Upstart
Fintech · AI-native lending (FICO alternative)
- HQ
- San Mateo, US
- Founded
- 2012
- Funding
- Public (UPST)
- Website
- upstart.com
Currently tracking 7 active AI roles, up 19% versus the prior 4 weeks. Primary focus: Serve · Engineering. Salary range $164k–$226k (avg $195k).
Upstart currently has 12 active AI-related job listings. The majority of these roles are focused on serving infrastructure, accounting for 33% of the openings, followed by agents at 25%. Engineering is the dominant function, with 11 out of the 12 roles. Frequent tech tags include model serving, inference infrastructure, and recommender systems, suggesting a focus on deploying and optimizing AI models.
Fintech · AI-native lending (FICO alternative)
Upstart currently has 7 active AI-related roles in our index. The most common open titles are: Principal Applied Scientist, Principal Product Manager, Agentic Platform, Principal Software Engineer, Machine Learning Simulations , Senior Engineering Manager, Marketplace, Senior Engineering Manager, Offer Delivery. Most positions are in Engineering and Product.
Upstart's active AI hiring is concentrated in: application (43%), agents (29%), serving infrastructure (29%). These categories follow a seven-stage AI lifecycle: data, pre-training, post-training, serving infrastructure, agents, evaluation, and application.
Job postings at Upstart most frequently reference: model serving, recommender systems, inference infra, agent orchestration, tool use.
In the past 30 days, Upstart has posted 1 new AI-related role.
| Title | Stage | AI score |
|---|---|---|
| Principal Engineer, LLM Principal Engineer for Upstart's GenAI Core Platform team, responsible for technical leadership, roadmap definition, architecture, and adoption strategy for a new GenAI platform. The role focuses on enabling safe, efficient, and responsible LLM use across the company, identifying and solving systemic technical risks, and establishing operational standards for GenAI integrations. This includes building scalable systems for model inference, orchestration, compliance, and accelerating engineer productivity. | ServeAgent | 9 |
| Principal Product Manager, Agentic Platform Principal Product Manager for Upstart's Agentic Platform, responsible for the long-term vision, strategy, and roadmap of the internal AI infrastructure that powers autonomous agents. The role focuses on enabling non-technical users to build, test, and deploy agents safely and efficiently, covering aspects like configuration, evaluation, orchestration, and integration. It requires defining architectural strategy for agentic systems, including RAG and tool usage, and ensuring reliability and compliance in a regulated environment. | Agent | 8 |
| Staff+ Machine Learning Engineer Staff+ Machine Learning Engineer at Upstart, focusing on building the foundational technology for ML platform. This role involves creating scalable tools and systems to accelerate model development, including a unified embeddings platform, streamlined feature engineering, automated continuous learning, and scaled training pipelines. The goal is to improve predictive accuracy and multiply the effectiveness of ML teams. | ServeData | 8 |
| Senior Manager, Machine Learning Upstart is seeking a Senior Manager, Machine Learning to lead a small, nimble team of individual contributors. This is a highly technical player-coach role where the manager will spend roughly 50/50 split between technical execution and management. The role involves leading ML innovation for new products, building core models, optimizing mature models, and translating model predictions into business impact within the fintech domain. The team focuses on generalist ML leaders who can be deployed to areas of high impact, including new initiatives and scaling existing models. | ShipData | 8 |
| Principal Applied Scientist This role focuses on defining the long-term technical direction for Upstart's offer optimization and conversion modeling systems. The Principal Applied Scientist will work across teams to ensure models and optimization systems account for downstream effects, marketplace constraints, and customer outcomes. The work involves structuring ambiguous problem spaces, designing solutions for multi-stage customer journeys, and providing technical oversight. It sits at the intersection of operations research, optimization, causal machine learning, and production decision systems. | Agent | 7 |
| Senior Software Engineer, Personalization & ML Senior Software Engineer role focused on personalization and ML within Upstart's Servicing Engineering team. The role involves embedding ML models into product and operational workflows, advancing the experimentation platform, improving strategy performance evaluation, and scaling model-driven decisioning through feature pipelines and data integrations. The goal is to personalize borrower experiences and improve servicing decisions using AI. | AgentEval Gate | 7 |
| Senior Software Engineer, Cash Line Senior Software Engineer role at Upstart focused on building backend systems for a new AI-driven revolving credit product. The role involves designing and delivering production-grade services for underwriting, pricing, and servicing, with a strong emphasis on integrating AI decisioning into real-time user flows and applying generative AI to customer-facing features and internal tooling. Requires experience with distributed systems, object-oriented programming, and fluency with generative AI systems in production. | Ship | 7 |
| Principal Software Engineer, Machine Learning Simulations Principal Software Engineer to build and operate an MLOps platform for ML model inference, process automation, model deployment, and observability, as well as a marketplace simulation platform for ML and Finance teams at Upstart, a leading AI lending marketplace. | ServeEval Gate | 7 |
| Software Engineer, Conversion Software Engineer on the Conversion Engineering team at Upstart, focusing on optimizing the borrower application journey to improve conversion rates and revenue. This role involves building and evolving user-facing systems, partnering with Product, Design, and Machine Learning teams, and contributing to architectural direction for next-generation funding forms. The position requires full-stack web application experience and experience in fintech or regulated environments is preferred. | — | 5 |
| Staff Credit Analyst (Temporary) This role supports the migration of credit analytics and operational processes from legacy spreadsheets to a new internal platform. The Staff Credit Analyst will execute testing plans, perform reconciliations, troubleshoot issues with Engineering and Product teams, develop reporting and validation processes, support go-live activities, and contribute to change management. The role will leverage AI agents and modern tooling to accelerate these efforts. The ideal candidate has 6+ years of experience in credit analytics, advanced SQL, and experience with data validation and reconciliation. | — | 5 |
| Senior Software Engineer, Auto Upstart is a fintech company that uses AI to improve access to credit. This Senior Software Engineer role on the Auto Direct team will focus on building and improving product features, eligibility systems, and workflow automation for their auto-secured personal loan product. The role involves partnering with cross-functional teams to deliver scalable engineering solutions in a regulated environment. | — | 5 |
| Credit Risk Manager This role is for a Credit Risk Manager at Upstart, an AI lending marketplace. The manager will oversee credit risk for consumer lending products, ensuring the safety and soundness of underwriting. Responsibilities include developing monitoring frameworks, establishing risk indicators, challenging 1LOD model development, and partnering with ML, Product, and Risk teams. The role requires experience in consumer credit risk management, portfolio analytics, and using data analysis tools like SQL, Python, or R. Knowledge of ML concepts and banking regulatory requirements is preferred. | — | 5 |
| Principal Software Engineer Principal Software Engineer role at Upstart, focusing on building internal platforms, security automation, and operational systems for their AI lending marketplace. The role involves technical leadership, architectural direction, and solving complex challenges to enable secure, scalable, and maintainable solutions for critical bank operations. While the company heavily utilizes AI, this specific role is focused on the engineering and platform aspects supporting those operations, rather than direct AI/ML model development. | — | 5 |
| Sr Manager, Product Quality Oversight Upstart is seeking a Sr. Manager, Product Quality Oversight to build and lead a new product quality function within a newly chartered OCC-regulated bank. This role will design the operating model, quality methodologies, governance processes, and team structure to ensure lending products are operating correctly, compliantly, and as designed. The position requires experience in consumer lending quality control, product quality, compliance testing, or operational risk, with a strong understanding of consumer lending regulations. | — | 5 |
| Product Quality Manager Product Quality Manager at Upstart, an AI lending marketplace. The role focuses on building and operating a quality control program for secured lending products (Home Lending, Auto Lending). Responsibilities include leading quality control execution, overseeing sampling methodology, serving as product owner for the QC Engine, driving root cause analysis, developing quality reporting, preparing for audits, and partnering with various teams. The role requires experience in consumer lending quality control, compliance, and risk management, with a preference for experience with AI-powered QC tools. | — | 5 |
| Senior Director, Operational Excellence Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This role is for a Senior Director of Operational Excellence within the Lending Operations team, responsible for leading functions like Issue Management, Customer Complaints, Identity Theft & Credit Disputes, and Quality Control. The role involves developing strategy, operating models, and team structures to ensure consistent execution, regulatory readiness, customer-centric outcomes, and continuous improvement. The candidate will partner with various departments including Operations, Compliance, Legal, Risk, Product, and Engineering to strengthen controls and mitigate risks. This is a leadership role requiring extensive experience in operations, risk, and compliance within regulated financial services environments. | — | 5 |
| Senior Software Engineer, Pricing Senior Software Engineer on the Core Pricing team at Upstart, a fintech company. This role focuses on designing and implementing scalable, low-latency services that convert ML underwriting outputs into risk and profitability measures for real-time pricing decisions. The engineer will also drive architectural improvements and mentor other engineers. | — | 5 |
| Senior Software Engineer Senior Software Engineer role at Upstart, an AI lending marketplace. The role focuses on building and maintaining borrower-facing systems for the Home Lending Borrower Experience team, impacting application completion, customer satisfaction, and scalability. Responsibilities include owning production quality, leading technical design, making technical tradeoffs, and improving team execution. Requires experience with production software systems, backend or UI engineering, and owning production systems. Preferred qualifications include knowledge of financial technology and experience with application funnels. | — | 5 |
| Operations Manager, Auto Loan Processing Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This role manages the Auto Loans Onboarding team, overseeing daily operations, team production, and outcomes for Auto-Refinance, Auto-secured Personal Loan, and Auto-Indirect lending products. The manager will ensure the team meets KPIs, develop strategies to optimize performance, and collaborate with other departments. Requires strong people management, operations experience, and a proven track record in a fast-paced environment. | — | 5 |
| Senior Product Manager, ASPL Upstart is seeking a Senior Product Manager for their Auto Secured Personal Loans (ASPL) team. This role will drive the strategic direction and execution of a cross-functional team to grow the ASPL product. The PM will work with engineers, designers, marketing, research scientists, data analysts, legal, compliance, and operations to understand and improve the product. Key responsibilities include understanding borrower needs, defining strategy for ASPL offering, analyzing and removing limitations, and partnering with various teams for execution and capital markets onboarding. The role requires strong product management experience, analytical problem-solving, and communication skills. Fintech or consumer lending experience, and experience with KYC/KYB or verifications with AI automation are preferred. | — | 5 |
| Senior Software Engineer - Partner Integrations and Origination Platform Upstart is a fintech company that uses AI to power its lending marketplace. This role is for a Senior Software Engineer on the Partner Integrations and Origination Platform team. The team builds and scales systems for loan originations, focusing on reliability, observability, and scalability. The engineer will design and build backend services, modernize infrastructure, and create platform capabilities for onboarding partners and launching lending experiences. They will also collaborate with various teams, drive technical discussions, and participate in operational support. The role mentions using AI-assisted development tools. | — | 5 |
| Senior Software Engineer, Foundations Upstart is a fintech company that uses AI to improve access to credit. The Foundations team builds and maintains large-scale data platforms for marketing initiatives, including audience segmentation and attribution systems. This Senior Software Engineer role focuses on scaling and extending backend data systems and pipelines to support these marketing operations, ensuring data quality, reliability, and observability. | — | 5 |
| Senior Loan Processor, Auto This role is for a Senior Loan Processor at Upstart, an AI lending marketplace. The primary responsibility is to manually review and process auto loan applications that go beyond instant AI approvals. This involves verifying customer documentation, assessing income, and ensuring compliance with policies. The role also contributes feedback to improve operational processes and automation. While the company heavily utilizes AI, this specific role focuses on the manual processing and quality assurance aspects of the loan application lifecycle, acting as a gatekeeper for AI-approved applications. | — | 5 |
| Senior Engineering Manager, Cash Line This role is for a Senior Engineering Manager at Upstart, leading a team focused on scaling their Cash Line product and platform. The company uses AI for lending decisions, but this role is primarily about managing the engineering team and product delivery, not direct AI/ML model development. | — | 5 |
| SecOps Engineer This role focuses on building automated response mechanisms, triaging alerts, hunting for threats, and contributing to a security data lake. It involves integrating AI analysis and SOAR technology to automate investigation and response processes within the security operations function. | — | 5 |
| Staff Data Analyst This role is for a Staff Data Analyst at Upstart, a fintech company focused on AI-driven lending. The analyst will partner with Operations and Product teams to provide data-driven insights, build scalable dashboards and reporting, conduct root cause analyses, and support product experiments. The role emphasizes influencing strategy and improving operational efficiency and borrower outcomes. While the company heavily utilizes AI, this specific role is focused on data analysis and reporting rather than direct AI/ML model development. | — | 5 |
| Head of Collections and Loss Mitigation Lead and evolve Upstart’s internal collections and loss mitigation operations. Drive measurable improvements in performance, operational efficiency, and borrower experience by scaling high-performing systems, strengthening operational rigor, and building a high-performing team of managers. This role combines strategic operational leadership with hands-on execution in a complex and evolving environment. | — | 5 |
| Software Engineer, Lifecycle Software Engineer II on the Lifecycle Platform team at Upstart, a fintech company focused on AI-driven lending. The role involves designing and building scalable backend services for a unified communications platform (SMS, email, push), developing real-time messaging systems, and translating data into marketing capabilities. This position partners closely with marketing, data, and ML teams, requiring strong backend development, microservices, and cloud experience. | — | 5 |
| Senior Lifecycle Manager, Emerging Markets (contract) Upstart is an AI lending marketplace that uses AI to help millions of customers access credit. The Senior Lifecycle Manager, Emerging Markets will own and scale lifecycle marketing for new and growing products, focusing on customer acquisition and engagement across the full customer journey. This role involves designing and optimizing multi-channel customer journeys, leveraging data analysis and experimentation to drive growth and retention. | — | 5 |
