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 |
| 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 |
| 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 |
| 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 |
| 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 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 |
| 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 |
| 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 |
| 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 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 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 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 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 |
| 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 |
| Senior Engineering Manager, Distribution Platform Senior Engineering Manager for Upstart's Distribution Platform team, focusing on developing and scaling marketing outreach solutions. The role involves defining engineering roadmaps, leading a team, leveraging data for growth strategies, and building direct mail and digital infrastructure. While the company heavily utilizes AI, this specific role is focused on the engineering management and platform aspects of marketing distribution channels, rather than direct AI/ML model development. | — | 5 |
| Director, Software Engineering, Mobile Platform Lead and scale Upstart’s Mobile Platform organization, shaping and driving the overall mobile platform strategy. This role is responsible for building shared platform capabilities, accelerating mobile development, expanding reach, and maximizing customer lifetime value through a robust native iOS application. Collaborates closely with Product Management, Legal & Compliance, UX/UI Design, Data Analytics, and Loan Product teams. | — | 5 |
| Senior Engineering Manager, Offer Delivery Senior Engineering Manager for Upstart's Offer Delivery Team, focused on driving user growth and engagement through intelligent targeting, personalized offer generation, and scaling infrastructure. This role involves defining roadmaps, leading engineering teams, leveraging data for optimization, and creating a best-in-class offer generation system. | Ship | 5 |
| Software Engineer, Verifications Platform Upstart is a fintech company that uses AI to improve access to credit. This Software Engineer role on the Verifications Platform team will build and scale backend services for automated approval decisions, verification workflows, and fraud detection. The role involves integrating with third-party data providers, ML models, and internal rule engines to ensure accurate, compliant, and automated lending decisions. The goal is to achieve fully automated decisioning while maintaining risk correctness and compliance. | — | 5 |
| Principal Site Reliability Engineer Upstart is seeking a Principal Site Reliability Engineer to own the reliability, resiliency, and observability of their production systems. This role involves building automation, tooling, and frameworks to ensure infrastructure health and scalability, defining technology operations risk strategy, and implementing disaster recovery planning. The Principal Engineer will act as a thought leader, driving adoption of SRE best practices, mentoring engineers, and influencing technical and business decisions. They will collaborate with various teams including Product Engineering, DevEx, Data Engineering, and Machine Learning to enhance operational excellence. Key responsibilities include leading SRE principle adoption, shaping reliability strategies, championing observability tools, building self-healing systems, improving incident response for ML systems, and driving cross-functional initiatives. | — | 5 |
| Principal Software Engineer, Cash Line Principal Software Engineer for Upstart's new Cash Line revolving credit product. This role involves designing and building core backend systems for underwriting, pricing, and servicing, with a strong emphasis on integrating AI and generative AI capabilities into both the product and internal workflows. The engineer will work in a greenfield environment, collaborating with product, ML, and other stakeholders to deliver a category-defining credit experience. | Ship | 5 |
| Principal Application Security Engineer This role focuses on application security engineering within a fintech company that utilizes AI. The Principal Application Security Engineer will define and drive the application security strategy, conduct security architecture reviews, lead threat modeling for various systems including ML/AI pipelines, and design security guardrails across the SDLC. The role requires strong leadership and collaboration skills to influence secure system development and reduce systemic risk. | — | 5 |
| Principal Credit Analytics This role is for a Principal Credit Analytics at Upstart, a fintech company focused on AI-driven lending. The role involves leading credit forecasting, valuation, and risk capital analytics to inform portfolio strategy and funding decisions. It requires strong analytical and technical skills, experience in credit risk within fintech, and collaboration with ML, Finance, and Product teams. The primary focus is on analytics and insights that support the company's AI-powered credit platform, rather than direct AI/ML model building. | — | 5 |
| Senior Engineering Manager, Marketplace Senior Engineering Manager for Upstart's Marketplace Optimization team, responsible for leading engineering squads to build and scale production systems that optimize market-level outcomes. This role involves defining technical roadmaps, managing and mentoring engineers, driving technical excellence in scalable services and data pipelines, and ensuring operational reliability in a regulated fintech environment. The focus is on translating business goals and ML signals into reliable, performant, and safe production services that directly impact borrower outcomes and capital performance. | Ship | 5 |
| Principal Software Engineer, Capital Marketplace Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This Principal Software Engineer role on the Capital Marketplace team will focus on defining the technical roadmap, guiding architectural evolution, and leading initiatives to improve engineering processes and productivity. The role requires strong collaboration with various engineering and product teams, and a focus on driving business impact. | — | 5 |
| Senior Engineering Manager, Upstart Bank Senior Engineering Manager for Upstart Bank, leading teams responsible for critical areas of a modern banking platform. Focuses on translating product, regulatory, and operational priorities into technical plans and reliable execution across systems like payments, funding, reporting, and integrations. Requires experience in regulated environments and building scalable, reliable, and audit-ready infrastructure. | — | 1 |
| Manager, Treasury Risk Upstart is a fintech company that uses AI to improve access to credit. This role is for a Manager, Treasury Risk, responsible for building and executing the bank's second-line Treasury risk oversight program. The role involves monitoring key risk indicators, challenging first-line activities, preparing reports for senior management and the board, and ensuring compliance with regulatory guidance. | — | 0 |
| Bank Accounting and Regulatory Reporting Senior Associate 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 Associate on the Bank Accounting and Regulatory Reporting team, responsible for preparing accounting records and regulatory filings for the Upstart Bank and Bank Holding Company. The role requires technical accounting knowledge, sound judgment, and the ability to manage reporting responsibilities independently, ensuring completeness, accuracy, and timeliness of financial operations and compliance with regulatory expectations. | — | 0 |
| IT Support Analyst This role is for an IT Support Analyst at Upstart, focusing on managing and resolving technology issues for employees. Responsibilities include handling help desk inquiries, onboarding/offboarding, providing IT training, documenting processes, and troubleshooting systems like Okta, GSuite, and Slack. The role is office-based in Columbus, OH. | — | 0 |
| Senior Software Engineer Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This Senior Software Engineer role on the Bank Technology team will design and build internal applications that power critical bank functions, focusing on software systems, automation, integrations, and platform tooling to replace manual processes with scalable solutions. The role requires experience in designing and building production web applications, relational databases, and APIs, with a preference for experience in regulated environments and internal tooling. | — | 0 |
| Senior Manager, Technology Risk This role is for a Senior Manager, Technology Risk at Upstart, an AI lending marketplace. The role focuses on establishing and leading the second-line technology and information security risk oversight program for Upstart Bank, ensuring alignment with regulatory expectations (OCC, FDIC, FFIEC). Responsibilities include independent review of technology and security controls, risk assessments, reporting to regulators and leadership, and managing a team. Requires experience in technology risk management within a banking/financial services environment and familiarity with regulatory standards. | — | 0 |
| Payroll Specialist This role is for a Payroll Specialist at Upstart, a fintech company focused on AI lending. The specialist will be responsible for full-cycle US domestic payroll processing, managing time tracking, auditing payroll data, assisting with compliance matters, and processing equity events. The role requires meticulous attention to detail and confidentiality. | — | 0 |
| Principal Program Manager, Tech Risk (BC/DR) This role is for a Principal Program Manager, Tech Risk (BC/DR) at Upstart, a fintech company focused on AI lending. The role involves leading the enterprise business continuity and disaster recovery program, ensuring operational resilience and compliance with bank-grade standards. It requires experience in business continuity, disaster recovery, and operational resilience, particularly within regulated financial services environments. | — | 0 |
| Recruiting Coordinator (Contract) This role is for a Recruiting Coordinator at Upstart, an AI lending marketplace. The coordinator will be responsible for interview scheduling, ensuring a seamless candidate experience, and maintaining candidate records in the applicant tracking system. The role requires strong organizational and communication skills, with experience in recruiting operations and scheduling tools being a plus. The company uses AI extensively in its lending platform, but this role is not directly involved in building or deploying AI. | — | 0 |
| Senior Security Engineering Manager, Product Security Lead a team responsible for scaling security engineering practices across application security, infrastructure security, offensive security, and product security at Upstart, an AI lending marketplace. The role involves defining roadmaps, managing engineers, partnering with cross-functional leaders, and strengthening secure-by-design practices across the SDLC and cloud infrastructure. | — | 0 |
| Senior Security Engineering Manager, Enterprise Security Upstart is an AI lending marketplace that uses AI to reshape access to credit. This role is for a Senior Security Engineering Manager, Enterprise Security, focusing on building and maturing security programs across enterprise security, security operations, and detection engineering to protect the company's systems, products, and data. The role involves leading a team, defining security strategies, building proactive controls, improving threat detection and response, and driving cross-functional security initiatives. | — | 0 |