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).
Fintech · AI-native lending (FICO alternative)
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.
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 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 |
| 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 |
| 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 |
| 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 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 |
| 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 |
| 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 |
| 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 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 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 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 |
| 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 |
| 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 |
| 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 |
| Director of Analytics Upstart is seeking a Director of Analytics to lead their Credit Analytics team. This role involves owning the vision and roadmap for credit forecasting, valuation, and risk capital, building and scaling a team, and partnering with ML, Finance, and Capital teams to define and build the next generation of credit and capital infrastructure. The goal is to unify the company's credit risk narrative and ensure robust, explainable forecasts and valuations. | — | 5 |
| Manager of Privacy Compliance Manager of Privacy Compliance at Upstart, a fintech company. This role focuses on building and maturing the company's privacy program, embedding privacy controls into AI/ML systems, product lifecycles, and data pipelines, while ensuring compliance with financial and privacy regulations. Responsibilities include leading privacy risk assessments, supporting model governance, and maintaining privacy documentation. | — | 5 |
| Senior Collections Specialist This role is for a Senior Collections Specialist at Upstart, an AI lending marketplace. The primary focus is on helping borrowers overcome financial challenges through negotiation and personalized solutions, while achieving performance outcomes. The role involves collections performance, driving innovation in collections practices, and adhering to collections laws and compliance standards. | — | 5 |
| Principal Product Manager, Engagement Principal Product Manager, Engagement at Upstart, a fintech company focused on AI lending. This role will define and deliver the vision for user engagement across Upstart's ecosystem, building experiences that drive user activity, retention, and repeat usage. The PM will shape in-product experiences and touchpoints that deepen trust, promote financial wellness, and unlock monetization pathways, working cross-functionally with product, design, engineering, data science, and marketing. | — | 5 |
| Join our Product Talent Community! This is a job posting for a Product Talent Community at Upstart, a company focused on using AI to improve access to credit. The posting describes Upstart's mission, its AI-driven lending platform, and its company culture and benefits. It invites individuals interested in product roles to join their talent community to stay informed about future opportunities. | — | 5 |
| Director, Compliance & Control Oversight - Growth This role is for a Director of Compliance & Control Oversight focused on the growth engine of Upstart's AI lending marketplace. The primary focus is on ensuring compliance with consumer protection regulations, fair lending, and disclosure requirements across acquisition channels, marketing programs, and partner relationships. The role involves building and maintaining control frameworks, conducting root cause analysis for compliance matters, and influencing various teams (Growth, Product, Marketing, ML) while representing the business to second-line compliance, Legal, and auditors. The role requires leadership in building and developing a compliance team. | — | 1 |
| Business Development Representative Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This Business Development Representative role focuses on generating pipeline for the sales team by engaging dealership decision-makers and setting qualified meetings. The role involves high-volume outbound outreach, managing a territory, and meeting quotas. It requires experience in BDR/SDR roles, outbound prospecting, and using sales tools. | — | 1 |
| Operations Manager, Loan Processing Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This role is for an Operations Manager on the Personal Loans team, responsible for overseeing daily operations, managing team production and outcomes, and providing leadership to associates and Associate Operations Managers. The manager will ensure the team meets KPIs like productivity, turnaround times, and quality, and will collaborate with other departments to optimize strategies and processes. | — | 0 |
| Paralegal, Capital Markets Upstart is seeking a Paralegal to support its capital markets legal and business teams in day-to-day matters, including asset-backed securitizations, warehouse financings, and investment funds. The role requires strong organizational skills, the ability to work cross-functionally, and a quick understanding of regulatory regimes. | — | 0 |