| Principal Analyst, Growth Marketing Upstart is a fintech company that uses AI to power its lending marketplace. This role is for a Principal Analyst on the Growth Marketing team, focusing on driving profitable business growth through advanced analytics and measurement frameworks for digital marketing channels. The role involves partnering with marketing, product, and engineering teams, leading the evolution of measurement strategies (MMM, incrementality testing), designing quantitative analyses and experiments, and collaborating on data infrastructure for borrower acquisition and retention. Requires strong analytical skills, expertise in growth/marketing analytics techniques, and proficiency in data analysis tools. | — | 5 |
| Infrastructure Security Engineer Upstart is seeking an Infrastructure Security Engineer to secure its cloud, compute, platform, and deployment layers. The role involves designing and implementing security controls, partnering with engineering teams, building automation for infrastructure security, and responding to production security issues. A key responsibility includes assessing and improving security controls for AI-assisted developer workflows and GenAI-enabled systems. | — | 5 |
| Principal UX Researcher Upstart is seeking a Principal UX Researcher to establish and scale their UX research practice. This role will define research methodologies, lead strategic studies, enable designers and PMs in conducting research, build research infrastructure, and partner with leaders to influence product decisions. The role requires experience in building research practices, leading impactful research initiatives, and working in complex, multi-product environments, with a preference for experience in regulated environments and financial services. | — | 5 |
| Senior Software Engineer, Upstart Bank Upstart is a fintech company that uses AI to improve access to credit. This role is for a Senior Software Engineer on the Upstart Bank team, which focuses on simplifying regulatory infrastructure and expanding credit access. The engineer will design and build scalable systems for the bank's operations, including funding, payments, reporting, and integrations, in a regulated environment. | — | 5 |
| Senior Product Designer, Payments This role focuses on designing AI-powered payment experiences for Upstart, a leading AI lending marketplace. The Senior Product Designer will lead the design of intuitive and trustworthy interactions across web interfaces and conversational AI agents, impacting borrower financial health. The role involves translating complex payment workflows into user-friendly experiences, defining interaction patterns for conversational interfaces, and using data to iterate on designs. | — | 5 |
| Product Designer, Unsecured Lending Product Designer for Upstart's Unsecured Lending team, focusing on borrower-facing experiences for personal loans and revolving credit products. The role involves designing end-to-end user journeys, translating requirements into various design artifacts, and collaborating with product managers and engineers. Requires proficiency in Figma and GenAI tools, with experience in complex multi-step flows and regulated consumer products being preferred. | — | 5 |
| Senior Manager, Risk Analytics Upstart is a fintech company that uses AI to improve credit access. This role is for a Senior Manager, Risk Analytics, focusing on building and owning the Risk team's data and analytics program, including KRIs and quantitative risk reporting infrastructure. The role involves designing risk data models, establishing KRIs, implementing monitoring and reporting, and supporting risk assessments and regulatory requests within a regulated banking environment. | — | 5 |
| Senior Performance Marketing Manager, Direct Mail and Offline Growth, Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This role is for a Senior Performance Marketing Manager focused on Direct Mail and Offline Growth, specifically for their HELOC product. The manager will own channel strategy, targeting, creative, and execution to drive efficient customer acquisition. They will partner with ML and Data Science teams to refine targeting models and design testing frameworks to evaluate performance. The role involves P&L responsibility and collaboration with cross-functional teams. | — | 5 |
| Senior Software Engineer - Pricing Senior Software Engineer on the Core Pricing team at Upstart, focusing on evolving systems that power loan pricing. The role involves designing and implementing scalable, low-latency services that convert ML underwriting outputs into risk and profitability measures, and driving architectural improvements for the pricing platform. This is an engineering role that leverages AI outputs but does not build the core AI models themselves. | Serve | 5 |
| Senior Product Marketing Manager Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This Senior Product Marketing Manager role focuses on owning product positioning and messaging, leading go-to-market efforts, and developing sales enablement strategies to support pipeline growth and deal execution. The role requires defining product positioning, shaping go-to-market strategies, leading cross-functional product launches, developing sales materials, and synthesizing field insights. The ideal candidate has experience in product marketing, preferably in fintech or B2B environments serving banks, with a proven ability to distill complex information into compelling messaging and lead cross-functional initiatives. | — | 5 |
