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.
Upstart
88 Remote Job Openings at Upstart
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.
Build and maintain borrower-facing web experiences using React and TypeScript to improve the digital lending journey. Collaborate with product, design, and backend teams to implement full-stack features and ensure high performance and accessibility.
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.
Own first-line fraud detection and investigation for secured lending products, monitoring for suspicious activity across the loan life cycle. Identify emerging fraud typologies and prepare comprehensive SAR referral packages while partnering with Risk, Compliance, and Legal teams.
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.
Design and operate distributed, event-driven systems to automate accounting close processes and capital risk workflows. Lead multi-quarter engineering initiatives to improve the reliability and scalability of critical financial platforms.
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 operate distributed, event-driven systems to automate accounting close processes and capital risk workflows. Lead multi-quarter engineering initiatives to improve the reliability and scalability of critical financial platforms.
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.
The HMDA/CRA Data Analyst is responsible for managing data integrity reviews and coordinating data submission processes. This role involves performing data validation, quality control testing, and partnering with various teams to resolve discrepancies.
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.
Lead the execution of the bank's end-to-end third-party risk management program, including due diligence, onboarding, and ongoing monitoring. Manage the TPRM team and serve as the second-line escalation point for complex risk matters while ensuring regulatory exam readiness.
Design, build, and operate Kubernetes-based ephemeral environments to enable efficient software development and validation. Improve platform reliability and scalability while building self-service tooling to reduce operational toil.
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 tax information reporting compliance for Forms 1099 and 1098, including backup withholding and IRS notice resolution. Partner with cross-functional teams to design and implement scalable tax infrastructure and improve customer-facing tax workflows.
Lead the Android migration and development for Cash Line and Unsecured Installment product surfaces to support an aggressive app launch plan. Set the long-term technical direction for mobile architecture across native Android and React Native surfaces.
Design and build core backend systems for a new revolving credit product, focusing on underwriting, pricing, and servicing. Collaborate with ML and mobile engineers to integrate AI-driven decisioning and deliver seamless consumer-facing features.
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.
Execute second-line Treasury risk monitoring, tracking key risk indicators and escalating breaches across liquidity, interest rate, and capital management. Support the independent review of first-line activities and prepare reporting materials for ALCO and the board risk committee.
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.
Prepare and review bank-specific accounting records and ensure the timely submission of regulatory filings such as Call Reports and FR Y-series. Partner with cross-functional teams to validate data, support SEC filings, and maintain reporting controls and documentation.
Lead the second line of defense (2LOD) credit risk oversight by developing monitoring frameworks and dashboards to track portfolio performance. Provide independent challenge to credit strategies and underwriting models to ensure alignment with risk appetite and regulatory expectations.
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.
Support capital markets legal and business teams by organizing the closing and administration of complex financing transactions. Draft basic legal documents and manage ongoing transaction compliance, including covenant tracking and UCC filings.
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.
Build and lead the first-line vendor oversight function for secured lending, managing the full lifecycle of critical third-party relationships. This includes establishing governance frameworks, monitoring vendor performance against contractual terms, and ensuring exam-ready documentation for regulatory review.
Build and lead the Operational Excellence organization, overseeing functions such as issue management, customer complaints, and quality control. Establish strategies and governance frameworks to mitigate operational risks and improve customer outcomes across the lending lifecycle.
Lead first-line compliance and control oversight for acquisition channels, marketing programs, and partner relationships to ensure regulatory adherence. Build and maintain the business control framework while serving as the primary point of contact for audits and regulatory examinations.
Lead corporate governance and board support for a proposed OCC-chartered bank, ensuring compliance with regulatory frameworks. Manage affiliate transactions, intercompany agreements, and primary engagement with regulators like the OCC, FDIC, and Federal Reserve.
Lead corporate governance and board support for an OCC-chartered bank, ensuring regulatory compliance and examination readiness. Manage affiliate transactions, intercompany agreements, and provide guidance on the Bank Holding Company Act and Regulation W.
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.
Act as the primary legal point person for Lending Partnerships, providing strategic advice to mitigate risk and drive business growth. Review, draft, and negotiate a wide variety of complex commercial agreements including SaaS, loan sale, and servicing agreements.
Define the long-term technical vision for offer optimization and conversion modeling systems to improve marketplace efficiency. Lead large, ambiguous initiatives and align cross-functional teams to ensure a unified architecture for decision-making systems.
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.
Partner with Operations and Risk leaders to provide coaching, manage performance, and resolve employee relations issues. Contribute to company-wide People programs to drive team effectiveness and a consistent employee experience.
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 the enterprise strategy and execution of the business continuity and disaster recovery program to ensure bank-grade operational resilience. This includes owning the business impact analysis process and coordinating cross-functional recovery exercises and testing.
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.
Senior Software Engineer - Partner Integrations and Origination Platform
Upstart
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Full Time
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2 months ago
Upstart
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.
As a SecOps Engineer, you will build automated response mechanisms, triage and respond to critical alerts, and hunt for threats in the environment. You will also be involved in monitoring and actively defending Upstart's corporate and product infrastructure.
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.
Lead and grow engineering teams responsible for critical areas of the Upstart Bank platform, including payments, funding, and reporting. Translate regulatory and business priorities into technical plans while ensuring systems are scalable, secure, and audit-ready.
Own and scale the end-to-end lifecycle marketing strategy for emerging products, specifically focusing on the Cash Line product. Design and optimize multi-channel customer journeys across activation, retention, and winback stages using a mobile-first approach.
Lead analytics for digital acquisition channels, focusing on paid search, social, video, and SEO to drive growth strategy. Develop advanced measurement frameworks like MMM and geo-based testing to optimize user behavior and funnel performance.
Generate a qualified sales pipeline by conducting high-volume outbound outreach to auto dealership decision-makers. Set meetings and partner with Account Executives to ensure a smooth handoff of opportunities.
Design and implement security controls for cloud, platform, and deployment systems to ensure secure-by-default infrastructure. Partner with engineering teams to review architectures, automate preventative controls, and remediate systemic weaknesses.
The Director of Corporate Communications will lead the development and execution of corporate messaging, executive visibility, and media relations strategies. They will partner with senior leadership to translate complex business and industry topics into compelling narratives that build trust and credibility.
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 lead the design of AI-powered payment experiences, bridging platform capabilities with user needs across web and conversational interfaces. You will partner with product and engineering teams to translate complex financial workflows into intuitive, high-impact user experiences.
Lead creative strategy and execution across owned brand channels including social media, website, and design systems. Drive brand campaign development from concept to delivery while mentoring a multi-disciplinary creative team.
Senior Performance Marketing Manager, Direct Mail and Offline Growth,
Upstart
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Full Time
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3 months ago
Upstart
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.
The Principal Product Analyst will lead the analytics roadmap for unsecured installment products by partnering with cross-functional teams to drive product strategy. They will own the end-to-end A/B testing lifecycle and execute high-impact behavioral analyses to optimize user journeys and product performance.
Design and evolve backend services, data models, and reporting APIs to support capital partners. Maintain reliable data pipelines and reporting systems while improving operational health and system observability.
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.
