San Mateo, CA
AI lending marketplace for banks and consumers
Upstart builds an AI lending platform that partners with banks and credit unions to originate personal loans, auto loans, and HELOCs using non-traditional variables like education and job history for underwriting. It serves consumers seeking affordable credit and lenders aiming to approve more borrowers at lower loss rates. The platform automates over 90% of loans, enabling instant approvals and expanding credit access.
Senior Applied ML Engineer building and shipping user-facing LLM and generative AI features. Own architecture for production ML systems, partner cross-functionally with product/research teams, and establish best practices for prompt engineering and model evaluation. Requires 4+ years software engineering with 2+ years on ML products, strong backend skills.
Lead Upstart Bank's enterprise policy governance program and Board/Risk Committee activities. Oversee policy lifecycle, ensure audit-ready documentation, and partner with Risk, Compliance, and Legal teams in a regulated financial institution. Requires 7+ years in policy/governance within banking.
Support loan salability and first-line model governance by conducting loan-level quality reviews, analyzing portfolio performance data, maintaining tracking tools and reports, and preparing governance deliverables for bank partners and regulators. Requires 3+ years in financial services, risk, or credit operations with strong analytical and documentation skills.
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.
Security Operations Engineer responsible for building automated response mechanisms, triaging alerts, threat hunting, and enhancing detection platforms using AI and SOAR. Requires 2+ years in incident detection/response, strong log querying, Python proficiency, and a breach-assume mindset.
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 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.
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.
Principal Product Manager leading the strategy and evolution of Upstart's critical pricing platform that powers loan offers across unsecured, auto, and home products. Requires 5-7 years PM experience with backend platforms/infrastructure, strong technical fluency, and ability to drive modular architecture changes while balancing stakeholder priorities.
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.
Oversee Upstart's second-line complaints compliance program as the Associate Compliance Manager. Analyze trends, monitor regulatory adherence for consumer lending/deposits, provide guidance to stakeholders, and mature oversight processes to reduce risk and customer harm. Requires 5+ years in financial services compliance and CRCM certification.
Senior Mobile Engineer building and scaling React Native apps for Upstart's borrower servicing experience across iOS and Android. Requires 4+ years experience, React Native expertise, and native platform familiarity to drive key metrics like payment success and user satisfaction.
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.
Software Engineer on the Upstart Bank team building scalable backend systems, services, and APIs in a regulated fintech environment. Requires 2+ years experience, proficiency in a modern language (Java, Python, Go, etc.), and strong fundamentals; fintech or regulated industry experience preferred.
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.
Own end-to-end funding delivery for Upstart's auto lending products. Build scalable processes, controls, reporting, and investigate exceptions while partnering cross-functionally with Product, Engineering, Compliance, and Capital Markets teams. Requires 5+ years in lending/financial operations.
Senior Software Engineer building highly available backend services and real-time decision engines for Upstart's AI lending marketplace. Partners with ML, Product, and Capital Markets teams to optimize borrower-capital matching, offer construction, and monetization through scalable distributed systems.
Serve as primary legal partner for Upstart's HELOC product, providing strategic counsel on consumer lending laws, mortgage regulations, product development, and regulatory risk to support launch, scaling, and transition to national bank partnership. Requires JD, 10+ years experience in real estate secured lending, and deep expertise in TILA/RESPA/ECOA and related laws.
Senior Software Engineer building scalable, event-driven platforms for Upstart's Lending Platform to automate accounting, capital risk, and financial operations using high-volume data processing and AI tools. Requires 4+ years experience with distributed systems in AWS.
Lead compliance workstreams for Upstart's unsecured line of credit product as a 1LOD embedded partner to Product, Engineering, Legal, and Risk. Translate regulations into product solutions, build audit-ready controls and documentation, and drive cross-functional initiatives for launches and scaling.
Senior full-stack engineer owning frontend and full-stack borrower experiences for Upstart's Unsecured Installments lending product. Lead large React/TypeScript initiatives, set architecture direction, mentor engineers, and partner with product/design/backend teams.
Software engineer building and improving borrower-facing frontend and full-stack experiences for Upstart's unsecured installments lending product using React, TypeScript, and backend services. Requires 4-5+ years experience and strong full-stack skills.
Manage an $11B+ portfolio of co-investments with funding partners. Run monthly performance reporting, settlements, and risk monitoring; lead automation initiatives with AI; and mentor junior analysts. Requires 5+ years in investment/portfolio management or structured finance, financial modeling, and SQL.
Senior Privacy Engineer building and operating privacy-by-design systems, APIs, and controls for data governance, minimization, and ML pipelines at an AI lending platform. Requires 5+ years software engineering experience and background in privacy/security domains.
Lead asset quality, loan salability, and first-line model governance for Upstart's secured lending portfolio (HELOC, auto). Own monitoring, risk escalation, team leadership, and cross-functional remediation to maintain regulatory readiness and investor standards. Requires 8+ years in financial risk, compliance, or model oversight.
Drive operational execution and governance for Upstart's Investor Services team. Lead cross-functional programs across Capital Markets, Product, Engineering and other teams to scale investor onboarding, loan sales, diligence and new product readiness in a fintech environment.
Lead go-to-market strategy and partnerships with banks/credit unions to grow Upstart's consumer credit marketplace (Personal Loans, HELOC, Auto). Build and manage a team of Account Executives while advising executives on portfolio construction, capital deployment, and risk-adjusted returns.
Senior Software Engineer building scalable backend and full-stack systems for Upstart Bank's AI lending platform in a regulated fintech environment. Own medium-to-large projects involving funding, payments, reporting, and partner integrations while ensuring reliability, auditability, and compliance.
Build and operate shared Kubernetes (EKS) and AWS cloud infrastructure powering Upstart's product and ML workloads. Requires 3+ years Kubernetes production experience plus strong AWS, IaC, and GitOps skills.
Lead Upstart's Privacy Engineering team to build scalable privacy infrastructure, data governance, and privacy-by-design controls for their AI lending platform. Requires 8+ years engineering experience (3+ in people management) and expertise translating regulatory requirements into technical systems.
Data Analyst responsible for end-to-end HMDA and CRA data integrity, validation, quality control, and regulatory submissions for Upstart's Home Lending business. Requires 3-5 years of HMDA/CRA compliance experience and strong analytical skills in a regulated mortgage environment.
Senior full-stack engineer building and scaling Upstart's White Label Platform for lending partners and investors. Design/maintain configuration-driven APIs, services, UIs and self-service tools using Ruby on Rails, React, Kotlin and cloud technologies.
Senior Software Engineer building scalable, event-driven platforms for Upstart's Lending Platform to automate accounting, capital risk, and financial operations using high-volume data processing and AI tools. Requires 4+ years experience with distributed systems in AWS.
Software Engineer on the Conversion Engineering team building and optimizing high-impact, user-facing borrower experiences (funding form, rate check) that drive ~80% of Upstart's revenue. Requires 4+ years full-stack experience with strong frontend focus on performance, usability, and experimentation; partners closely with Product, Design, and ML teams.
Lead lifecycle marketing strategy and execution for Upstart's Personal Loans and Small Dollar Loan products. Manage a team of marketers, optimize customer journeys with segmentation, experimentation and AI, drive revenue growth, and partner cross-functionally with Product, Analytics and Growth teams. Requires 10+ years lifecycle marketing and 3+ years people management experience.
Own strategy and performance of lifecycle marketing programs for prior personal loan applicants. Design, launch, and optimize multi-channel journeys (email, SMS, push) to drive re-engagement and loan funding; analyze performance and partner cross-functionally with Product, Analytics, and Creative teams.
Lead engineering teams building critical infrastructure for Upstart Bank, a modern AI-powered banking platform. Translate regulatory and product needs into scalable, audit-ready systems for payments, funding, reporting and integrations in a regulated fintech environment.
Design and build backend services powering automated verification workflows, financial data integrations, and approval decisioning for lending products. Requires 3+ years building distributed systems in Kotlin or Java.
Senior DevOps Engineer building and operating Kubernetes-based ephemeral environments and cloud infrastructure on AWS to improve developer productivity and platform reliability.
Lead tax information reporting compliance including 1099/1098 filings, backup withholding, TIN matching, and IRS notices. Partner with Product, Engineering, and Operations to automate tax workflows and support customer-facing processes.
Lead Android migration and development for lending products, set mobile architecture direction, and drive cross-team technical initiatives as a senior IC with deep Android and React Native experience.
Lead and scale Upstart’s enterprise BSA/AML/OFAC compliance program, overseeing risk assessments, KYC/CDD/EDD frameworks, regulatory exams, and board reporting for consumer deposit and lending products.
Senior backend engineer building and securing authentication, authorization, and experimentation systems for a digital lending platform. Requires 4+ years experience, strong Kotlin/Java skills, and hands-on IAM protocol experience.
Lead and scale Upstart’s Mobile Platform engineering organization, driving strategy, team growth, and delivery of a high-performing native mobile experience for consumer lending products.
Staff Credit Analyst (Contractor) supporting migration of credit analytics workflows from spreadsheets to a new internal platform. Requires 6+ years in credit/risk analytics, advanced SQL, and experience with data validation and system migrations.
Build and scale backend services powering personalized customer communications across SMS, email, push, and emerging channels. Partner with marketing and data teams to deliver real-time messaging, automation, and data-driven engagement systems.