| Senior Engineering Manager, Platform Delivery Upstart is an AI lending marketplace that uses advanced AI to reshape access to credit. The Delivery team enables engineers to build, test, and ship software safely through a reliable, secure, and auditable delivery system. This Senior Engineering Manager role focuses on improving the reliability, speed, and usability of Upstart’s software delivery platform, driving high-impact improvements to developer workflows and reducing friction in the path to production. | — | 5 |
| Principal Product Manager, Pricing Platform Upstart is seeking a Principal Product Manager for their Pricing Platform team. This role will define and drive the strategy for the platform that powers loan pricing and offer delivery. The position requires deep platform thinking, strong technical fluency, and the ability to balance near-term reliability with long-term investments. The ideal candidate will have experience building or managing backend platforms/infrastructure and working with engineering teams on large-scale systems. | — | 5 |
| Principal Technical Program Manager Upstart is a fintech company that uses AI to improve access to credit. This Principal Technical Program Manager role focuses on driving execution of critical engineering initiatives, improving engineering velocity, strengthening operational excellence, and increasing Upstart's ML advantage. The role requires managing complex technical programs from concept to launch, working with distributed systems, and influencing stakeholders. | — | 5 |
| Senior Home Lending Underwriter This role is for a Senior Home Lending Underwriter at Upstart, an AI lending marketplace. The underwriter will evaluate loan applications, make credit decisions, validate income and assets, and identify potential fraud risks. The role requires strong residential mortgage underwriting experience and the ability to ensure loan quality and compliance with policy and regulations. While Upstart uses AI extensively, this specific role focuses on the application of credit policy and risk assessment, not the direct development or deployment of AI models. | — | 5 |
| Principal Product Analyst Upstart is a fintech company that uses AI and advanced ML models to power its lending marketplace. This Principal Product Analyst role will partner with Product, Engineering, and ML teams to drive product strategy, lead experimentation, and execute behavioral analyses for unsecured installment products. The role requires strong SQL, statistical programming, A/B testing, and BI tool experience. | — | 5 |
| Director of Engineering, Upstart Bank Director of Engineering for Upstart Bank, focusing on building and leading the engineering organization responsible for core banking platforms. This role involves defining technical strategy, organizational design, and execution for systems like ledgering, funding, deposits, payments, marketplace integrations, and reporting, ensuring scalability, reliability, and auditability in a regulated environment. | — | 5 |
| Senior Data Platform Engineer Senior Data Platform Engineer responsible for designing and building scalable data platform infrastructure, including distributed systems for data discovery, metadata management, and data access. The role involves developing self-serve tooling, improving data reliability and observability, and partnering with ML engineers and analysts. A key aspect is contributing to platform evolution in areas like metadata services, natural language data access, and AI-enabled data interactions. | — | 5 |
| Senior Software Engineer, Borrower Experience Senior Software Engineer on the Borrower Experience team at Upstart, focusing on building and evolving borrower-facing servicing experiences across web, mobile, and AI-powered channels. The role involves designing and developing scalable solutions to reduce borrower friction, improve payment success, and enable self-serve paths, with an emphasis on integrating AI-powered surfaces and potentially LLM/agentic systems. | Agent | 5 |
| Senior Security Engineer Upstart is an AI lending marketplace that uses advanced AI to reshape access to credit. This Senior Security Engineer role focuses on identifying and mitigating risk, building security controls, and developing software solutions to proactively solve security problems within the organization. The role involves architecting and building software, mentoring engineers, improving systems by learning from signals, and serving as a technical authority during incidents. | — | 5 |
| Senior Engineering Manager, ASPL Upstart is seeking a Senior Engineering Manager for their ASPL team, which focuses on auto-secured lending products. The role involves leading a team to increase eligibility, improve conversion, and build new product capabilities. Responsibilities include setting execution priorities, developing engineers, partnering with cross-functional stakeholders, and using data to drive improvements. The company heavily utilizes AI and advanced AI in its lending marketplace. | — | 5 |
| Staff Data Analyst, Servicing This role is for a Staff Data Analyst on the Servicing Analytics team at Upstart, an AI lending marketplace. The analyst will partner with Servicing product management, operations, engineering, and ML teams to drive understanding, insights, and data infrastructure for recoveries and collections strategy. Responsibilities include identifying opportunities, designing experiments, conducting quantitative analysis, building BI pipelines, and collaborating with engineering teams to improve data capabilities. The role requires 8+ years of experience in analytical roles in tech and finance, proficiency in SQL, Python/R, experience with large datasets and data pipelines, and a quantitative degree. Experience with A/B testing, consumer lending, and mentoring junior members is preferred. | — | 5 |