Upstart
Fintech · AI-native lending (FICO alternative)
- HQ
- San Mateo, US
- Founded
- 2012
- Funding
- Public (UPST)
- Website
- upstart.com
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.
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 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 |
| 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 |
| 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 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 |
| 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 |
| 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 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |