You will identify, attract, and develop new bank and credit union partnerships to expand the company's depository capital base. This involves structuring complex deals and collaborating cross-functionally to turn high-potential opportunities into durable partnerships.
Define and execute the long-term lifecycle marketing strategy across the company's product portfolio to drive engagement and growth. Lead a high-performing team while partnering with cross-functional departments to optimize customer journeys through data-driven experiences and automation.
You will own the strategy, execution, and growth of paid social acquisition for the Personal Loans business, managing media budgets and performance. You will partner with creative and analytics teams to design structured tests and optimize the full acquisition funnel.
Lead and grow a team of engineers to own and scale the marketplace simulation platform for machine learning models. Drive the engineering roadmap to improve simulation reliability, reduce compute costs, and expand coverage across the lending funnel.
You will own and scale paid digital acquisition across SEM, paid social, and display channels to drive growth for the HELOC product. This involves managing media budgets, executing campaign strategies, and running rigorous experimentation to optimize CPA and ROI.
The Senior Credit Disputes Specialist manages and resolves customer disputes related to credit reporting while ensuring compliance with regulatory requirements like the FCRA. They act as a liaison between credit reporting agencies and the company to maintain the accuracy and integrity of credit information.
The Staff Credit Analyst will develop and maintain credit analytics for portfolio monitoring, forecasting, and valuation while supporting risk capital strategies. They will collaborate with cross-functional teams to translate complex credit dynamics into actionable insights and scalable analytical solutions.
The Account Executive will introduce Upstart Auto Finance to dealerships, driving new partnerships from initial contact to signed agreement. They will act as a consultant to help dealers optimize their credit decisioning, funding speed, and profitability through AI-driven solutions.
You will manage a portfolio of lower-volume dealer partners by overseeing the entire relationship lifecycle from launch through ongoing performance management. This involves using data-driven insights to guide dealerships in adopting Upstart's lending program and resolving operational barriers.
The analyst will conduct loan-level quality reviews and monitor portfolio performance trends to ensure adherence to salability and risk thresholds. They will also maintain tracking tools, document findings, and prepare governance deliverables for bank partners and regulatory reviews.
Lead and develop a high-performing engineering team to build scalable, resilient solutions for debt management and borrower servicing. Partner with product, risk, and machine learning teams to translate business requirements into effective technical strategies.
Resolve complex borrower inquiries across email, chat, and phone while maintaining high standards for accuracy and efficiency. Investigate borrower concerns using internal systems and contribute insights to improve servicing processes and resources.
Lead the creative vision and execution for paid social channels, ensuring design excellence and brand consistency across all assets. Partner with marketing and external agencies to develop high-impact evergreen and influencer creative based on performance insights and testing.
Design and evolve backend services, data models, and reporting APIs to support partner-facing financial reporting. Build and maintain scalable data pipelines while ensuring system reliability and operational health through automation and observability.
You will build and operate foundational systems, including continuous integration infrastructure and Kubernetes-based ephemeral environments, to enable efficient software development. Additionally, you will develop reusable APIs and automation tools to improve developer productivity and platform reliability across the organization.
You will lead cross-functional projects to develop and optimize a cutting-edge loan servicing platform while automating business processes. Your role involves building scalable backend solutions and integrating machine learning models to improve decision-making and customer experience.
You will build and optimize an MLOps platform to support machine learning model inference, process automation, and model deployment. Additionally, you will develop a marketplace simulation platform to enable rapid innovation across ML and Finance teams.
Lead and develop a team of mortgage underwriting professionals to deliver accurate and consistent credit decisions. Partner with cross-functional teams to operationalize credit policy, resolve complex lending scenarios, and improve underwriting workflows.
You will build and operate systems that enable engineering teams to safely release and deploy software to production. This includes developing deployment capabilities, improving observability, and automating workflows to ensure reliable software delivery.
Define and drive the strategy and roadmap for Upstart's experimentation platform to improve experimentation rigor and scalability. Collaborate with machine learning, analytics, and engineering teams to build shared capabilities and establish a center of excellence for experimentation.
Own the strategy, roadmap, and execution for complex capital platform problem spaces to enable reliable and scalable capital flow. Lead cross-functional initiatives across product, engineering, finance, and compliance to deliver durable, enterprise-grade platform capabilities.
You will own the product strategy and execution for the payments platform, focusing on improving payment success and borrower outcomes. You will also partner with cross-functional teams to build scalable platform primitives and define the roadmap for the servicing organization.
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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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.
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 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.
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.
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.
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.
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 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.