| Senior Manager, Vendor Management Upstart is an AI lending marketplace that uses advanced AI to reduce the cost and complexity of borrowing. This role is for a Senior Manager, Vendor Management within the Secured Lending organization, responsible for building and leading the first-line risk and control infrastructure for secured lending products. The role involves overseeing critical third parties and outsourced activities, ensuring compliance with risk management frameworks, monitoring vendor performance, driving remediation, and maintaining contingency plans. The ideal candidate will have extensive experience in third-party risk management within a regulated financial services environment. | — | 0 |
| Lead Counsel, Corporate and Banking Upstart is seeking a Lead Counsel, Corporate and Banking to support its proposed OCC-chartered bank. This role will focus on corporate governance, board support, and affiliate transaction frameworks, including Regulation W compliance, Bank Holding Company Act, and Federal Reserve reporting. The position requires extensive experience in banking law and bank regulatory matters, with a focus on ensuring the bank operates in a compliant and scalable manner. | — | 0 |
| Lead Counsel, Corporate and Banking Upstart is seeking a Lead Counsel, Corporate and Banking to support its proposed OCC-chartered bank. This role will focus on corporate governance, board support, and affiliate transaction frameworks, including Regulation W compliance, Bank Holding Company Act, and Federal Reserve reporting. The position requires extensive experience in banking law and bank regulatory matters, with a focus on ensuring the bank operates in a compliant and scalable manner. | — | 0 |
| Lead Borrower Success Associate This role is for a Lead Borrower Success Associate at Upstart, an AI lending marketplace. The role focuses on supporting borrowers through the servicing experience, improving workflow efficiency, managing escalations, and partnering cross-functionally to implement scalable process improvements. It involves operational guidance, monitoring workflows, investigating complex issues, and identifying process gaps. The company uses AI extensively in its lending platform, but this specific role is not directly involved in building or researching AI models. | — | 0 |
| Lead Legal Counsel, Lending Partnerships Lead Legal Counsel for Lending Partnerships at Upstart, a fintech company using AI to improve credit access. This role involves drafting and negotiating commercial agreements, providing legal and strategic advice to the Lending Partnerships business, and developing transaction processes. Requires experience with B2B SaaS agreements and a strong understanding of regulated environments. | — | 0 |
| Senior Office Administrator This is a Senior Office Administrator role at Upstart, an AI lending marketplace. The role focuses on managing the day-to-day operations of the Easton office, ensuring a smooth, welcoming, and efficient work environment. Responsibilities include serving as a point of contact, overseeing daily operations, managing facilities, coordinating events, and responding to support requests. The role requires 3+ years of experience in office management or a related field, strong organizational skills, and proficiency in Google Suite. Experience in tech or high-growth environments is preferred. | — | 0 |
| Operations Manager, Auto Collections Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This role is for an Operations Manager on the Auto Collections team, responsible for leading a team of Collections Specialists to drive repayment outcomes, deliver empathetic and compliant customer interactions, and improve operational performance. The role involves coaching frontline talent, identifying process improvements, and ensuring compliance with company policies and regulatory requirements. | — | 0 |
| Senior Legal Counsel, Capital Markets This role is for a Senior Legal Counsel specializing in Capital Markets at Upstart, an AI lending marketplace. The role involves supporting financing transactions, structuring deals, managing legal risk, and providing guidance on legal matters related to capital markets and investor relations. The company uses AI extensively in its lending platform, but this role is focused on the legal and financial aspects of capital markets, not on building or directly working with AI models. | — | 0 |
| Office Management & Workplace Events Lead Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This role is for an Office Management & Workplace Events Lead in NYC, responsible for launching and operationalizing the new office, managing daily operations, vendor partnerships, and employee experience. | — | 0 |
| Executive Assistant Upstart is an AI lending marketplace that uses AI to reshape access to credit. This Executive Assistant role supports senior leadership by managing calendars, meetings, travel, and coordination, aiming to improve how leaders spend their time and how work progresses. The role requires experience in fast-paced environments, proficiency in Google Workspace, and the ability to use tools and technology, including AI, to streamline workflows. | — | 0 |
| Director of Corporate Communications Director of Corporate Communications at Upstart, an AI lending marketplace. This role focuses on shaping the company's story, managing media relations, executive visibility, and thought leadership to position Upstart and its leaders within conversations about lending, AI, and consumer finance. The role requires translating complex topics into clear narratives for external audiences and partnering across departments. | — | 0 |
| Creative Director, Brand Creative Director, Brand at Upstart, a fintech company using AI for lending. This role leads creative strategy and execution for owned brand channels (social, website, design systems) and drives brand campaign creative. It involves leading and developing a creative team, partnering with marketing and product, and evolving the use of AI tools in creative processes. Requires 10+ years of experience in brand creative/direction, with 4+ years in team leadership. Experience with consumer-facing tech or regulated industries and advanced fluency with AI-assisted creative tools are preferred. | — | 0 |
| Director of Treasury Risk This role is for a Director of Treasury Risk at Upstart, an AI lending marketplace. The primary focus is on establishing and leading the independent second-line treasury risk oversight program for a national bank application. Responsibilities include setting up risk frameworks, policies, and limits for liquidity, interest rate, price, and capital management, providing independent review and challenge to the first-line Bank Treasury team, and serving as the primary point of contact for bank examiners on treasury risk topics. The role requires deep knowledge of OCC and interagency requirements and guidance on treasury risk matters within a banking environment. | — | 0 |
| Director of Enterprise Risk Management Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. This role is for a Director of Enterprise Risk Management to lead and grow the Risk team's ERM function for Upstart Bank, focusing on establishing and enhancing the bank's ERM program and framework, including risk appetite, assessment processes, risk metrics, and governance. The role will also oversee the operational risk team and serve as a point of contact for regulators. | — | 0 |
| Compliance Assistant Manager, HELOC This role is for a Compliance Assistant Manager at Upstart, an AI lending marketplace. The primary focus is on ensuring compliance for Home Equity Lines of Credit (HELOC) processes and requirements within a bank or bank-regulated environment. Responsibilities include advising on compliant processes, reviewing product designs, implementing controls, managing regulatory changes, reviewing marketing content, overseeing servicing compliance, running independent monitoring, and managing issue resolution. The role requires significant experience in mortgage or home equity regulatory compliance and knowledge of various consumer protection laws. | — | 0 |
| Assistant General Counsel, Commercial Upstart is seeking an Assistant General Counsel, Commercial to lead a team of commercial attorneys. This role will involve negotiating and drafting contracts for all third-party agreements and supporting the lending partnerships sales team. The ideal candidate will have extensive experience in commercial transactions, team management, and contract law, with a strong preference for banking and fintech legal experience. | — | 0 |
| Senior Human Resources Business Partner, Ops Upstart is a fintech company that uses AI to improve access to credit. This role is for a Senior Human Resources Business Partner supporting Operations and Risk teams. The HRBP will coach leaders, manage performance, handle employee relations, and support HR programs. The role requires HR experience and strong interpersonal skills. | — | 0 |
| Director of Fair Lending Director of Fair Lending at Upstart, a fintech company focused on AI-driven lending. This role leads the Fair Lending program, ensuring compliance with regulations like ECOA/FHA, and partners with Legal, Product, and ML teams. Responsibilities include owning the risk assessment framework, developing mitigation strategies, and communicating with senior leadership and regulators. Requires extensive experience in fair lending and consumer protection within financial services, with a strong understanding of relevant laws and experience managing compliance programs. Familiarity with predictive modeling and partnering with technical teams is preferred. | — | 0 |
| Lead Legal Commercial Counsel, Lending Partnerships This role is for a Lead Legal Commercial Counsel, Lending Partnerships at Upstart, an AI lending marketplace. The role involves providing legal and strategic advice, drafting and negotiating commercial agreements, and developing processes for commercial transactions. The company uses AI to reshape access to credit and its platform makes over a million predictions per borrower. | — | 0 |
| Assistant General Counsel, Capital Markets Legal Upstart is seeking an Assistant General Counsel, Capital Markets Legal to partner with the capital markets team to structure securitization transactions, draft and negotiate transactional documents, and manage a team of attorneys. This role involves influencing internal and external stakeholders and creating internal legal education. The ideal candidate has a JD, 12 years of experience in structured finance or debt finance, and prior experience managing a legal team. | — | 0 |