Upstart

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Upstart is an AI lending marketplace that uses AI to reshape access to credit. This IT Support Analyst role provides frontline support for devices, access, and core workplace technology, serving as the primary onsite IT presence in the New York City office. Responsibilities include troubleshooting, ticket execution, onboarding/offboarding, and improving IT systems and processes.

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.

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.