You will build and operate systems to improve the reliability, resiliency, and observability of production environments. This includes developing shared tooling, automating operational tasks, and using AI to enhance incident response and engineering efficiency.
You will lead and evolve Borrower Success operations by managing internal teams and international vendor partners to ensure high service levels and compliance. Additionally, you will partner with Product and Engineering teams to optimize borrower journeys, improve self-service tools, and scale operational systems.
You will lead a team of senior designers to define and scale Upstart's design system, including component architecture and AI-enabled workflows. You will partner with engineering and product leaders to establish the platform strategy and operating model for product development.
Design, build, and maintain reliable backend services and APIs that support the Cash Line product and borrower journey. Collaborate with cross-functional teams to develop systems for offer generation, pricing, underwriting, and account management.
Manage a queue of customer complaints by investigating and resolving escalated issues while applying regulatory knowledge. Identify recurring trends and partner with cross-functional teams to improve processes and customer experience.
You will own the strategy and evolution of the end-to-end credit conversion experience to reduce friction and drive business growth. This involves leading cross-functional initiatives and using data-driven insights to optimize the user journey from application to funding.
You will independently execute core components of the model risk management program, overseeing a diverse inventory of machine learning models and Generative AI applications. This involves partnering with cross-functional teams to conduct risk assessments, review methodologies, and ensure compliance with regulatory expectations.
Lead the design and execution of BSA/AML, CDD, and sanctions screening processes while serving as a compliance advisor for new deposit product initiatives. Develop key risk indicators and drive remediation efforts for audit and examination findings to ensure a strong compliance control environment.
The Data Analyst will own first-line secured lending data and reporting, ensuring accuracy and compliance with regulatory standards. They will lead regulatory filings, maintain data pipelines, and produce risk dashboards to support business oversight.
You will serve as commercial counsel for vendor and general commercial contracts, managing the full lifecycle from inception to execution. Additionally, you will collaborate with cross-functional teams to negotiate complex agreements and build scalable legal processes.
The Finance Manager will own the integrated financial model for Upstart Bank, leading forecasting, scenario analysis, and regulatory reporting. They will partner with cross-functional teams to provide actionable insights and support strategic decision-making for the bank's growth.
You will own the strategy and roadmap for the HELOC underwriting and verification experience to increase automation and instant approvals. You will collaborate with cross-functional teams including risk, ML, and capital to expand borrower eligibility and optimize decisioning systems.
Lead complex risk-based audits across banking, operational, and technology areas while partnering with stakeholders to strengthen governance. Support the development of the annual audit plan and leverage data analytics to improve audit quality and efficiency.
The Fraud Analyst will own first-line fraud detection and investigation across secured lending products, monitoring for suspicious activity throughout the loan lifecycle. They will also partner with Operations, Risk, and Compliance teams to document fraud typologies and strengthen internal controls.
The Funding & Liquidity Manager will own the bank's day-to-day funding and liquidity management framework, including executing wholesale funding strategies and managing collateral. They will also monitor liquidity positions, prepare stress-testing analyses, and maintain contingency funding plans to ensure a resilient balance sheet.
Lead the enterprise policy governance program and oversee the end-to-end policy lifecycle, including reviews, approvals, and version control. Manage governance activities for Board and Risk Committee meetings while ensuring all documentation is audit-ready and compliant with regulatory expectations.
The analyst will conduct loan-level quality reviews and monitor portfolio performance data to ensure compliance with investor and bank partner thresholds. They will also maintain model tracking tools, document findings, and prepare governance deliverables for regulatory examinations.
The role involves reviewing marketing campaigns and product launches to ensure compliance with consumer protection laws and regulatory frameworks. The manager will also build and scale the first-line compliance operating model by developing review frameworks and scalable processes.
Define and execute the long-term strategy for the pricing platform to enable scalable capabilities across multiple loan products. Lead the evolution of monolithic architectures into modular, service-oriented systems to increase engineering velocity and reliability.
Lead the strategy and execution of a greenfield Communications Platform to establish shared infrastructure for customer touchpoints. Partner with engineering and compliance to build scalable messaging APIs and governance controls that support AI-powered interactions.
Lead and develop a high-performing engineering team of 10+ members to build resilient, scalable technical solutions for debt management. Partner with Product, Risk, and ML teams to translate business needs into high-quality, compliant customer-facing products.
Lead the SRE team to improve the reliability, observability, and operational maturity of Upstart's products and services. Drive high-impact improvements in incident management and establish scalable operational readiness standards across the engineering organization.
Design and build high-quality, scalable mobile applications using React Native for the borrower-facing servicing experience. Collaborate with cross-functional teams to implement user-facing features and improve platform performance and reliability.
Manage a $11B+ risk capital portfolio by tracking performance, value, and risk while overseeing monthly settlement processes. Lead the automation roadmap using AI and mentor junior analysts on financial modeling and analysis.
Provide second-line compliance oversight for customer complaint management to identify systemic issues and reduce regulatory risk. Develop monitoring routines and reporting processes to strengthen the maturity of the complaints oversight program.
Lead the design and operation of first-line compliance controls for auto servicing, repossession, and recovery activities. Translate complex regulatory requirements into scalable operational and technology-friendly solutions while partnering with Product and Engineering teams.
Define the long-term technical roadmap for the Core Pricing platform to optimize the borrower-lender marketplace. Lead the design of scalable systems and collaborate with ML scientists to improve core business metrics and pricing models.
As a Senior Mobile Engineer, you will design and build high-quality mobile applications using React Native, directly influencing core servicing metrics. You will collaborate with product managers, designers, and backend engineers to deliver mobile features that enhance user experience.
Design and build scalable backend systems, services, and APIs to support the launch and scaling of Upstart Bank. Collaborate with cross-functional teams including Product, Compliance, and Legal to translate regulatory requirements into maintainable software.
Design, build, and maintain scalable backend systems and APIs to support the launch and scaling of Upstart Bank. Collaborate with cross-functional teams including Product, Compliance, and Legal to translate regulatory requirements into reliable software.
Own the fee and pricing mechanisms for loan products to optimize revenue and customer fairness. Partner with ML, Risk, and Engineering teams to design experiments and set the monetization roadmap.
Own the end-to-end funding delivery process for auto lending products to ensure accurate and timely delivery to partners and investors. Build scalable controls, reporting, and quality standards to reduce exceptions and ensure regulatory readiness.
Serve as the primary legal partner for the Home Equity Line of Credit (HELOC) product, providing strategic guidance throughout the product lifecycle. Collaborate cross-functionally to ensure compliance with federal and state regulations while supporting the transition to a national bank.
Design and operate highly available backend services and scalable systems for a real-time AI lending marketplace. Partner with cross-functional teams to translate complex business problems into technical solutions for marketplace optimization and monetization.
Lead end-to-end compliance workstreams for unsecured line of credit products, focusing on disclosures, statements, and credit reporting. Partner with Product, Engineering, and Legal teams to integrate regulatory requirements into product design and maintain audit-ready documentation.
Lead the design and delivery of complex frontend and full-stack initiatives for the Unsecured Installments product using React and TypeScript. Partner with product and design teams to translate roadmap priorities into scalable, high-quality borrower experiences while mentoring other engineers.
Design and operate privacy engineering services to support data governance, anonymization, and user control. Partner with cross-functional teams to translate privacy requirements into technical specifications and embed controls into the core architecture.
Lead the secured lending asset quality and loan salability function, overseeing monitoring of portfolio trends and model performance. Establish governance materials and reporting routines to ensure the portfolio remains within risk appetite and is ready for regulatory review.
Drive execution of strategic Capital Markets initiatives and manage operational governance across the investor lifecycle. Design scalable operating mechanisms and lead cross-functional programs to improve organizational efficiency and investor experience.
Lead the execution of go-to-market initiatives to grow the consumer credit marketplace by partnering with executive leaders at banks and credit unions. Recruit and develop a high-performing team of Account Executives to drive originations across various lending products.
Design and build scalable systems and user-facing workflows to support Upstart Bank's core platform and operations. Own the technical delivery of medium-to-large engineering projects while ensuring system reliability and auditability in a regulated environment.
