Jobs at Upstart

• Own the engineering roadmap for Upstart's marketplace simulation platform, and decide which teams and use cases it serves next
• Lead, coach, and grow a team of engineers working across distributed services, offline data pipelines, and large-scale compute

• Lead application security projects from planning through implementation, coordinating contributors and dependencies to deliver high-quality outcomes.
• Conduct threat modeling and security architecture reviews for complex customer-facing applications, APIs, distributed services, and AI/ML systems.

• Lead the creative vision and execution across Paid Social channels, ensuring design excellence, platform relevance, and brand consistency across all creative assets.
• Stay informed on performance and testing results, applying learnings to generate creative hypotheses, inform future assets, and proactively develop new creative tests.

• Lead successful cross-team and/or multi-quarter, multi-engineer projects
• Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind

• Define the cross-company technical vision and roadmap for Upstart's pricing platform, ensuring alignment across Pricing, Personal Loans, Auto, HELOC, ML, and Product organizations.
• Lead the architectural evolution from tightly coupled, sequential workflows toward modular, reusable platform capabilities across loan products.

• Build, maintain, and optimize Upstart’s next-generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning.
• Develop high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business

• Build and improve services, automation, and developer tooling that enable engineering teams to safely release and deploy software to production
• Develop reliable deployment capabilities, including progressive rollouts, deployment health analysis, and automated rollback, to reduce the risk of production changes

• Define and drive the strategy and roadmap for Upstart’s experimentation platform, balancing immediate business needs with a scalable, long-term platform vision supportive of agentic products.
• Collaborate with Machine Learning, Analytics, and Engineering to build shared experimentation capabilities, including approaches for randomized experiments, model deployments, feature flags, and other emerging patterns.

• Own the strategy, roadmap, and execution for a major Capital Platform problem space with material business impact
• Lead multi-quarter, cross-team initiatives that require deep systems thinking and operate under significant ambiguity

• Identify the highest-impact causes of payment failures and lead solutions that improve payment success and borrower outcomes.
• Improve how we understand an individual borrower’s ability to repay, including through thoughtful use of third-party data sources.

• Shape the next generation of Upstart’s design system, defining the component architecture, token strategy, and visual language that guide how products are built across the company.
• Define our platform strategy across web and mobile app, deciding what should be shared and where each experience should feel distinct.

• Design, build, and maintain reliable backend services and APIs that support Cash Line and the broader borrower journey.
• Develop systems that power offer generation, pricing, underwriting, funding, and account management experiences.

• Own and evolve the strategy for Upstart's end-to-end conversion experience, from application start through offer acceptance and beyond.
• Take on the hardest conversion problems with a customer-first mindset, such as helping users whose offer differs from what they requested understand their options and move forward with confidence.

• Partner with Machine Learning teams, GenAI application developers, business sponsors, and other stakeholders to maintain accurate inventories, risk assessments, documentation, monitoring reports, and supporting governance materials for models and GenAI applications affecting Upstart Bank.
• Review methodologies, assumptions, data inputs, system designs, performance measures, controls,...

• Financial Planning & Modeling

Own and enhance the bank's integrated financial model across the income statement, balance sheet, cash flow, capital, liquidity, and regulatory forecasting
Develop long-range forecasts, scenario analyses, and planning assumptions that support strategic planning and regulatory readiness
Support strategic planning by evaluating new products, funding strategies, and balance sheet initiatives through financial modeling and scenario analysis
Continuously improve model governance, automation, and forecasting accuracy

• Own the strategy and roadmap for streamlining the our decisioning & verification experience, translating risk, capital, compliance, and borrower-experience needs into clear priorities, requirements, and launch plans
• Collaborate cross-functionally with Capital, Compliance, Risk, and ML on expanding underwriting...

• Manage HMDA and CRA data integrity reviews, including routine monitoring, exception tracking, and remediation.
• Coordinate the annual HMDA Loan/Application Register (LAR) and CRA data submission processes.

• Research machine learning and statistical approaches that improve the predictive performance of unsecured underwriting models.
• Design, implement, and evaluate model enhancements using rigorous experimentation and validation methods.

• Define and execute the product strategy and roadmap for Upstart's Communications Platform, balancing immediate business needs with a long-term platform vision.
• Partner with engineering to build shared platform capabilities, including messaging APIs, delivery infrastructure, governance controls, and communication data models that support multiple products and channels.

• Build and maintain user-facing features in our React Native mobile apps across iOS (and Android, as we expand).
• Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms.