ML Model Risk Specialist, you will implement Upstart’s model risk management program, collaborating with Machine Learning teams to ensure compliance with model risk management requirements. This includes producing documentation, assisting with monitoring efforts, and addressing model-related inquiries from lending partners. | A Master’s degree in a quantitative field is required, along with internship or project experience in model risk management or related areas. A basic understanding of AI/ML methodologies and experience coding in R or Python is also necessary. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s ML Model Risk team is responsible for ensuring that the risk of machine learning (ML) models at Upstart is well-understood, monitored, and mitigated, which requires deep understanding of the models themselves. This work is essential for Upstart’s internal risk management, ensuring that our models help us make better decisions, and to maintain credibility with external stakeholders such as our lending partners and regulators. The team’s focus is on articulating sound model risk management principles and implementing them in collaboration with our peers on Upstart’s Risk and Machine Learning teams. This work also includes explaining our ML models to stakeholders, supporting external validations, and conducting analyses to reinforce our goals. As an ML Model Risk Specialist at Upstart, you will contribute to the implementation of Upstart’s model risk management program. This work includes collaborating with our Machine Learning teams to meet model risk management requirements, with tasks ranging from producing robust model documentation, assisting with monitoring and validation efforts, and partnering with other Upstart stakeholders to understand model risk management needs across the enterprise. How you’ll make an impact Partner with model developers in the Machine Learning team to maintain robust and up-to-date model inventory, model risk assessments, documentation, and monitoring reports. For instance, ensure that documentation is both technically adequate and comprehensible to stakeholders with varying needs and levels of technical sophistication. Partner with ML teams to provide effective challenge of Upstart’s models and communicate modeling assumptions to external stakeholders. Help answer model questions from lending partners, in collaboration with other teams. Collaborate with central Upstart’s Legal and Compliance teams as needed to ensure our model risk management implementation meets or exceeds Upstart’s internal policies as well as regulatory requirements. Track team goals and progress. Perform risk assessment for the model risk management program. Minimum Qualifications Master’s degree in quantitative field such as finance, mathematics, economics, statistics or a related discipline Internship or project experience related to model risk management, model governance, machine learning, or data science. Basic understanding of AI/ML methodologies such as tree-based models and neural networks Experience coding in R, Python, or similar languages such as Matlab Preferred Qualifications PhD in a quantitative field of study such as statistics, econometrics, finance, mathematics; or a related discipline 1+ years of experience in model risk management or model governance, or related fields such as ML and Data Science, Risk, Trust and Safety, or Technical Writing Strong communication skills: ability to adapt technical information to varying needs and audiences, and managing trade-offs such as providing modeling detail while protecting intellectual property Proactive mindset with the ability to take initiative Understanding of advanced AI/ML topics such as model monitoring, fairness, and explainability Advanced coding skills in R, Python, and SQL, and experience using Git Interest in or knowledge of consumer lending Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $108,300—$150,000 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

Develop and maintain full stack web applications with a focus on quality, testability, resiliency, and user experience, collaborating cross-functionally and contributing to architectural decisions. | 7+ years professional experience building scalable consumer-facing web products, strong communication skills, mentoring experience, and preferably experience with Ruby on Rails, React, AWS, Docker, CI/CD, and AI/ML integration. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s Onboarding Experience team is dedicated to creating a seamless loan application process that allows customers to quickly and easily complete all steps required to fund their loan. By building exceptional, customer-centric experiences for both Upstart borrowers and internal Operations teams, this team plays a crucial role in making Upstart the premier destination for consumer credit. This team focuses on our flagship product, Personal Loans, and directly impacts our growth in this business by reducing friction for applicants and improving the efficiency of our operations. As a Senior Software Engineer at Upstart on the Onboarding Experience team, you will work across the whole stack, partnering with Engineering, Product, Operations and other internal teams on both existing and greenfield projects. You’ll deliver work with a focus on quality, testability, resiliency, extensibility, and maintainability while always keeping our end users in mind. How you’ll make an impact Work within all areas of the platform or product, from our web interfaces and 3rd party API integrations, to backend business logic Move quickly to drive existing and greenfield projects forward, while always keeping our end users in mind Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base Help us build our engineering team, and make Upstart a genuinely awesome place to work Communicate closely with cross-functional partners, keeping all stakeholders informed Minimum