About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team
The Servicing Personalization and and ML Enablement team at Upstart is pioneering how we adapt borrower experiences using machine learning. Today, all borrowers are treated uniformly regardless of their financial situations. This team is changing that by introducing intelligent, adaptive systems that personalize communication, outreach, and servicing strategies. As the Senior Engineering Manager, you’ll play a foundational role in building this capability from the ground up—defining both the technical vision and team culture. Reporting to a Sr Director of Engineering, you’ll lead the creation of a new team spanning ML engineers and software engineers focused on personalization, selection, and experimentation infrastructure.
How You’ll Make an Impact
- Define and drive the multi-year technical roadmap for personalization and selection systems across Upstart’s servicing domain.
- Build and scale a high-caliber team of engineers and ML practitioners that can deliver both infrastructure and ML models in production.
- Launch ML-powered personalization models that adapt borrower experiences in real time, reducing delinquencies and increasing satisfaction.
- Lead the development of experimentation platforms (e.g., A/B testing, bandits) that accelerate model iteration and feature evaluation.
- Collaborate cross-functionally with Product, Data Science, and ML leadership to ensure alignment with borrower and business outcomes.
- Embed fairness, explainability, and governance into all personalization efforts to ensure responsible AI practices at scale.
- Establish clear metrics for model impact (e.g., lift, latency, precision/recall) and build observability practices for robust operations.
Minimum Qualifications
- 10+ years of software engineering experience, including 4+ years in people management roles.
- Hands-on experience with ML systems, personalization engines, recommendation platforms, or experimentation infrastructure.
- Deep technical understanding of machine learning fundamentals, data pipelines, and deploying models at scale.
- Proven ability to hire and grow high-performing ML and engineering talent in fast-paced, ambiguous environments.
- Strong strategic thinking with the ability to connect engineering efforts to business and borrower outcomes.
- Effective communication skills and a track record of cross-functional leadership.
Preferred Qualifications
- Experience with large-scale ML serving systems, online learning, or ranking/recommender systems.
- Familiarity with experimentation methodologies such as multi-armed bandits or reinforcement learning.
- Experience working with MLOps, data engineering, and applied ML research teams.
- Awareness of ethical AI topics including fairness, explainability, and model governance.
- Demonstrated success deploying ML systems in production environments serving millions of users.
- Strong systems thinking approach to infrastructure that enables scale, reliability, and iteration.
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI, lenders can approve more borrowers at lower rates across races, ages, and genders, while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans.
If you are energized by the impact you think you could make at Upstart, we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced, and we encourage ownership at all levels of the organization. As a result, culture at Upstart is driven by Upstarters. Upstarters are proactive, talented, multi-dimensional and collaborative.
Gallery
Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo, California; Columbus, Ohio; and Austin, Texas.
