Upstart

You'll partner with product leadership to drive strategy for Upstart's unsecured installment products. You'll lead rigorous experimentation and execute high-impact behavioral analyses to optimize user funnels. This role stands out for architecting scalable data solutions that directly shape credit access.

You'll define and drive the multi-year strategy for Upstart's **Agentic Platform**, enabling non-technical users to build and deploy AI agents safely. You'll lead cross-functional teams to embed the platform across critical workflows in lending operations. This role bridges ML engineering and product, making a direct impact on how credit access is transformed.

You'll establish and scale Upstart's dedicated **UX research practice**, bridging the gap between customer behavior insights and product design decisions. You'll lead high-impact studies that influence **product strategy** across a multi-product lending portfolio. This is a unique opportunity to build from scratch a research function that shapes how millions access credit.

You'll design and build scalable systems for our servicing platform, partnering with product and operations teams. Your work will automate loan servicing workflows, improving reliability and user experience. This role offers exposure to **full-stack development** and the chance to impact millions of borrowers through **AI-driven lending**.

You'll **own end-to-end IT projects** from concept to deployment, designing **scalable systems** across device management, identity, and SaaS platforms. Your work will directly **empower employees** with a seamless technology experience at a high-growth AI lending company.

You'll design and deliver borrower-facing features across web, mobile, and **AI-powered channels** for the leading AI lending marketplace. You'll lead full-stack development to **reduce borrower friction** and improve self-service outcomes. This role offers the opportunity to shape trusted financial experiences at scale.

You'll drive the strategic direction and execution of a cross-functional team to scale Upstart's fastest-growing product. Your work will directly increase conversion and improve product quality for ASPL borrowers. This role offers the chance to shape a key product in a leading AI lending marketplace.

You'll partner with Operations and Product leaders to shape servicing strategy through **data-driven insights** and **scalable reporting solutions**. You'll diagnose trends and influence decision-making with clear analytical recommendations. This role offers deep exposure to **consumer lending** and **AI-powered analytics**.

You'll lead the Operational Excellence team at Upstart, an AI lending marketplace. Your work will shape how customer issues, complaints, and quality are managed across the lending lifecycle. **Your impact** will drive **regulatory readiness** and **customer-centric outcomes**.

You'll design and build **scalable backend systems** that power loan originations across products and lending partners. You'll modernize foundational infrastructure, **reduce operational complexity**, and create extensible platform capabilities. This role directly impacts **millions of borrowers** through an AI lending marketplace.

You'll **define Upstart's application security strategy** and **lead cross-functional security architecture reviews** for a leading AI lending platform. Your impact will scale security across the SDLC, protecting millions of borrowers. This role offers the opportunity to shape secure-by-design principles in a **digital-first, mission-driven company**.

You'll define the long-term vision for Upstart's **pricing platform**, enabling scalable and reusable capabilities across multiple loan products. You'll drive platform evolution from a monolithic architecture toward **modular, service-oriented systems** that increase engineering velocity. This role sits at the intersection of infrastructure and product, requiring deep platform thinking and strong **technical fluency**.

You'll lead Upstart's **business continuity and disaster recovery program**, maturing it to bank-grade resilience standards. Your work will ensure critical operations and technology services can **effectively respond to and recover from disruptive events**. This role partners closely with Risk, Compliance, Engineering, and business owners.

You'll partner with Growth Marketing, Product, Engineering, and ML teams at **Upstart** to drive **data-informed growth strategies** for digital channels including paid search, social, and video. You'll lead the evolution of measurement beyond click-based attribution, using **MMM and incrementality testing** to optimize acquisition and improve customer lifetime value.

You'll **define the technical roadmap** for Capital Marketplace engineering, **guide architectural evolution** of shared systems, and **lead cross-team initiatives** to drive business impact. Your work will directly shape how Upstart powers its AI lending marketplace.

You'll define the long-term technical vision for **offer optimization and conversion modeling systems** at a leading AI lending marketplace. Your work will directly improve **borrower experience and marketplace efficiency** by connecting decision-making across stages. This role sits at the intersection of **operations research, causal ML, and production decision systems**.

You'll lead **credit forecasting and valuation analytics** for Upstart's AI lending marketplace, driving high-impact insights that inform **portfolio strategy and funding decisions**. You'll partner cross-functionally to **build scalable analytics infrastructure** that powers smarter credit decisions.

You'll lead **first-line compliance** for Upstart's growth engine, ensuring acquisition channels, marketing programs, and partner relationships meet regulatory standards. You'll shape how Upstart scales responsibly while enabling **innovation in consumer lending**. This role sits at the intersection of **lending growth and regulatory discipline**.

You'll build and lead the first-line vendor oversight function for **secured lending products** at Upstart, an AI lending marketplace. Your work will ensure critical vendor relationships are **properly documented, monitored, and managed** to support growth and regulatory readiness. You'll report directly to the Head of Secured Lending and partner across teams.

You'll lead **quality control execution** across Upstart's secured lending portfolio, including pre-close and post-close reviews, compliance monitoring, and defect analysis. Your work will strengthen **quality infrastructure** and improve how quality is measured across the lending lifecycle. This role offers the chance to build a **modern, data-driven quality program** in a fast-moving fintech environment.

You'll lead the **second-line technology risk oversight program** for Upstart Bank, a de novo national bank. Your core impact will be establishing 2LOD frameworks that meet **OCC and FFIEC regulatory standards**. This role offers the chance to build and shape a growing team from the ground up.

You'll define and drive the infrastructure security strategy for **Upstart's AI lending platform**, ensuring secure-by-default patterns across cloud, compute, and deployment layers. You'll lead cross-functional efforts to **reduce systemic infrastructure risk** and influence engineering roadmaps. This role offers the chance to **shape security at scale** in a digital-first fintech company.

You'll lead **engineering teams** building a **modern bank platform** from an early foundation. Your work will **reduce credit costs and complexity** for millions of Americans through AI. This role offers rare ownership in a regulated fintech environment.

You'll define the multi-year technical roadmap for Upstart's **Core GenAI Platform**, collaborating with CTO/VP-level leadership to drive AI adoption across the company. You'll lead architecture of large-scale systems for model inference, orchestration, and compliance. This role offers direct influence on how GenAI and LLMs are implemented internally at a leading AI lending marketplace.

You'll evolve Upstart's cloud platform powering AI lending, focusing on Kubernetes and AWS infrastructure. You'll partner with SRE and product teams to improve **reliability** and **developer experience** across a platform used by nearly every engineering team. This role offers the opportunity to shape **multi-cluster architectures** at scale.

You'll build and lead the engineering organization for Upstart Bank, an AI lending platform evolving toward a unified federal framework. Your core impact is defining technical strategy, architecture, and execution for systems like ledgering, payments, deposits, and reporting, enabling scalable and **audit-ready infrastructure** from an early foundation. This rare opportunity lets you **shape a modern bank platform** from the ground up.

You'll lead **credit risk oversight** and **portfolio monitoring** for Upstart's consumer lending products, building frameworks and dashboards that enable leadership to understand performance and identify emerging risks. You'll serve as the primary owner of second-line credit risk policies, providing credible challenge to first-line teams.

You'll **manage help desk tickets** and **onboard/offboard employees** using tools like Okta, GSuite, and Jamf. Your work ensures employees have the technology they need to be productive, directly supporting Upstart's mission to **radically reduce borrowing costs**.

You'll lead **architecture and design** of internal platforms and **security automation systems** for Upstart Bank's critical operational functions. You'll partner with cross-functional stakeholders to translate business requirements into **durable software solutions** that scale securely.

You'll **design and build internal software platforms** for Upstart Bank, partnering with cross-functional teams to replace manual processes with scalable solutions. You'll **develop APIs, integrations, and data workflows** that support risk, compliance, and operations. This role offers the chance to **tackle meaningful problems in the AI lending space**.

You'll design and build **core backend systems** for a groundbreaking **revolving credit product**, shaping architecture in a greenfield environment. You'll partner with ML engineers to integrate AI-driven decisioning and deliver seamless consumer features. This is a high-ownership role where your work directly expands access to affordable credit.

You'll lead a high-impact engineering team responsible for **increasing eligibility** and **improving conversion** for auto-secured lending products at a **leading AI lending marketplace**. You'll set execution priorities and develop engineers to ship reliable systems.

You'll own product positioning and messaging for Upstart's lending partnerships, leading go-to-market strategies to drive lender interest and adoption. You'll partner with Product, Sales, and Marketing to launch new offerings and communicate value to **bank and credit union executives** in a **fast-paced fintech environment**.

You'll design and build **scalable data platform infrastructure** for a leading AI lending marketplace, improving how teams discover, trust, and use data. Your work will make data accessible and reliable at scale, powering smarter credit decisions for millions.

You'll build **scalable backend services** powering automated lending decisions, integrate **third-party data providers**, and evolve **rule engines and decisioning systems** to increase automation coverage.

You'll **design scalable pricing services** that power **real-time loan decisions** across multiple product lines. Collaborate with data scientists and product managers to translate business goals into robust technical solutions. This role offers **high impact in a cross-functional fintech environment**.

You'll build and optimize Upstart's next-gen ML simulation platform, **enabling rapid innovation** across ML and Finance teams. Your work will **reduce inference latency** to seconds for complex models and **modernize serving infrastructure** for increased scale and performance.

You'll define and deliver the vision for user engagement across Upstart's ecosystem, driving retention and repeat usage through compelling product experiences. You'll be at the intersection of product, design, engineering, data science, and marketing, operating with **bold experimentation** and **customer-centric insights** to reimagine how users interact with the platform.

You'll lead reliability strategy for Upstart's **AI lending platform**, shaping SRE principles across the organization. Your core impact includes building **self-healing systems** and driving observability improvements. This role offers the chance to influence cross-functional teams and technology roadmaps at a **digital-first fintech company**.

You'll work on the Machine Learning Platform team to build foundational technology that scales ML innovation across Upstart. Your impact includes designing tools and systems that accelerate model development to improve predictive accuracy. This role combines applied ML with platform engineering in a high-influence capacity.

You'll join the Servicing Engineering team to build **intelligent systems** that **personalize borrower experiences** using machine learning. You'll turn ML models into production systems that shape borrower interactions, enabling faster iteration and reliable measurement of strategy performance. This role directly impacts millions of borrowers through smarter credit decisions.

You'll lead the team building Upstart's intelligent marketing platform for channels like digital ads, direct mail, and partner integrations. Your work will directly drive user growth and scale outreach efficiently. You'll define the engineering roadmap and work cross-functionally with Analytics, Marketing, ML, and Product.

You'll lead a **high-impact ML team** at Upstart, tackling **credit access challenges** with advanced AI. Your work will directly shape **fair lending decisions** for millions of customers.

You'll design and implement security controls for Upstart's cloud-native infrastructure, partnering with platform and product teams. You'll build automation to reduce risk in areas like cloud IAM and Kubernetes security. This role offers the chance to **secure AI-driven lending systems** and **influence security-by-default patterns** across engineering.

You'll lead a high-performing engineering team scaling Upstart's first **revolving line of credit product**. You'll establish execution systems and drive cross-functional alignment to deliver **high-impact customer experiences**. This role offers the opportunity to shape a product with strong market traction and a digital-first, remote-friendly culture.

You'll define and build Upstart's data security program, designing scalable solutions for data protection. You'll partner with engineering, product, and legal teams to implement least-privilege access and **drive adoption of modern data security patterns**. This role combines deep **hands-on technical execution** with cross-functional leadership.

You'll design **end-to-end borrower experiences** for personal loans and revolving credit products at a leading AI lending marketplace. You'll collaborate with product managers and engineers to deliver **high-quality, production-ready designs** that impact millions of interactions. This role offers the chance to shape **trustworthy and human-centered financial experiences**.

You'll lead a team improving Upstart's software delivery platform, focusing on CI/CD, service lifecycle tooling, and developer experience. Your work directly reduces friction in the path to production and makes shipping software fast and predictable. This role combines leadership with hands-on technical impact at a leading AI lending marketplace.

You'll lead the design of **AI-powered payment experiences** at a leading AI lending marketplace, shaping how borrowers make, manage, and recover payments through both UI and conversational interfaces. Your work will directly impact borrower financial health and drive key metrics like payment success.

You'll **build and maintain scalable backend systems and data pipelines** for Upstart's marketing platform, powering audience segmentation and attribution. Your work directly impacts **customer acquisition and loan conversion** by improving data availability and observability. This role offers the opportunity to **shape architecture and data quality** at a leading AI lending marketplace.

You'll lead **fair lending risk assessment** for Upstart's AI lending platform, ensuring **regulatory compliance** while expanding access to credit. You'll shape the strategic direction of the program and influence decision-making across product, legal, and compliance teams.

You'll lead **corporate communications strategy** for a **AI lending marketplace** and partner with senior leaders to shape executive visibility and media relations. You'll drive proactive storytelling that builds credibility over time.

You'll provide **frontline IT support** for employees across devices, identity, and SaaS tools at a **leading AI lending marketplace**. Your work directly enables productivity for a digital-first team that's reshaping access to credit. This role offers the chance to serve as the **primary onsite IT presence** in the New York City office.

You'll stay connected with Upstart, a leading AI lending marketplace, and receive quarterly updates and job alerts. When a role opens that matches your skills, you may be reached out to explore opportunities. No commitment required.

You'll join Upstart's **Capital Markets Structured Products team** to drive securitization and financing strategies for the **AI lending marketplace**. You'll manage partnerships with institutional investors and lead deal execution, directly expanding affordable credit access.

You'll lead the Marketplace Optimization team at **Upstart**, building dynamic policy levers, matching logic, and monetization tooling. Your work will **directly improve borrower outcomes and capital performance** in a regulated fintech environment. You'll partner with Product, ML, and Capital Markets to ship production-grade services.

You'll lead creative strategy and execution for Upstart's owned brand channels as a **senior creative leader** on a mission-driven team. Your core impact will be making Upstart a **beloved household name** through iconic campaigns and design systems. You'll partner across Growth and Product to align creative with business goals.

You'll launch and operationalize Upstart's New York City office, establishing daily workflows, vendor partnerships, and employee experience standards. You'll own the day-to-day onsite experience and **bring our Digital First strategy to life** in a new market. This role is ideal for someone who enjoys **building structure in a new environment** while delivering a consistent workplace experience.

You'll design and build scalable systems for the Upstart Bank platform, responsible for funding, payments, and partner integrations. Your work will **enable a unified federal lending framework** and ensure reliable, audit-ready software in a regulated environment. This role offers the chance to **shape core banking infrastructure** while working with a **digital-first, remote-friendly** team.

You'll lead **analytical capabilities** for Upstart's servicing functions, partnering with product, operations, engineering, and ML teams to drive **recoveries and collections strategy**. Your insights will shape **data-driven decisions** that expand access to affordable credit.

You'll join a multi-skilled team supporting applicants across phone, email, and digital channels for a leading **AI lending marketplace**. You'll resolve escalated inquiries, serve as a subject matter expert, and help improve **customer experience processes**. This role offers the chance to work at the intersection of **fintech and customer support** with a digital-first team.

You'll **empower borrowers** by leveraging collections expertise to provide personalized solutions. You'll **deliver results** by exceeding KPIs like dollars collected per productive hour. This role offers a **competitive compensation** and the flexibility of remote work at a leading AI lending marketplace.

You'll **build automated response mechanisms** and **triage critical alerts** for Upstart's AI lending marketplace. You'll be on the front lines of **Incident Response**, actively defending corporate and product infrastructure.

You'll design **backend services** and **data pipelines** that power partner-facing reporting for Upstart's AI lending marketplace. You'll ensure capital partners receive accurate, timely data under strict SLAs. This role directly impacts how capital flows through the platform.

You'll lead the Offer Delivery team at **Upstart**, building infrastructure for personalized credit offers. Your work will **drive user engagement** and **increase customer lifetime value** through intelligent targeting and experimentation.

You'll own **end-to-end Direct Mail strategy** for Upstart's **HELOC product**, driving efficient acquisition. You'll optimize millions in annual spend and partner with Data Science to develop targeting models. This role offers significant ownership and P&L responsibility.

You'll lead **collections and loss mitigation operations** at a **leading AI lending marketplace**. You'll drive measurable improvements in recovery rates, productivity, and borrower outcomes through data-informed management. This role combines strategic leadership with hands-on execution in a digital-first environment.

You'll own day-to-day operations of our Easton office, ensuring it runs smoothly and reflects Upstart's values. You'll partner with the Columbus OM WE team to deliver an **exceptional in-office experience** for employees and visitors. This role offers the chance to work in a high-growth tech environment with a mission-driven company.

You'll build and maintain **scalable backend data platforms** that power audience segmentation and marketing attribution systems. Your work directly impacts **customer acquisition and loan conversion** for a leading AI lending marketplace. You'll collaborate across engineering, product, and marketing teams to **improve data quality and observability**.

You'll build and own the risk data and analytics program for Upstart's second line of defense, including the KRI framework and risk reporting infrastructure. You'll design **scalable risk data models** and **curated data sets** to empower enterprise-wide risk monitoring and reporting. This role is a key component of the ERM program for **Upstart Bank**, partnering with senior leadership and external stakeholders.

You'll lead a team of security engineers to scale **product security engineering** across application, infrastructure, and offensive security at an **AI lending marketplace**. Your work will protect millions of customers and reduce risk through automation, secure-by-design practices, and trusted partnerships with engineering leaders.

You'll lead a team building and maturing enterprise security programs at the leading AI lending marketplace. Your work will reduce security risk across corporate systems, cloud environments, and identity platforms. This role offers the chance to shape proactive security controls at a **mission-driven fintech** empowering millions of Americans with **fairer access to credit**.

You'll **design and build scalable backend services** for Upstart's unified communications platform, powering personalized messaging across SMS, email, and push. Your work will directly **impact millions of customers** by enabling smarter, data-driven engagement. This role offers **ownership of medium-sized projects** and deep collaboration with cross-functional teams.

You'll join the HELOC Underwriting team, evaluating loan applications and making policy-aligned credit decisions. Your core impact is ensuring **accurate and timely loan decisions** that adhere to underwriting policy while **identifying fraud risks** and maintaining audit-ready files. You'll also contribute process improvements to help Upstart originate high quality loans.

You'll **build tooling and automation** for Upstart's SRE team to **enhance reliability and observability** of production systems. Your work will directly impact the success of the team and all of Upstart's customers.

You'll own lifecycle marketing for new products like **Cash Line**, focusing on mobile-first customer journeys from cross-sell to retention. Your work will **drive growth through multi-channel campaigns** and experimentation. This is a **remote contract role** with flexible time zones.