Qualifications 7+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders Exhibit a growth mindset - you’re comfortable with the uncomfortable, and are not afraid to pick up new technologies that are best for the task, and seek out opportunities to learn from others Excellent written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback Preferred Qualifications Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred) and Docker, GitHub Actions, utilizing CI/CD technologies including infrastructure as code Experience integrating and working with AI/ML models and understanding their capabilities, particularly for financial use cases Experience in the customer support tech domain (e.g., contact center platforms, customer engagement solutions, or conversational AI systems) You thrive in environments where you are expected to think like an owner and make decisions like one Passion for improving user experience through best practices and metrics-driven development We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role Position location This role is available in the following locations: Remote, San Mateo, Columbus, Austin. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $163,600—$226,400 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

As a Software Engineer, you will design and build borrower-facing flows that improve conversion and reduce operational touchpoints. You will own features across the full stack and collaborate cross-functionally to optimize the borrower journey. | The position requires 4+ years of experience in full-stack web application development and proficiency in Kotlin or Ruby on Rails. Familiarity with additional programming languages and experience with various technologies such as React and AWS is also necessary. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s Verifications – PL Applicant Experience team is focused on modernizing the borrower journey end-to-end. The team reduces friction, automates verifications, and enables dynamic decisioning while ensuring fraud prevention and credit risk mitigation. We partner closely with Product, ML, and Platform teams to deliver a seamless and transparent experience for borrowers. As a Software Engineer on the PL Applicant Experience team, you will design and build borrower-facing flows that improve conversion, reduce operational touchpoints, and scale verifications across Upstart products. You’ll own features across the full stack, collaborate cross-functionally to optimize the borrower journey, and contribute to building our next-generation decisioning and automation platform. How you’ll make an impact Build and own borrower-facing verification flows end-to-end across frontend and backend. Minimize fraud losses to Upstart through better data and ML models Drive automation to reduce manual reviews, strengthen fraud defenses, and improve borrower satisfaction. Improve UI experience for operations teams and applicants Collaborate with ML and data teams to enable dynamic repricing, risk insights, and continuous decisioning. Design scalable services in a distributed service architecture Minimum Qualifications 4+ years of experience developing full-stack web applications professionally. Proficiency in Kotlin or Ruby on Rails, plus familiarity with at least one additional programming language. Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture. Solid grasp of software development principles and best practices for building scalable, maintainable systems. Proven ability to analyze and solve complex technical problems effectively. Preferred Qualifications Experience with React, TypeScript, Spring Boot, PostgreSQL, Databricks, AWS, or event-driven architecture. Knowledge of KYC/verification vendors (Socure, Plaid, OCR) and integrating sensitive data services. Strong sense of ownership and accountability for delivering high-quality features on time. Ability to thrive in both independent and collaborative settings, contributing positively to team dynamics. Demonstrated ability to take and incorporate feedback, with a continuous improvement mindset. Travel requirements: As a digital first company, the majority of your work can be accomplished remotely. But our team still has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, Austin, or San Mateo). If you need to travel to make these meetups, Upstart will cover all travel-related expenses. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $142,000—$196,000 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

As the Senior Manager, People Insights & Analytics, you will act as a strategic analytics partner, building dashboards and conducting workforce analyses. You will deliver insights that shape talent attraction, retention, and growth strategies. | Candidates should have over 6 years of experience in advanced analytics focused on people insights. A strong background in Workday and data warehousing solutions is essential. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s People Platforms & Programs team ensures that every Upstarter has a seamless and supportive experience across the employee lifecycle. This team brings together People Analytics, Learning & Development, HR Technology, Program Management, and HR Operations to create the systems, programs, and experiences that enable people to do their best work. From building scalable platforms and tools, to designing growth and learning opportunities, to delivering the operational excellence that keeps our people processes running smoothly, People Platforms & Programs is the connective tissue that supports every stage of an Upstarter’s journey. The Role: As the Senior Manager, People Insights & Analytics you’ll be a strategic analytics partner, building robust dashboards and models, conducting deep workforce analyses, and delivering insights that shape how we attract, retain, and grow talent. Through innovative use of tools like Culture Amp, Workday, Prism, Databricks, and BI platforms, you will ensure leaders at every level can make faster, clearer, and more impactful people decisions that drive both employee experience and business outcomes. How you’ll make an impact Act as the strategic analytics partner for the People team and company leaders to uncover people related insights Build robust, self-serve dashboards, reports, models and alerts to track metrics across the People data and enable self-serve people related decisions and processes Conduct in-depth analyses to identify key trends, risks, and opportunities across areas such as hiring, attrition, diversity, and engagement; translate insights into clear, actionable recommendations that inform people strategies and business decisions. Perform deep-dive analysis of engagement data to surface trends, patterns, and opportunity areas; distill insights into clear narratives that highlight drivers of engagement and inform targeted people strategies, leadership actions, and organizational initiatives. Drive process improvement and automation by evaluating, championing, and implementing new analytics tools, advanced capabilities, and AI-driven solutions that increase efficiency, scalability, and the strategic impact of people insights. Partner with stakeholders across HR and the broader business to understand evolving priorities, translate them into analytics requirements, and continuously enhance deliverables to ensure our insights are timely, relevant, and actionable. Proactively expand the use of data across the People organization by building data fluency, driving adoption of self-serve dashboards and tools, and empowering HR and business leaders to leverage insights in everyday decision-making. Conduct regular data audits and validations to ensure accuracy, consistency, and compliance across all People data systems, safeguarding the integrity of insights that inform critical business and talent decisions. Minimum Qualifications 6 + years of experience in advanced analytics focused on delivering people-based insights and driving meaningful impact. Proven experience defining data strategy and architecture for People/HR systems, including linking Workday/Prism data with enterprise platforms such as Databricks. Strong foundational knowledge of Workday HCM and reporting, with the ability to translate business needs into scalable reporting solutions. Demonstrated expertise with Workday Prism and modern data warehousing solutions (e.g., Snowflake, Databricks) to enable advanced analytics. Advanced skills in database modeling and pipeline development, including JSON, SQL, and ETL/ELT pipeline configuration. Hands-on experience building and maintaining integrations using APIs, webhooks, and middleware to ensure seamless data flows across systems. Solid track record in data modeling for HR analytics , with proficiency in BI tools such as Workday dashboards, Looker, and/orTableau to deliver actionable insights. Demonstrated experience creating compelling data visualizations that effectively communicate insights and transform complex data into clear, actionable recommendations for stakeholders. Preferred Qualifications Comfort working in a high-growth, fast-paced environment with evolving priorities. Background in fintech, technology or AI related field is a plus. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $135,000—$186,700 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Lead product vision and roadmap for an AI financial advisor, collaborate with engineering and design, ensure compliance, and drive product strategy from inception to scale. | 4+ years product management experience with enterprise clients, strong analytical and communication skills, ownership mindset, and preferably 0-1 product experience with AI/LLM and finance domain knowledge. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: As the Principal PM, Intelligent Finance at Upstart, you will lead Upstart in forging a path combining a new technology-agentic AI - with a core part of our mission: helping people make choices that make them more likely to achieve their financial goals. This is a net new product, so you’ll be founding this team in close partnership with a couple of our senior leaders. How you’ll make an impact Define and drive the product vision for an AI financial advisor that ingests complex financial data and delivers personalized, actionable guidance. Partner with engineering and design to prototype, test, and launch agentic AI features that make financial recommendations. Translate messy user inputs and 3p data into simple, coherent inputs for the advisor to consistently gather and work from. Establish the product strategy and roadmap from zero-to-one, making foundational decisions that shape how the product scales. Collaborate with compliance, risk, and business stakeholders to ensure solutions are both innovative and responsible. Act as the connective tissue across disciplines, unblocking challenges and ensuring speed without sacrificing quality or trust. Minimum Qualifications 4+ years of product management experience on a fast-moving team with medium+ enterprise clients. Demonstrated success in driving business outcomes through a balance of quant metrics and qual understanding. You’re clever and enterprising when it comes to having the minimum data necessary to make an informed decision. Your risk tolerance is well honed. Strong product sense. You have independently authored and executed on a multi-quarter roadmap, and have been around to see the consequences (good and bad) of your decisions. Rigorous and analytical problem solving; well structured, concise, and highly effective communication. Ownership and growth mindset. You act like an owner. You’re often right, but humble and open minded about being wrong. You’re perpetually dissatisfied and striving to improve yourself and the team. Preferred Qualifications Prior 0-1 experience, preferably as a founder / product lead. Experience with b2c retention. Aptitude for and interest in credit and personal finance economic concepts. Demonstrated mission orientation (any mission!), and outsized results to match. Experience within GenAI/LLM Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $187,900—$260,000 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

As a Senior DevOps Engineer, you will architect, build, automate, and scale tools for product engineers. You will define and implement Kubernetes-based Ephemeral Infrastructure to support development and testing. | Candidates should have 5+ years of experience in a DevOps/SRE role and hands-on experience with Kubernetes in production. Proficiency in Golang and strong AWS services experience is also required. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart’s EPA (Environment Provisioning Agency) & Quality team is focused on building and maintaining critical supporting tooling for our AI lending products. We create developer-friendly solutions that enable our product teams to rapidly deploy and iterate. We partner closely with engineers across the company, ensuring our solutions are reliable at scale while staying simple and intuitive to use. As a Sr. DevOps Engineer at Upstart, you will help architect, build, automate and scale the tools used by product engineers to perform their pre-production development and testing. You will be instrumental in defining and implementing our Kubernetes-based “Ephemeral Infrastructure” and help us realize our data-driven mission of affordable credit. How you’ll make an impact Define and build the next generation of Upstart’s Ephemeral infrastructure Partner with XCUT teams to ensure all tools integrate seamlessly into Ephemeral Environments Drive major improvements in tooling and infrastructure alongside your teammates Enable product engineers to rapidly spin up fully functional environments for development, preproduction testing, pen-testing, lending partner demos, and other special use cases Evangelize Ephemeral tooling by delivering best-in-class documentation and processes Minimum Qualifications 5+ years of experience in a DevOps/SRE role 5+ years of deep, hands-on experience designing, deploying, and operating Kubernetes in production Proficiency and experience with Golang Strong experience with AWS services (EC2, S3, EKS) in production environments Expertise in Linux systems: architecture, administration, troubleshooting, and operations Preferred Qualifications Certified Kubernetes Administrator/Architect (CKA/CKAD) or equivalent certification Proven ability to inspire collaboration and stay engaged on a fully remote team Experience designing and building Kubernetes operators Strong CI/CD skills, including building pipelines with automated test coverage Broad DevOps expertise across scripting, IaC, automation, configuration management, and container orchestration Hands-on experience with tools like Kubernetes, ArgoCD, Artifactory, Harness, or similar platforms Position location This role is available in the following locations: Remote-United States Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $163,600—$226,400 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

As a Senior Software Engineer, you will design, develop, and optimize secure authentication and authorization systems. You will collaborate with cross-functional teams to enhance Identity and Access Management capabilities and improve platform scalability. | Candidates should have 7+ years of experience in developing large-scale distributed systems and strong proficiency in backend technologies. Hands-on experience with authentication and authorization protocols and a passion for clean code and architecture are essential. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: At Upstart, the Identity Platform Team plays a pivotal role in shaping the security and accessibility of our cutting-edge lending products, including Personal Loans, Auto Loans, and Home Loans. We are responsible for creating, securing, and managing borrower and partner identities, ensuring a seamless and secure experience at every touchpoint.As part of our team, you’ll work on the Authentication and Authorization Platform, driving both backend security and frontend user experiences. Our mission is to enable frictionless, secure authentication while safeguarding sensitive data from unauthorized access.If you’re passionate about building scalable security solutions and delivering intuitive user experiences, come be a part of a team that makes financial access more accessible, safer, smarter, and seamless for everyone! As a Senior Software Engineer on Upstart’s Identity Platform Team, you’ll play a critical role in building and securing our authentication and authorization systems. You will be responsible for ensuring that borrowers and partners experience a seamless, secure, and scalable identity framework across our lending products, including Personal Loans, Auto Loans, and Home Loans.You’ll work closely with vertical Engineering, Product, and Security teams to develop solutions that enhance security, improve authentication flows, and drive innovation in Identity and Access Management (IAM). This role is ideal for someone who enjoys solving complex technical challenges, values clean and scalable architecture, and is eager to make a significant impact on a high-visibility platform. How you’ll make an impact Design, develop, and optimize secure and scalable authentication and authorization systems. Collaborate with cross-functional teams to improve Identity and Access Management (IAM) capabilities, including OAuth, OpenID Connect, MFA, and SSO. Partner with Security teams to enhance security policies and standards, ensuring protection against threats and unauthorized access. Improve platform scalability by designing and implementing microservice based architectures. Drive best engineering practices for clean, maintainable, and efficient code. Participate in architectural discussions, helping to shape the long-term vision of Identity Platform. Mentor and collaborate with other engineers to elevate the team’s technical skills and knowledge. Work on high impact initiatives that solve for making credit accessible to everyone. Minimum Qualifications 7+ years of experience developing large-scale distributed systems in the cloud (AWS, GCP, or Azure). Strong proficiency in backend technologies (e.g., Kotlin, Java, Ruby, C#). Hands-on experience with authentication and authorization protocols (OAuth 2.0, OpenID Connect, SAML). Experience building scalable APIs using containerization technologies like Docker and Kubernetes. Understanding of security principles, including encryption, token-based authentication, and identity federation. Strong problem-solving and debugging skills, with an emphasis on performance optimization. Ability to balance the needs of the business with engineering best practices and security considerations. Passion for clean code, architecture, and continuous improvement of engineering processes. Experience with AI Coding tools such as Cursor, Claude Code etc. Excellent communication skills – able to translate complex technical concepts for a variety of stakeholders. Preferred Qualifications Experience working with IAM platforms and security services. Knowledge of A/B testing, gRPC, and DevOps practices. Experience with Keycloak, NextJS, and Ruby is a plus. Proven ability to influence technical direction without direct authority. Strong product and analytical mindset, capable of making trade-offs between risk, ROI, and performance. Experience working at companies experiencing rapid growth and scaling challenges. Strong sense of ownership and accountability for the quality and timely delivery of work Ability to influence and lead without direct authority Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular on-sites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and on-sites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $215,100—$237,700 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Lead financial forecasting, planning, and reporting for the balance sheet and net interest income. Collaborate with various departments to ensure accurate modeling and compliance with regulatory standards. | Candidates should have a BS/MS in Finance or related fields and at least 7 years of relevant experience. Strong expertise in balance sheet and liquidity management is essential. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: The FP&A team at Upstart plays an integral part in the company’s business and financial planning process. We are looking for a highly motivated and hard-working individual to join our team with a key role in managing balance sheet, cash and liquidity. As a Finance Manager at Upstart, you will drive and support all aspects of FP&A which includes in-depth financial and business planning, collaborating with business leaders across the company, and driving analyses for business and strategic cases. Through your efforts, we’ll be able to ensure the Upstart leadership team stays on top of our financial performance and risks. If you are naturally curious, love data, versed in financial modeling and analysis, and an excellent communicator who enjoys collaborating with people with a diverse set of talents, this could be a great opportunity for you. How you’ll make an impact Lead financial forecasting, planning, and reporting for the balance sheet, net interest income, and risk capital. Own forecasting accuracy for balance sheet composition, fair value adjustments, and net interest margin. Build and maintain financial models and BI dashboards for scenario planning, variance analysis, and executive reporting. Partner with Analytics, Accounting, Treasury, and Capital Markets to ensure accurate modeling and compliance with GAAP and regulatory standards. Drive process improvements and automation within FP&A to improve accuracy, efficiency, and scalability. Support month-end and quarter-end close, earnings prep, board materials, and business reviews with actionable insights Minimum Qualifications BS/MS in Finance, Economics, Computer Science, Statistics, or related field (or equivalent experience). 7+ years of relevant experience in FP&A, Accounting, Investment Banking, or Corporate Finance. Strong expertise in balance sheet, liquidity, and cash management. Familiarity with consumer credit capital markets, private credit, structured finance/products/transactions. Advanced proficiency in Excel/Google Sheets; adept at handling large datasets. Strategic thinker with strong analytical and problem-solving skills. Exceptional communication and presentation skills, with ability to influence senior leadership. Highly organized, able to manage multiple priorities under tight deadlines. Adaptable, independent, and effective in fast-paced environments. Preferred Qualifications CPA certification with strong knowledge of GAAP and fair value accounting principles. Experience with NetSuite and FP&A tools such as Adaptive Planning. Proficiency with business intelligence and reporting tools (e.g., Looker, Tableau, Mode). Familiarity with advanced analytics tools such as SQL, Python, or R. Prior experience in the consumer marketplace lending or fintech industry. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. [Only use this section if there are specific time zone requirements that this role must work in; if the role is remote-US or can work in any timezone in the US, please remove this section. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior --> use for L5, L6 At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $124,000—$172,000 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Lead strategy and execution of data platform, recommendation systems, and personalization engines to optimize customer engagement and growth. | 6+ years product management experience with data platforms or machine learning products, strong collaboration with engineering and data science, and ability to manage stakeholders. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team: Upstart's Growth team is dedicated to creating a seamless product experience that allows customers to effortlessly discover and access Upstart’s credit products. By building exceptional, customer-centric experiences, this team plays a crucial role in making Upstart the premier destination for consumer credit, driving growth and unifying Upstart’s product portfolio into a cohesive, multi-product marketplace. As Senior Product Manager, Growth Data & Personalization, you will own the strategy and execution of our data platform, recommendation systems, and personalization engines. You’ll ensure that Upstart delivers the right product, offer, and message to the right customer at the right time — across in-product experiences and marketing channels. You’ll collaborate with data science, engineering, marketing, and product teams to transform customer data into differentiated, high-value experiences that improve engagement and growth outcomes. How you’ll make an impact Lead strategy for our growth data platform, ensuring data pipelines, models, and systems are built to deliver real-time, scalable personalization across channels. Own the roadmap for recommendation and personalization engines, from offer ranking to content targeting, optimizing for both customer value and business growth. Partner with data science to design, test, and operationalize machine learning models that improve acquisition, cross-sell, and retention. Collaborate with marketing, product, and design to activate personalization consistently across customer touchpoints — email, push, landing pages, app, and in-product modules. Define and track success metrics, balancing model performance, experimentation velocity, compliance, and customer trust. Minimum Qualifications 6+ years of product management experience with customer data platforms, personalization systems, or machine learning-powered products. Strong track record of partnering with engineering and data science teams to build and scale data-driven platforms or recommendation systems. Ability to manage and influence stakeholders across marketing, product, and engineering, balancing technical complexity with business impact. Preferred Qualifications Experience with real-time personalization, recommendation systems, or marketing automation in a regulated industry. Proven ability to measure and communicate the ROI of personalization and data investments. Strong customer-centric mindset with the ability to translate data and model capabilities into intuitive, valuable customer experiences. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $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, high-performance services for real-time loan pricing, collaborate with cross-functional teams, mentor engineers, and improve platform reliability and developer experience. | 5+ years professional software development, proficiency in Python/Kotlin/Go or similar, experience with scalable APIs and microservices on cloud (AWS/GCP), strong problem-solving and communication skills, mentoring experience, and ability to work in fast-paced environments. | About Upstart Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you! The Team Upstart’s Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams. You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions. As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform. How You’ll Make an Impact Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products. Collaborate with data scientists and product managers to translate business goals into robust technical solutions. Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs. Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence. Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring. Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience. What We're Looking For Minimum Qualifications 5+ years of professional software development experience building scalable public or consumer-facing products. High level of proficiency coding in production with Python, Kotlin, Go, or languages with similar syntax. Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments. Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP). Strong problem-solving skills with an emphasis on scalability, performance, and system reliability. Excellent communication skills, able to explain complex technical topics to both technical and non-technical audiences. Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team. Exhibits a bias for action and comfort navigating ambiguity while driving towards impactful outcomes. Preferred Qualifications Background in finance / fintech, financial mathematics, statistics, or machine learning. History of thriving in diverse work environments: both collaborative and self-directed; remote and in-person. Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus). Recognized as a subject matter expert or technical owner for a critical domain, with a passion for sharing knowledge and best practices. Active contributor to the tech community through open source, technical talks, or mentorship. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. What you'll love: Competitive Compensation (base + bonus & equity) Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings Employee Stock Purchase Plan (ESPP) Life and disability insurance Generous holiday, vacation, sick and safety leave Supportive parental, family care, and military leave programs Annual wellness, technology & ergonomic reimbursement programs Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering Catered lunches + snacks & drinks when working in offices #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $163,600—$226,400 USD Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy