Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters can live and work anywhere in the U.S. We also have offices in San Mateo, CA, Columbus, OH, and Austin, TX. 

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we'd love to hear from you!

upstart

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; As the Director, Software Engineering, Mobile Platform, you will lead and scale Upstart’s Mobile Platform organization, shaping and driving our overall mobile platform strategy. With the majority of customer interactions now occurring via mobile, this channel is central to Upstart’s continued growth and to our ability to operate as a multi-product company. As an example, Upstart recently announced our first mobile-only product, CashLine. Your leadership will ensure that our mobile platform reliably supports every current and future product, while delivering a seamless, engaging, and high-performing customer experience. Specifically, Mobile Platform engineering is responsible for: Building a Strong Foundation – Developing shared platform capabilities (e.g., account creation, navigation, and observability) that power all loan products on mobile. Accelerate Mobile Development – Reducing friction for product teams by providing reusable components, reliable release pipelines, and high-quality testing frameworks. Expanding Our Reach – Improving application discoverability and onboarding flows (including app downloads and account creation) to bring more customers to Upstart. Maximizing Customer Lifetime Value – Enabling users to seamlessly manage their loan applications, access credit repeatedly, and make monthly repayments effortlessly. As a key engineering leader, you will collaborate closely with Product Management, Legal &amp; Compliance, UX/UI Design, Data Analytics, and Loan Product teams to drive mobile innovation and excellence. You will have the opportunity to refine the scope and strategy of Upstart’s mobile platform, as well as the long-term organizational structure of the mobile platform engineering team.&nbsp; How you’ll make an impact Define and drive the mobile platform vision – Establish a culture of technical excellence, innovation, and collaboration. Lead and grow a high-performing team – Recruit, mentor, and develop engineering leaders and individual contributors, fostering a sense of ownership and accountability. Deliver a world-class mobile experience – Lead the development of a robust, native iOS application that enables users to apply for loans, manage their accounts, and handle repayments seamlessly. Operationalize success metrics – Establish clear KPIs to measure engineering efficiency, product performance, and business impact. Drive automation and process improvements – Champion best practices in mobile development, CI/CD, testing, and deployment. Strategic Roadmapping &amp; Prioritization – Partner with cross-functional teams to develop and execute medium- and long-term mobile strategies. &nbsp; What we're looking for Proven experience leading mobile engineering teams in high-growth, consumer-facing technology companies. Strong background in native mobile development using React Native (both iOS and Android preferred), including deep expertise in engineering best practices, frameworks, and scalable architectures. Demonstrated ability to scale and structure teams, balancing technical leadership with people management. Experience working closely with Product, Design, and Analytics to develop customer-centric mobile experiences. A data-driven mindset, with a strong ability to measure impact and drive continuous improvement. &nbsp; Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. &nbsp; #LI-REMOTE #LI-Director --&gt; use for L7 &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$228,300&mdash;$315,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Director, Software Engineering, Mobile Platform

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Monetization team is building the systems that optimize the offers we present to borrowers—balancing customer appeal, lender requirements, and capital availability. We use machine learning, real-time decision engines, and flexible configuration to power accurate, personalized pricing at scale, while ensuring a great borrower experience. As the Software Engineer II at Upstart, you will &nbsp;collaborate with engineers and cross-functional partners across Product, Analytics, Machine Learning, and Capital Markets to build scalable systems that respond to changing lender needs, funding dynamics, and borrower behavior. This role offers opportunities to deepen your backend expertise while working on impactful infrastructure that supports Upstart’s lending growth and helps deliver better offers to more people. How you’ll make an impact Design, build, and maintain real-time services that power origination fee computation and offer filtering Develop scalable, reliable systems that support experimentation and rapid response to market changes Collaborate with product managers, analysts, and engineers to drive smarter pricing decisions and efficient capital deployment Work with business stakeholders to identify opportunities for optimizing marketplace performance and lender alignment Ensure the security, performance, and availability of critical pricing platforms Participate in code reviews, testing, and the deployment of high-quality code Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience, with a strong focus on distributed systems and APIs Experience with some or many of the following: Kotlin, Python, PostgreSQL, Ruby on Rails Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar) Familiarity with database technologies such as SQL and data warehousing solutions Preferred Qualifications Experience in fintech, particularly in areas such as dynamic pricing, revenue optimization, or capital markets Familiarity with machine learning models and their integration into production systems Prior experience or demonstrated enthusiasm for working on internal tools History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. &nbsp; #LI-REMOTE At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$142,000&mdash;$196,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Software Engineer, Monetization

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; The Identity Platform team is responsible for the creating, securing and managing the borrower and partner identity that is the center piece of all Upstart loan products like Personal Loans, Auto Loans and Home Loans.The Identity platform team is responsible for all Authentication and Authorization Platform and the experiences ( Frontend ) associated with it. We ensure borrowers and partners are able to authenticate securely and seamlessly and their data is protected from unauthorized access. As a Principal Software Engineer, you are at the helm of driving technical excellence, execution and innovation within the Identity Platform team. You are responsible for setting the technical vision and direction for Identity Platform that works backwards from our product strategy. You will work closely with Product partners from different verticals to help them plan, create and deliver secure product experiences that are frictionless.&nbsp; You will have the opportunity to design and build large scale systems from the ground up, partner closely with Infosec and CSO, and work in a highly-collaborative and fast-paced environment. We are looking for a seasoned leader with a passion for Identity and Access Management, Customer Experience, experimentation, and distributed systems. If this sounds exciting, we would love to hear from you.&nbsp; How you’ll make an impact Define the long-term technical direction and roadmap for Identity and Access Management Platform in alignment with Upstart’s business objectives.&nbsp; Lead the design, development and execution of a system that emphasizes security and ease of access. Work closely with the Informational Security team to improve and develop standards that ensure that our customer data is secure and build trust with Customers. Guide the architectural evolution of Identity engineering systems with an emphasis on security, scaling innovation across multiple engineering teams.&nbsp; Uncover and drive alignment across complex technical requirements, designs, trade-offs, influencing product direction&nbsp; Proactively evaluate, prototype, and roll out new technologies/frameworks to help cultivate a culture of innovation Lead from the front, while mentoring and developing technical leaders Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience Experience building highly scalable APIs using containerization technologies like Docker and Kubernetes Solid grasp of software development principles and best practices for creating scalable and maintainable systems Proficiency in one or more object oriented programming languages like Kotlin, Ruby,, C#, C++ Strong communication skills and ability to explain complex business and technical concepts to all audiences Track record of successfully mentoring and developing technical leaders Experience working in dynamic fast paced organizations Ability to balance the needs of the business with the needs of engineering improvements Passion for clean code and architecture and initiative to “level-up” the engineering team with better practices &amp; design You are able lead and resolve company-wide technical discussions and are able to collaborate and include input from cross-functional teams (security, devops, data, compliance and product) You have a good sense for build-vs-buy and are able to prioritize the highest ROI architectural investments Preferred Qualifications High proficiency with OAuth 2.0 and OpenID Connect Specifications. Experience working in Identity and Security Platform. Experience with building Kotlin or Java Backend services. Experience with A/B testing, GRPC and Devops. Background in Keycloak or any equivalent IAM Solution,, Devops, Ruby and NextJS is a big plus.&nbsp; Experience designing and building microservice-based architectures Experience developing large scale distributed systems in AWS Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve Ability to influence and lead without direct authority Strong product and analytical mindset that allows you to think in terms of ROI, risk, and trade offs Experience working at companies that have gone through periods of rapid business or organizational growth &nbsp; Position location This role is available in the following locations: Remote&nbsp; Time zone requirements The team operates on the East/West coast time zones.&nbsp; Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$195,300&mdash;$270,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Software Engineer, Identity

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s Event Bus, Experimentation, and gRPC&nbsp; team is responsible for building frameworks and tooling to support Event Driven Architectures, safe and measurable roll out of new features, and efficient service to service communication.&nbsp; We do this by owning the build process and libraries for the four primarily supported languages at Upstart (Ruby, Kotlin, Python, and TypeScript).&nbsp; These platform products&nbsp; allow Upstart engineers to use them in a simple and secure way. &nbsp; Ease of use, performance, data quality, observability, and security are our guiding principles. As a&nbsp;Senior Software Engineer&nbsp;on Upstart’s Event Bus, Experimentation, and gRPC&nbsp; team, you are empowered&nbsp; to design and implement high impact, cross cutting solutions&nbsp; that touch nearly every service within Upstart.&nbsp; We are a small and high impacting team contributing to Upstart’s North Star Architecture and need a product-oriented engineer who is excited to contribute across Event Bus, Experimentation, and gRPC internal tooling. Position Location -&nbsp;This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements -&nbsp;This team operates on the East/West Coast time zones. Travel Requirements -&nbsp;As a digital first company, the majority of your work can be accomplished remotely. This team also has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, OH, Austin, TX or San Mateo, CA). If you need to travel to make these meetups, Upstart will cover all travel related expenses. How you’ll make an impact: Lead the design and development of new features and improvements to existing features. Collaborate with cross-functional teams to understand requirements and bring those insights into building an impactful roadmap for the team Establish best practices for achieving an Event Driven Architecture, safe feature rollout, and service to service, API design. Mentor junior engineers and promote a culture of technical excellence Contribute to quality improvements within our team and the engineering organization in a meaningful way What we’re looking for:&nbsp; Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience Strong communication skills and ability to collaborate effectively with cross-functional teams. Strong proficiency in one or more of Kotlin, Java, Python, Ruby, or Typescript programming languages Proficiency in automated testing patterns Experience in building highly observable systems Preferred Qualifications Experience with Kotlin, Python, Ruby, or Typescript Experience with Kafka Experience with gRPC Experience with A/B testing and/or Feature Flagging Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamic.&nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$163,600&mdash;$226,400 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, API Enablement

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Borrower Experience (BX) team is responsible for building and evolving the borrower-facing servicing experience across web, mobile, and AI-powered channels. The team focuses on reducing borrower friction, improving payment success, and enabling clear, self-serve paths for borrowers post-origination. As a Software Engineer at Upstart, you will work across full-stack systems and AI-powered surfaces to deliver intuitive borrower experiences. You will design and build scalable solutions that help borrowers understand their options and take the right actions while contributing to a cohesive and trusted servicing experience. How you’ll make an impact Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume Build and maintain full-stack systems integrating backend services with modern frontend frameworks Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions Contribute to architectural decisions that unify systems into a cohesive borrower experience Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience 3+ years of professional software engineering experience building scalable web and/or mobile applications Proficiency in one or more programming languages and modern development frameworks Experience designing and building APIs, microservices, and distributed systems in a cloud environment Experience delivering projects spanning multiple systems or engineers Preferred Qualifications Experience building or integrating LLM-powered or agentic systems Familiarity with experimentation platforms and analytics tooling Experience developing customer-facing financial or fintech products Knowledge of modern frontend frameworks and deployment platforms Experience working across multiple teams to deliver cohesive user experiences Ability to design systems with reliability, safety, and explainability considerations Position location This role is available in the following locations: Remote&nbsp; Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior&nbsp; &nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$142,000&mdash;$196,600 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Software Engineer, Borrower Experience

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing and access to credit at scale. As a Senior Software Engineer on the Upstart Bank team, you will design and build systems that enable Upstart Bank to operate at scale. Depending on the team, your work may span funding, payments, reporting, partner integrations, and internal operational workflows. You’ll help build reliable, audit-ready software in a regulated environment while supporting seamless borrower and partner experiences. How you’ll make an impact Design and build scalable systems, services, and user-facing workflows that support Upstart Bank’s core platform and operations Own technical design and delivery for medium-to-large engineering projects spanning multiple quarters Translate business, operational, and regulatory requirements into reliable, maintainable software Improve system reliability, performance, observability, and data consistency across distributed services and integrations Contribute to architecture and design discussions, helping systems evolve for scale, auditability, and long-term maintainability Partner with product, compliance, operations, and other engineers to deliver high-quality solutions in a regulated environment Uphold a high engineering bar through strong implementation, code review, testing, and operational ownership Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience Experience building and operating production software systems in backend or full-stack environments Experience building scalable services, APIs, or web applications in cloud environments Experience owning the technical delivery of medium-to-large engineering projects spanning multiple quarters Proficiency in at least one modern programming language such as Python, Java, or Kotlin Preferred Qualifications Experience working in fintech, banking infrastructure, payments, or other regulated financial systems Familiarity with distributed systems, event-driven architectures, and communication frameworks such as Kafka or gRPC Experience building systems that support reliability, auditability, and strong operational controls Experience working with reporting pipelines, financial data flows, partner integrations, or internal operational tooling Ability to collaborate effectively with product, compliance, operations, and engineering partners Experience working across both backend services and user-facing application layers Proven ability to thrive in diverse work environments, including collaborative, self-directed, remote, and in-person settings. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE#LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, Upstart Bank

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Capital Insights team sits within the Capital Platform pillar and is responsible for partner-facing reporting that enables lenders and institutional investors to understand and manage their portfolios. The team builds and maintains APIs, data pipelines, data models, and reporting systems that power loan funding, loan sales, and financial reporting across products. As a Senior Software Engineer, you will serve as a key individual contributor responsible for backend services, data pipelines, and reporting infrastructure that ensure capital partners receive accurate, timely, and reliable data. Your work directly supports how capital&nbsp; flows through Upstart’s marketplace and helps scale the platform to support future growth. How you’ll make an impact: Design and evolve backend services, data models, and reporting APIs that power partner-facing reporting across multiple lending products Build and maintain data pipelines and reporting systems that deliver accurate, timely loan and portfolio data under strict SLAs Improve system reliability and operational health by reducing incidents, automating manual processes, and strengthening observability Lead design and implementation of cross-product platform&nbsp; capabilities, including unified APIs and portals Partner with Capital Markets, Finance, and Data teams to define requirements, troubleshoot production issues, and deliver scalable solutions Identify structural inefficiencies in legacy systems and drive platform-level improvements that reduce operational burden Mentor engineers on best practices for data modeling, distributed systems design, and production operations in a regulated fintech environment Minimum Qualifications&nbsp; Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent practical experience) plus 4+ years of experience building and operating backend systems Experience with at least one modern backend stack (e.g., Ruby on Rails, Java, or similar) and relational databases (SQL) Hands-on experience with data pipelines or analytical data stores, such as Airflow, Spark, dbt, ClickHouse / Snowflake / BigQuery / Redshift, or equivalent technologies Experience owning systems end-to-end, including design, deployment, monitoring, and on-call support Preferred Qualifications Experience in fintech, lending, capital markets, or financial reporting environments with high data accuracy requirements Knowledge of modern data platforms and analytics tools (e.g., Databricks, ClickHouse, Looker, dbt) Experience designing and maintaining external APIs (REST) or file-based data integrations for enterprise partners Ability to improve system reliability through observability, automation, and incident reduction practices Ability to collaborate across technical and non-technical teams to define requirements and deliver solutions &nbsp; Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. &nbsp; #LI-REMOTE #LI-MidSenior&nbsp; At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Senior Software Engineer, Capital Insights

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team:&nbsp; Upstart’s Pricing Platform team builds the reusable, scalable, and reliable platform that powers pricing across all Upstart loan products, including unsecured, auto, and home loans. This team owns the core primitives that translate application data into the offers (APR) presented to customers, including eligibility, qualification, underwriting, and offer selection.&nbsp; As a Principal Product Manager at Upstart, you will define and drive the strategy for one of the most critical systems at Upstart—the platform that powers how we price loans and deliver offers to customers. This role sits at the intersection of infrastructure and product, requiring deep platform thinking and strong technical fluency. You will lead efforts to evolve a complex, high-impact system into a scalable, modular platform that accelerates innovation across all loan products. You will balance near-term reliability and quality improvements with long-term investments that unlock velocity and flexibility for engineering teams across the company. How you’ll make an impact Define and execute the long-term vision for Upstart’s pricing platform, enabling scalable and reusable capabilities across multiple loan products Improve the reliability, quality, and availability of pricing systems, reducing risk and preventing high-impact failures in a business-critical system Drive platform evolution from a complex, monolithic architecture toward modular, service-oriented systems that increase engineering velocity Partner with engineering, machine learning, and product teams across unsecured, auto, and home lending to enable new pricing capabilities and use cases Balance competing priorities across stakeholders, making principled tradeoffs between short-term business needs and long-term platform investments Identify and unlock opportunities to accelerate product development by improving platform primitives and reducing dependency bottlenecks Minimum Qualifications&nbsp; BA/BS in Economics, Computer Science, Electrical Engineering, Mathematics, Statistics, a related technical field, or equivalent practical experience. 5-7 years of product management experience.&nbsp; Experience building or managing backend platforms or infrastructure systems Experience working with engineering teams on large-scale, complex systems Experience defining product requirements and driving execution for technical products Preferred Qualifications Experience working on pricing systems, ads platforms, or similar optimization systems Experience evolving monolithic systems into modular or service-oriented architectures Experience working in machine learning, data science, or analytics-driven environments Experience operating in highly cross-functional environments with multiple stakeholders &nbsp; Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. &nbsp; #LI-REMOTE #LI-MidSenior &nbsp;At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$187,900&mdash;$260,000 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

Principal Product Manager, Pricing Platform

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.The Team Upstart’s Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies. This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams. You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions. As a Senior Software Engineer on Core Pricing, you’ll play a critical role in evolving the systems that power Upstart’s loan pricing across multiple product lines. You’ll design and implement highly scalable, low-latency services that convert ML underwriting outputs into accurate risk and profitability measures, while helping define the future of Upstart’s pricing platform. How You’ll Make an Impact Lead the design and development of scalable, high-performance services that enable real-time pricing decisions across multiple products. Collaborate with data scientists and product managers to translate business goals into robust technical solutions. Drive architectural improvements in the pricing platform to support rapid growth, new products, and evolving modeling needs. Mentor and coach engineers across the team, elevating best practices in system design, testing, and operational excellence. Ensure the quality and reliability of our pricing engines through comprehensive testing, code reviews, and production monitoring. Champion improvements in developer experience, automation, and observability to increase team velocity and platform resilience. What We're Looking For Minimum Qualifications 5+ years of professional software development experience building scalable public or consumer-facing products. High level of proficiency coding in production with Python, and some experience with Java or Kotlin or similiar.&nbsp; Proven ability to independently own and deliver complex, multi-month engineering projects in fast-paced environments. Experience designing and building scalable APIs and microservices in a cloud-based environment (AWS or GCP). Strong problem-solving skills with an emphasis on scalability, performance, and system reliability. Excellent communication skills, able to explain complex technical topics to both technical and non-technical audiences. Demonstrated experience mentoring and coaching engineers, influencing technical direction, and raising the bar for the team. Exhibits a bias for action and comfort navigating ambiguity while driving towards impactful outcomes. Preferred Qualifications Background in finance / fintech, financial mathematics, statistics, or machine learning preferred but not required History of thriving in diverse work environments: both collaborative and self-directed; remote and in-person. Deep experience with distributed systems, cloud-native development, and advanced CI/CD pipelines (infrastructure-as-code focus). Recognized as a subject matter expert or technical owner for a critical domain, with a passion for sharing knowledge and best practices. Active contributor to the tech community through open source, technical talks, or mentorship. &nbsp; Position Location -&nbsp;This role is available in the following locations: Remote US Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. &nbsp; &nbsp; #LI-REMOTE #LI-MidSenior At Upstart, your base pay is one part of your total compensation package.&nbsp; The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).United States | Remote - Anticipated Base Salary Range$166,900&mdash;$230,900 USDWhat you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays&nbsp; Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

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