Upstart

Leads the identification, negotiation, and close of bank and credit union capital partnerships, developing deal strategies aligned with institutional funding needs and risk appetite. Requires 6+ years in complex lending deals, corporate strategy, or business development and an established financial-institution network.

Leads lifecycle marketing strategy, performance, infrastructure, and team development across a multi-product portfolio. Requires 10+ years of B2C lifecycle marketing experience, people leadership, enterprise marketing automation expertise, and ownership of revenue-driven programs.

Own and scale paid digital acquisition for Upstart’s HELOC product across SEM, paid social, display, and emerging channels. The role requires 5+ years of performance marketing experience, hands-on paid search expertise, and strong analytical and experimentation skills.

Own the strategy, execution, and profitable scaling of paid social and video acquisition for Upstart’s Personal Loans business. The role requires hands-on media buying, agency management, creative and audience testing, and strong analytical skills, with 7+ years of performance marketing or digital media experience.

Leads the team responsible for Upstart’s machine-learning simulation platform, driving roadmap, reliability, scalability, cost efficiency, and cross-functional adoption. Requires 8+ years of software engineering experience, including 3+ years managing engineering teams and experience with production backend platforms or distributed systems.

Handles direct and indirect credit disputes, investigates account information, and ensures accurate, compliant reporting to credit bureaus. Requires credit dispute and bureau-reporting experience, familiarity with e-Oscar and Metro2, and knowledge of FCRA requirements.

Supports lending applicants through chat, phone, and email while resolving complex issues, coordinating escalations, and improving AI-enabled support workflows. Requires strong communication, investigation, documentation, and cross-functional problem-solving skills.

Staff Credit Analyst role focused on credit forecasting, portfolio analytics, valuation, and risk capital analysis for lending and funding decisions. Requires 5+ years of relevant experience, strong SQL and programming skills, and the ability to translate complex analysis into actionable insights.

Own the credit performance analytics and investor reporting strategy for Upstart’s HELOC portfolio. The role requires 5+ years in financial services credit analytics, strong Python and SQL skills, data pipeline expertise, and the ability to communicate portfolio risk to investors and executives.

Manages remote launches, adoption, engagement, and performance for a portfolio of dealer partners, using account data and targeted outreach to improve utilization. Requires 3+ years in relationship management, account management, customer success, automotive retail, auto finance, or a related customer-facing field.

Drives new dealership partnerships for an AI-powered auto finance platform, from discovery and product demonstrations through signed agreements and launch handoff. Requires 5+ years of full-cycle sales experience in automotive technology, lending, or B2B SaaS and strong dealership operations knowledge.

Analyzes loan-level quality, portfolio asset quality, and production model performance for unsecured lending. The role requires at least three years of experience in financial services or a related analytical risk function, plus proficiency with structured-data analysis and governance documentation.

Resolves complex borrower inquiries across email, chat, and phone while researching issues, documenting cases, and applying servicing policies. The role requires customer-support experience, strong written and verbal communication, careful investigation, and accurate use of support systems and approved AI tools.

Leads application security initiatives across products, APIs, distributed systems, and AI-enabled applications. The role requires at least five years of security or software engineering experience, strong threat-modeling and architecture skills, and the ability to build security automation and drive remediation.

Leads the creative vision and execution of paid social and influencer campaigns, using performance insights, structured testing, and generative AI to drive measurable growth. Requires 6+ years of art direction or design experience, a strong portfolio, and expertise in Adobe Creative Suite and Figma.

Senior software engineer responsible for leading multi-quarter platform initiatives and building scalable backend services for loan servicing, automation, and financial decision systems. Requires 5+ years of software engineering experience and strong distributed-systems expertise with Kotlin, Java, or a comparable language.

Lead a 10+ engineer team on Upstart's Get Back On Track (GBOT) servicing platform. Partner with Product, Risk, Operations and ML to build scalable, compliant systems for borrower repayment and debt management using workflow automation and event-driven architectures. Requires 10+ years experience including 5 years people management.

Build and operate backend infrastructure for machine learning model training, serving, feature management, and marketplace simulation. The role requires 6+ years of software engineering experience, distributed systems expertise, and experience with production ML platforms.

Leads and develops a residential mortgage underwriting team while serving as a subject matter expert on complex borrower scenarios and credit decisions. The role requires 7+ years of mortgage underwriting experience and 3+ years of people leadership in a regulated lending environment.

Build and operate deployment platforms, automation, and developer tooling that make software releases safer, more reliable, and self-service. The role requires a bachelor’s degree or equivalent, three years of software engineering experience, and experience with production systems and cloud or distributed infrastructure.

Build and operate developer platform systems for continuous integration, Kubernetes-based ephemeral environments, automated testing, and internal tooling. The role requires a bachelor’s degree or equivalent, three years of software engineering experience, and experience operating production software or infrastructure.

Leads strategy and roadmap development for a shared experimentation platform, partnering with Machine Learning, Analytics, Engineering, and product teams to improve experimentation rigor and scale AI and product workflows. Requires 7+ years of product management experience and expertise with technical platforms and quantitative methods.

Own strategy and execution for a high-impact capital platform domain, building scalable systems for lenders and investors. The role requires 7+ years of product management experience, Staff/Principal-level scope, technical fluency, and experience with complex regulated workflows.

Own strategy and execution for a scalable payments platform that improves payment success and borrower outcomes. The role requires 5+ years of product management experience, financial-product expertise, quantitative decision-making, and strong cross-functional partnership.

Senior Software Engineer building backend services, data pipelines, APIs, and reporting infrastructure for capital partners in a regulated fintech environment. The role requires 4+ years of backend experience, relational database expertise, and end-to-end system ownership.

The Applied Scientist develops causal machine learning models and rigorous experiments to optimize borrower acquisition across marketing channels. The role requires a master’s degree and experience with Python, statistical modeling, machine learning, causal inference, and experimental design.

Leads Borrower Success operations across internal teams and outsourced partners, owning service quality, compliance, staffing, productivity, and cost efficiency. The role requires scaled customer-operations leadership, vendor management, operational analytics, and cross-functional work with Product, Engineering, Analytics, and Compliance.

Leads the Design Platform team, shaping Upstart’s cross-platform design system, AI-enabled workflows, and operating model while remaining hands-on with design work. Requires 8+ years of product design experience, people-management experience, and a history of scaling systems across multiple product teams.

Investigates escalated and regulated customer complaints, determines remediation, and identifies trends that improve customer outcomes and reduce regulatory risk. Requires financial-services complaint investigation experience and knowledge of consumer protection regulations.

Build and operate backend services and APIs powering Cash Line lending experiences, including pricing, underwriting, funding, and account management. The role requires a bachelor's degree or equivalent experience, at least four years of professional software engineering experience, and proficiency with backend development.

Own the strategy and evolution of Upstart’s end-to-end consumer credit conversion experience, using product insight, experimentation, analytics, and cross-functional leadership to improve growth and funding outcomes. The role requires 8+ years of product management experience and significant B2C ownership of high-scale experiences.

Evaluates model and Generative AI risks across Upstart Bank’s model inventory, conducting risk assessments, monitoring reviews, quantitative analyses, and governance activities. Requires a quantitative master’s degree, 4+ years of relevant experience, and coding skills in Python, R, or similar languages.

Leads the BSA/AML compliance program for lending and deposit products, advising cross-functional teams, developing risk-based controls, and managing regulatory, audit, and examination remediation. Requires 7+ years of financial institution compliance experience and strong knowledge of customer due diligence, sanctions, and transaction monitoring.

Owns monitoring and reporting for personal-loan credit and model performance, investigates trends and unexpected outcomes, and recommends data-driven treatments. Requires a quantitative master’s degree, 6+ years of analytics or data-science experience, and Python and SQL expertise.

Own Upstart Bank’s integrated financial model, forecasting, scenario analysis, and Board/ALCO reporting while monitoring performance, liquidity, capital, and balance sheet risks. The role requires 7+ years of relevant financial services or strategic finance experience and strong banking, modeling, and communication skills.

Manages the bank’s wholesale funding, collateral, borrowing capacity, liquidity monitoring, forecasting, and contingency funding framework. Requires a bachelor’s degree and 10+ years of bank treasury, asset and liability management, or liquidity risk experience.

Owns the strategy and execution of HELOC underwriting, verification, and decisioning products, partnering with risk, capital, compliance, engineering, and ML teams. The role requires 5+ years of product management experience, strong analytical and communication skills, and the ability to balance borrower experience with portfolio quality.

Own first-line fraud detection, investigation, and SAR preparation for HELOC and Auto lending products. Investigate application, identity, income, collateral and dealer fraud; analyze trends; prepare regulatory referrals; and collaborate on control enhancements in a regulated AI-powered lending environment.

Owns secured-lending data integrity, regulatory reporting, risk dashboards, and loan-level quality controls for a highly regulated home lending business. Requires at least five years of reporting or compliance-monitoring experience and strong mortgage lending knowledge.

Conduct machine learning and statistical research to improve unsecured underwriting models, evaluating enhancements through rigorous experimentation and validation. The role requires a graduate degree in a quantitative field, Python modeling experience, and 0–2 years of applied research experience.

Serve as a first-line compliance partner embedded with Upstart's Growth team, reviewing marketing campaigns, customer communications, and product launches for regulatory compliance (UDAAP, fair lending, etc.) while building scalable review frameworks and processes to enable responsible business growth in a fintech environment.

Principal Product Manager driving the greenfield Communications Platform at Upstart. Define vision, build shared messaging APIs/infrastructure/governance for customer touchpoints, partner with engineering and cross-functional teams (Compliance, Risk) to enable scalable, compliant, personalized experiences in a regulated fintech environment. Requires 7+ years PM experience with platform products.

Lead the Site Reliability Engineering team to improve incident management, observability, operational readiness, and overall system reliability. Requires 7+ years software/SRE experience and 5+ years managing reliability functions, with deep expertise in distributed systems and production operations.

Build and maintain React Native mobile apps for iOS and Android at Upstart. Collaborate with product, design, and backend teams to deliver performant, scalable user-facing features that improve the borrower experience. Requires 4+ years experience and a Bachelor's degree.

Lead execution of securitizations, warehouse facilities, and structured financing transactions for Upstart's AI lending platform. Requires 7+ years in structured finance, financial modeling, cashflow analysis, and relationship management with investors and banks.

Principal Software Engineer driving technical vision for Upstart's Core Pricing platform. Lead design of large-scale ML-powered systems to optimize loan pricing, borrower-lender matching, and marketplace efficiency for personal and unsecured loans.

Licensed Loan Advisor guiding borrowers through Upstart's home lending (HELOC) application process via phone/written consultations, managing tasks, resolving issues with cross-functional teams, and contributing to process improvements in a scaling mortgage operations team. Requires active NMLS license and 2+ years in customer-facing lending roles.

Lead first-line compliance and control design for Upstart's auto servicing, repossession, recovery, and dealer oversight. Translate regulatory requirements (ECOA, FCRA, FDCPA, TILA, GLBA) into scalable processes and partner with Product, Engineering, and Risk teams.

Software Engineer building scalable backend systems, services, and APIs for Upstart Bank, a modern AI-enabled national bank. Translate regulatory and business requirements into reliable software in a fintech environment; 4+ years backend/full-stack experience required.

Principal Product Manager owning fee and pricing mechanisms for Upstart's AI lending marketplace. Sets monetization strategy and roadmap in partnership with ML, Risk, Finance and Engineering; designs experiments and uses competitive insights to optimize rates, revenue and fairness across loan products.