Design and operate Kubernetes clusters and AWS infrastructure to support scalable product and machine learning workloads. Improve platform reliability and developer experience through infrastructure-as-code, GitOps workflows, and systemic incident resolution.
Lead the Privacy Engineering team in building scalable privacy infrastructure and technical controls for an AI lending marketplace. Collaborate with cross-functional teams to translate regulatory requirements into durable engineering systems and oversee privacy reviews.
Design and develop scalable APIs, services, and UIs for a configuration-driven white label platform. Collaborate with cross-functional teams to optimize business workflows and enhance the investor experience through self-service tools.
Develop and optimize user-facing features for the loan application and rate check journeys to improve conversion rates. Maintain full-stack web applications and contribute to the architectural direction of a next-generation platform funding form.
Own the strategy and performance of lifecycle marketing programs targeting prior Personal Loan applicants. Develop and optimize multi-channel customer journeys to increase engagement and funded loans.
Lead and grow engineering teams responsible for critical bank platform areas such as payments, funding, and reporting. Partner with cross-functional stakeholders to translate regulatory and business needs into scalable, audit-ready technical infrastructure.
Lead the lifecycle marketing strategy and execution for Personal and Small Dollar Loan products to drive revenue growth. Manage a team of marketers and collaborate with Product, Creative, and Analytics teams to optimize customer journeys.
Design and maintain scalable backend services and distributed systems for automated verification workflows and financial data platforms. Partner with cross-functional teams to integrate risk models and improve platform reliability and scalability.
Design and build scalable backend services for a unified communications platform covering SMS, email, and push notifications. Lead medium-sized projects to transform complex datasets into high-leverage marketing capabilities through APIs and streaming pipelines.
Lead the development and maintenance of the Enterprise-Wide BSA/AML/OFAC Compliance Program to mitigate financial crime risks. Oversee high-risk customer frameworks, conduct complex investigations, and serve as the primary contact for regulatory examinations and audits.
Lead and scale the Mobile Platform organization to drive the overall mobile strategy and ensure a high-performing customer experience. Responsibilities include building shared platform capabilities, accelerating mobile development, and managing a high-performing engineering team.
Design and optimize secure, scalable authentication and authorization systems for lending products. Collaborate with cross-functional teams to enhance IAM capabilities and improve the experimentation platform lifecycle.
The role focuses on migrating credit analytics and operational processes from legacy spreadsheets to a new internal platform. This involves executing testing plans, performing detailed data reconciliations, and partnering with technical teams to ensure platform readiness.
Build and scale core product capabilities for the Auto Secured Personal Loan product, focusing on customer-facing funnels and eligibility logic. Collaborate with product, risk, and operations teams to automate workflows and improve operational efficiency in a regulated environment.
Design and build internal software platforms and APIs to support risk, compliance, and operational workflows for Upstart Bank. Collaborate with cross-functional stakeholders to translate complex business requirements into scalable technical solutions.
Lead the architecture and implementation of internal platforms and security automation systems for Upstart Bank. Partner with cross-functional stakeholders to translate complex regulatory and business requirements into scalable software solutions.
Define and drive the technical strategy for securing production infrastructure and developer platforms. Lead cross-functional efforts to reduce systemic risk and build scalable security controls across cloud, compute, and deployment layers.
Build and lead the Product Quality program for Upstart Bank, establishing frameworks and governance to ensure lending products are accurate and compliant. Partner with cross-functional leaders to identify systemic issues, manage regulatory examinations, and mentor a team of quality analysts.
Lead the execution of the secured lending quality control program across origination, servicing, and collections. Drive root cause analysis for defects and partner with Compliance, Legal, and Risk teams to ensure regulatory alignment.
Lead the second-line technology and information security risk oversight program for Upstart Bank to ensure regulatory compliance. Provide independent review and credible challenge of first-line activities across cybersecurity, cloud infrastructure, and core banking systems.
Lead the design and development of scalable, low-latency services that convert ML underwriting outputs into risk and profitability measures. Collaborate with cross-functional teams to evolve the pricing platform and mentor other engineers in system design and operational excellence.
Build and maintain borrower-facing systems for Home Lending's application, decisioning, and closing experiences. Lead technical design for multi-quarter projects while ensuring production quality, reliability, and observability.
Drive the strategic direction and execution of the Auto Secured Personal Loans (ASPL) product to increase conversion and eliminate customer friction. Collaborate with cross-functional teams including engineering, UX, legal, and capital markets to scale the product and onboard capital.
Lead and develop a high-performing engineering team to build a scalable marketing platform for direct mail, digital ads, and partner integrations. Define the engineering roadmap and collaborate with cross-functional partners to optimize user outreach and conversion through data-driven insights.
Design and build scalable backend services and platform capabilities to standardize loan origination workflows across multiple products and partners. Focus on improving system reliability, observability, and decoupling legacy infrastructure to create reusable platform capabilities.
Lead the strategy and execution of security engineering programs across enterprise security, security operations, and detection engineering. Manage and develop a team of security professionals to build proactive controls and improve threat detection and response capabilities.
Lead a team of security engineers to scale security practices across application, infrastructure, and offensive security domains. Partner with cross-functional leaders to define the security roadmap, embed secure-by-design practices, and reduce systemic risk for AI-driven products.
Build and maintain scalable backend systems and data pipelines to support audience segmentation and marketing attribution. Partner with product and marketing stakeholders to improve data availability, maintainability, and observability.
Design and build scalable backend services for a unified communications platform supporting SMS, email, and push notifications. Partner with cross-functional teams to translate complex datasets into high-leverage marketing capabilities and lead medium-sized projects from design to launch.
Act as a player-coach leading a small team of ML scientists while contributing directly to code and model design. Take strategic ownership of specific product areas to translate ML predictions into business impact and lending outcomes.
Support capital markets and finance teams in executing financing transactions, including securitizations and purchase and sale agreements. Draft and negotiate transactional documents with institutional investors while managing deal flow and legal risk.
Design and build scalable systems, services, and user-facing workflows to support the core platform and operations of Upstart Bank. Collaborate with product, compliance, and engineering teams to deliver reliable, audit-ready software in a regulated financial environment.
Design end-to-end user experiences for borrower-facing flows and translate product requirements into wireframes, prototypes, and high-fidelity visuals. Collaborate with product managers and engineers to ensure design intent is preserved through development and delivery.
You will own the end-to-end direct mail strategy and execution for the HELOC product to drive efficient customer acquisition. Additionally, you will manage offline growth channels and partner with data science teams to refine targeting models and testing frameworks.
You will lead a team focused on improving the reliability, speed, and usability of the software delivery platform through CI/CD and developer experience enhancements. The role involves driving execution, mentoring engineers, and partnering with cross-functional teams to implement a self-service delivery model.
You will lead engineering initiatives to build scalable, reusable infrastructure that accelerates the machine learning modeling lifecycle. This involves collaborating with cross-functional teams to design systems that improve predictive accuracy and operational efficiency.
Lead the development of analytical capabilities to support servicing initiatives and drive operational efficiency through data-driven insights. Collaborate with cross-functional teams to design experiments, build business intelligence tools, and communicate strategic recommendations to leadership.
This is a talent community invitation, not a specific job posting, but the Product Team's mission is to expand access to credit and reimagine the future of lending by building innovative, data-driven solutions. They aim to transform the lending experience to be more inclusive, efficient, and customer-centric by leveraging technology, user insights, and seamless design.
The Senior Collections Specialist will be responsible for empowering borrowers by leveraging collections expertise to offer personalized solutions and secure payment agreements through effective negotiation and empathy. Success is measured by exceeding key performance indicators such as dollars collected per productive hour and promise-to-pay commitments kept.
This role involves setting technical direction and driving the architecture for the end-to-end applicant journey, focusing on maximizing originations while maintaining trust and risk integrity. Key duties include evolving platform architecture by decomposing coupled systems into scalable services and leading AI-driven experimentation opportunities.
This role involves responding to inbound customer inquiries via phone and email, managing escalations from frontline vendor support, and serving as a subject matter expert for products and procedures. Responsibilities also include contributing to support documentation and identifying process improvement opportunities based on customer feedback.
