Upstart

Data Engineer

• Lead and evolve Upstart’s data platform organization, including Database Engineering, Data Capture, Data Curation, and Production Experience & Data Governance
• Build platforms and tooling that enable engineering teams to develop and manage reliable data pipelines
• Set the strategy and roadmap for Upstart’s data infrastructure
• Translate business and technical priorities into high-impact infrastructure investments
• Modernize Upstart’s operational data architecture
• Partner with engineering teams to simplify systems, improve reliability and data quality, and reduce technical debt
• Develop engineering leaders and teams
• Establish clear ownership, operating practices, and technical standards across the data platform organization
• Partner across Analytics, Analytics Engineering, Engineering, and Machine Learning Platform to understand shared needs and establish priorities
• Potentially expand scope to include Analytics Engineering, leading an organization of approximately 50 people and five direct reports

Senior Director of Data Platform Engineering

Product Manager

• Set strategy for a fast-growing credit product while balancing customer needs and business health
• Translate behavioral insights into product features that reward trust and unlock value over time
• Partner with Design, Engineering, ML, Risk, Finance, and Analytics to create an executable roadmap
• Monitor competitive landscape and adjust product and pricing decisions
• Connect product decisions to contribution margin and cohort economics
• Leverage Upstart’s underwriting, capital, and ecosystem strengths to grow Cash Line
• Define success metrics and prioritize high-ROI opportunities through experimentation
• Own the Cash Line product end-to-end while proving product-market fit and building a category-defining product

Principal Product Manager, Cash Line

Infrastructure Engineer

• Own the Databricks Lakehouse platform across multiple environments, including the regulated Upstart Bank environment
• Expand infrastructure as code for new Lakehouse features and enforce a no-click-ops policy
• Establish disaster recovery and implement least-privilege and attribute-based access controls
• Ensure environment isolation and resolve known security risks
• Close control gaps and automate evidence gathering for OCC, SOX, and SOC audits
• Reduce Databricks and AWS spend through cost attribution, waste detection, and platform-level optimizations
• Evaluate and adopt new technologies, including open-source lakehouse alternatives
• Improve developer efficiency and infrastructure reliability with Data Engineering, Machine Learning, Analytics, Compliance, and Security stakeholders
• Improve Lakehouse security, usage efficiency, and observability
• Evangelize coding and engineering best practices and mentor junior engineers
• Break complex projects and requirements into quarterly commitments and sprints
• Own Lakehouse infrastructure components end to end, from technical requirements and design through rollout and production support

Senior Infrastructure Engineer

Technical Program Manager

• Own program planning, execution, and outcomes for complex, high-impact Auto Retail initiatives
• Surface operational signals and customer pain points
• Analyze problems and opportunities and develop clear, stack-ranked recommendations
• Drive PM-prioritized initiatives from technical planning through launch and rollout
• Monitor post-launch results and identify opportunities for iteration and improvement
• Lead complex, cross-functional software initiatives from alignment through delivery
• Coordinate across Product, Engineering, Servicing, Analytics, Machine Learning, Fraud, Legal, Compliance, Operations, and dealer-facing partners
• Translate ambiguous problem spaces into actionable plans with milestones, dependencies, risks, decision points, and owners
• Partner with Product Managers on business strategy and prioritization
• Partner with Engineering Managers and engineering teams on technical approaches and execution plans
• Evaluate software architecture, data models, data movement, data pipelines, and technical trade-offs
• Identify blockers, clarify ownership, surface downstream impacts, and resolve delivery risks
• Establish lightweight program-management practices that improve coordination and visibility

Senior Technical Program Manager

Operations

• Lead the strategy and execution of Home Lending Servicing Operations
• Define the long-term servicing roadmap and operating model
• Oversee third-party servicing BPO partners, including performance expectations, SLAs, quality standards, and governance routines
• Partner with Product and Engineering on servicing capabilities, automation, and process improvements
• Collaborate with Risk, Compliance, Investor Services, Finance, Legal, and Capital Markets on regulatory, investor, and internal control requirements
• Analyze servicing performance metrics and operational data to identify trends, root causes, and improvements
• Provide mortgage servicing subject matter expertise across payment application, interest accrual, escrow administration, payoff calculations, draw administration, and servicing transfers
• Develop operational controls, reporting, and vendor governance processes
• Lead, coach, and develop operations leaders

Senior Manager, Home Lending Operations

Manager

• Own the HMDA data-quality lifecycle, including periodic Loan/Application Register reviews, quarterly and annual filing preparation, and oversight of reporting accuracy and timeliness
• Identify data-quality issues and root causes, partner with business teams on corrective actions, and monitor remediation through resolution
• Build and maintain a risk-based HMDA sampling and quality-assurance program for second-line challenge of business-owned reporting data
• Perform and support geographic analysis of lending patterns to identify potential redlining and other Fair Lending risks
• Partner with Product Compliance, Fair Lending, Model Risk, and business teams to clarify responsibilities, improve controls, and promote consistent data-quality practices
• Use automation and Generative AI responsibly to improve sampling, anomaly detection, trend analysis, and documentation while maintaining human review for regulatory interpretation and reporting decisions

HMDA/Fair Lending Manager

Engineering Manager

• Lead the ML Data Enablement organization
• Define the team’s strategy, operating model, and execution roadmap
• Build and lead a high-performing team spanning data integration, data quality, metadata, and ML-critical data infrastructure for online inference and offline training
• Establish dedicated integration capacity where needed
• Set and execute technical strategy against metrics such as data evaluation velocity and time to production
• Drive data quality and reconciliation frameworks, including retro-versus-production checks, ingress-level monitoring, and drift detection
• Champion company-wide data contracts and SLAs for ML-critical datasets
• Establish end-to-end ownership across third-party and internal data lifecycles
• Accelerate third-party data onboarding through standardized vendor intake, secure retro ingestion, templated integrations, and configurable microservices
• Improve metadata coverage, lineage standards, ownership contracts, and ML discoverability across internal data domains
• Partner with ML, ML Platform, Procurement, Data Platform, and product engineering teams

Senior Engineering Manager – Machine Learning Data Enablement

DevOps Engineer

• Build and improve tooling, services, and automation for production-system reliability
• Develop shared observability capabilities for metrics, logs, traces, service health, and customer impact
• Improve incident response and operational readiness through tooling, automation, standards, and production signals
• Build resiliency capabilities to identify failure modes, reduce operational risk, and recover from infrastructure or application failures
• Replace recurring manual operational work with durable software and automation
• Use AI throughout software development and operational problem solving
• Identify opportunities for AI-enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency
• Independently deliver well-scoped engineering projects and contribute to technical design
• Partner with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and infrastructure teams

Software Engineer – Site Reliability

Full-stack Engineer

• Design, build, and operate scalable backend systems for real-time marketplace decisioning, matching, offer selection, and monetization
• Build platform capabilities for experimentation with allocation strategies, marketplace economics, and monetization approaches
• Develop reliable, observable services balancing availability, latency, correctness, and operational simplicity
• Partner with Product, Machine Learning, Pricing Engineering, Data Science, Capital Markets, and Lending Partnerships
• Make architectural decisions that simplify systems, reduce coupling, and create reusable marketplace capabilities
• Use Generative AI tools for implementation, testing, debugging, documentation, and learning while maintaining ownership of technical decisions, security, code quality, and correctness

Software Engineer II, Marketplace Optimization

General Counsel

• Serve as the primary legal partner for Upstart’s Home Equity Line of Credit (HELOC) product
• Provide strategic legal counsel to Product, Engineering, Risk, Compliance, and Operations teams
• Support the transition from a state-licensed lender to a national bank
• Advise on federal and state consumer lending laws, secured lending products, mortgage regulations, and regulatory developments
• Provide legal counsel on future products, potentially including purchase-money mortgages
• Partner with stakeholders to design compliant product features, customer experiences, operational processes, and servicing capabilities
• Lead legal support for new product initiatives, regulatory change management, and home-lending market expansion
• Collaborate with Product & Regulatory Legal and other legal teams, including Privacy, Fair Lending, Capital Markets, and Commercial Contracts
• Collaborate with regulators, bank partners, outside counsel, and internal stakeholders
• Identify and communicate key legal risks to business partners and senior leadership through clear, actionable recommendations

Lead Legal Counsel – HELOC

Research Scientist

• Become a specialist in Upstart’s models, products, business, and/or codebase
• Identify problems or opportunities for improvement and communicate them to the team
• Conduct self-directed investigations and offline analyses
• Present findings to the machine learning team
• Research machine learning and statistical approaches to improve predictive performance and/or business value
• Design, implement, and evaluate model, product, or technical enhancements through rigorous experimentation and validation
• Translate research findings into recommendations, documented methodologies, and production-ready solutions
• Align stakeholders with a mentor and drive next steps
• Collaborate with experienced machine learning practitioners to improve products and models

Applied Scientist Intern

Brand Manager

• Lead art direction for organic social content, ensuring cultural relevance, platform fluency, and brand consistency
• Partner with Social leadership to concept and execute work from concept through final execution
• Contribute craft and creative perspective to brand campaigns beyond social
• Track cultural and platform trends and translate them into timely, on-brand creative
• Balance high-volume fast-turn social work with occasional campaign-scale production
• Direct on commercial and campaign sets or support senior creative leadership

Art Director, Brand Social

Risk

• Own the Whole Loan Trading and First-Line Model Governance function end-to-end, reporting to the Head of Secured Lending
• Lead a small team of asset quality analysts across home equity line of credit, auto direct, and auto indirect dealer channels
• Set review methodology, operating cadence, reporting standards, and escalation routines
• Monitor portfolio-level salability risk, including eligibility adherence, defect patterns, collateral documentation quality, and exception concentrations
• Escalate repurchase and put-back risk to Capital Markets and bank partners
• Monitor asset quality and portfolio performance indicators, including early payment defaults, delinquency, loss severity, prepayment, non-performing loans, exception patterns, and threshold breaches
• Evaluate origination and channel quality, collateral documentation, lien perfection, override trends, pricing consistency, dealer or partner performance, concentration risk, and fair lending exposure
• Own first-line model implementation and performance oversight, including production monitoring, threshold tracking, version control, use-case boundaries, model inventory updates, and change impact assessment
• Identify root causes, define remediation plans, track issue closure, and escalate risks before they affect loan sales, partner commitments, or regulatory readiness
• Partner with Credit Risk, Capital Markets, Model Risk Management, Product, Engineering, Compliance, Legal, Operations, and bank partners