Careers at Upstart

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Cash Line is one of Upstart's core lending products, helping borrowers access flexible credit through a seamless, digitally native experience. The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and account management, while partnering closely with the broader lending platform that powers Upstart at scale. As a Software Engineer on the Cash Line team, you'll design, build, and operate the backend systems that power these experiences. You'll work primarily with backend services, APIs, and data flows that support pricing, underwriting, funding, and account management. This is a hands-on role where you'll own meaningful features end to end, collaborate across disciplines, and deepen your technical expertise on a business-critical product. How You’ll Make an Impact 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. Work across the stack as needed to integrate backend capabilities with borrower-facing applications and partner systems. Partner closely with product managers, designers, and engineers to scope, build, and ship features that improve borrower flows and reduce friction. Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's codebase. Contribute to the performance, scalability, reliability, and observability of the systems you own, and help diagnose and resolve issues across environments. Support experimentation and iterative improvements by building flexible services and using data and customer feedback to inform what gets built next. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 4+ years of professional software engineering experience. Strong proficiency building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js. Experience designing and working with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures. Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment. Ability to work effectively with product and design partners to deliver features from requirements through production. Preferred Qualifications Experience building scalable, reliable systems for consumer-facing products with complex user journeys. Familiarity with automated testing, CI/CD workflows, observability, and modern software development practices. Exposure to fintech, lending, payments, or other regulated financial products. Experience with experimentation, A/B testing, or feature flagging in production environments. Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development. Passion for building products that expand access to credit and improve financial outcomes for consumers. Position Location This role is available remotely. As a digital-first company, the majority of your work can be accomplished remotely. Most Upstart employees can live and work anywhere in the U.S. and are encouraged to spend meaningful time collaborating in person through regular onsite gatherings. The cadence varies by team and role; most teams meet once or twice per quarter for two to four consecutive days at a time. Travel Requirements Occasional travel may be required for team onsites and other company gatherings. #LI-REMOTE #LI-Associate 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). United States | Remote - Anticipated Base Salary Range $142,000 — $196,600 USD 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). Canada | Remote - Anticipated Base Salary Range $136,000 — $184,800 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Cash Line is one of Upstart's core lending products, helping borrowers access flexible credit through a seamless, digitally native experience. The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and account management, while partnering closely with the broader lending platform that powers Upstart at scale. As a Software Engineer on the Cash Line team, you'll design, build, and operate the backend systems that power these experiences. You'll work primarily with backend services, APIs, and data flows that support pricing, underwriting, funding, and account management. This is a hands-on role where you'll own meaningful features end to end, collaborate across disciplines, and deepen your technical expertise on a business-critical product. How You’ll Make an Impact 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. Work across the stack as needed to integrate backend capabilities with borrower-facing applications and partner systems. Partner closely with product managers, designers, and engineers to scope, build, and ship features that improve borrower flows and reduce friction. Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's codebase. Contribute to the performance, scalability, reliability, and observability of the systems you own, and help diagnose and resolve issues across environments. Support experimentation and iterative improvements by building flexible services and using data and customer feedback to inform what gets built next. Minimum Qualifications Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 4+ years of professional software engineering experience. Strong proficiency building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js. Experience designing and working with REST or GraphQL APIs, data models, and distributed systems or service-oriented architectures. Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment. Ability to work effectively with product and design partners to deliver features from requirements through production. Preferred Qualifications Experience building scalable, reliable systems for consumer-facing products with complex user journeys. Familiarity with automated testing, CI/CD workflows, observability, and modern software development practices. Exposure to fintech, lending, payments, or other regulated financial products. Experience with experimentation, A/B testing, or feature flagging in production environments. Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development. Passion for building products that expand access to credit and improve financial outcomes for consumers. Position Location This role is available remotely. As a digital-first company, the majority of your work can be accomplished remotely. Most Upstart employees can live and work anywhere in the U.S. and are encouraged to spend meaningful time collaborating in person through regular onsite gatherings. The cadence varies by team and role; most teams meet once or twice per quarter for two to four consecutive days at a time. Travel Requirements Occasional travel may be required for team onsites and other company gatherings. #LI-REMOTE #LI-Associate 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). United States | Remote - Anticipated Base Salary Range $142,000 — $196,600 USD 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). Canada | Remote - Anticipated Base Salary Range $136,000 — $184,800 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s ML Data Enablement team is a platform team with end-to-end ownership (from source to inference) of the data lifecycle that powers all ML models across external vendors and internal datasets. The team’s mission is to make it dramatically easier for ML teams to discover, evaluate, trust, and productionize high-impact data. — with particular emphasis on accelerating new third-party data onboarding and unlocking under-leveraged internal data. The team builds scalable infrastructure, standardized workflows, and quality guarantees that reduce integration time, increase evaluation velocity, and enforce strong ownership and SLAs across the ML data lifecycle. As the Sr. Engineering Manager - ML Data Enablement, you will lead this organization and define the strategy, operating model, and execution roadmap that increases data evaluation velocity and reduces time-to-production for high-value data sources. You will partner cross-functionally with ML, ML Platform, Procurement, Data Platform, and product engineering teams to transform data from a bottleneck into a durable competitive advantage. How you’ll make an impact Build and lead a high-performing team spanning data integration, data quality, metadata, and ML-critical data infrastructure for online inference and offline training , including standing up new dedicated integration capacity where needed. Set and execute the technical strategy aligned to measurable north star metrics such as increasing data evaluation velocity and reducing time to production. Drive robust data quality and reconciliation frameworks, including retro vs. production checks, ingress-level monitoring, and drift detection to prevent launch issues and downstream model degradation. Champion a company-wide shift toward data contracts and SLAs, ensuring data producers adopt clear ownership, quality standards, and monitoring practices for ML-critical datasets. Establish clear end-to-end ownership across the third-party and internal data lifecycle, eliminating fragmented workflows and implicit accountability. Accelerate third-party data onboarding by operationalizing standardized vendor intake, secure retro ingestion, templated integrations, and configurable microservices that reduce engineering lift and cycle time. Unlock internal data for ML innovation by improving metadata coverage, lineage standards, ownership contracts, and ML discoverability across high-impact internal domains What we’re looking for Minimum requirements Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of engineer experience, including at least 3 years of direct people management experience Owned production data pipelines that enable both offline training and online inference Proven experience building and scaling data systems in modern stacks (e.g., Databricks/Spark, Python, SQL, AWS, streaming systems, orchestration frameworks) and distributed systems architecture. Demonstrated ownership of complex cross-functional initiatives spanning engineering, ML, and business stakeholders, including delivery under peer pushback and dependency negotiation. Experience designing and enforcing data quality frameworks and observability for production systems, including reconciliation, drift detection, and incident/postmortem operating loops. Preferred qualifications 10+ years in data engineering AND ML platform OR ML data platform roles , with 5+ years managing engineering teams. (strongly preferred( Experience with feature stores and real-time feature delivery or equivalent feature transformation interfaces used in inference . Strong knowledge of lakehouse architecture and big data processing frameworks. Familiarity with DevOps and infrastructure-as-code practices (Kubernetes, Terraform, CI/CD). Experience in fintech or other regulated environments where explainability, auditability, and controls matter. Ability to translate complex technical tradeoffs into business impact and influence cross-functional strategy. 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). United States | Remote - Anticipated Base Salary Range $195,000 — $270,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s ML Data Enablement team is a platform team with end-to-end ownership (from source to inference) of the data lifecycle that powers all ML models across external vendors and internal datasets. The team’s mission is to make it dramatically easier for ML teams to discover, evaluate, trust, and productionize high-impact data. — with particular emphasis on accelerating new third-party data onboarding and unlocking under-leveraged internal data. The team builds scalable infrastructure, standardized workflows, and quality guarantees that reduce integration time, increase evaluation velocity, and enforce strong ownership and SLAs across the ML data lifecycle. As the Sr. Engineering Manager - ML Data Enablement, you will lead this organization and define the strategy, operating model, and execution roadmap that increases data evaluation velocity and reduces time-to-production for high-value data sources. You will partner cross-functionally with ML, ML Platform, Procurement, Data Platform, and product engineering teams to transform data from a bottleneck into a durable competitive advantage. How you’ll make an impact Build and lead a high-performing team spanning data integration, data quality, metadata, and ML-critical data infrastructure for online inference and offline training , including standing up new dedicated integration capacity where needed. Set and execute the technical strategy aligned to measurable north star metrics such as increasing data evaluation velocity and reducing time to production. Drive robust data quality and reconciliation frameworks, including retro vs. production checks, ingress-level monitoring, and drift detection to prevent launch issues and downstream model degradation. Champion a company-wide shift toward data contracts and SLAs, ensuring data producers adopt clear ownership, quality standards, and monitoring practices for ML-critical datasets. Establish clear end-to-end ownership across the third-party and internal data lifecycle, eliminating fragmented workflows and implicit accountability. Accelerate third-party data onboarding by operationalizing standardized vendor intake, secure retro ingestion, templated integrations, and configurable microservices that reduce engineering lift and cycle time. Unlock internal data for ML innovation by improving metadata coverage, lineage standards, ownership contracts, and ML discoverability across high-impact internal domains What we’re looking for Minimum requirements Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of engineer experience, including at least 3 years of direct people management experience Owned production data pipelines that enable both offline training and online inference Proven experience building and scaling data systems in modern stacks (e.g., Databricks/Spark, Python, SQL, AWS, streaming systems, orchestration frameworks) and distributed systems architecture. Demonstrated ownership of complex cross-functional initiatives spanning engineering, ML, and business stakeholders, including delivery under peer pushback and dependency negotiation. Experience designing and enforcing data quality frameworks and observability for production systems, including reconciliation, drift detection, and incident/postmortem operating loops. Preferred qualifications 10+ years in data engineering AND ML platform OR ML data platform roles , with 5+ years managing engineering teams. (strongly preferred( Experience with feature stores and real-time feature delivery or equivalent feature transformation interfaces used in inference . Strong knowledge of lakehouse architecture and big data processing frameworks. Familiarity with DevOps and infrastructure-as-code practices (Kubernetes, Terraform, CI/CD). Experience in fintech or other regulated environments where explainability, auditability, and controls matter. Ability to translate complex technical tradeoffs into business impact and influence cross-functional strategy. 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). United States | Remote - Anticipated Base Salary Range $195,000 — $270,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Role As an Applied Scientist Intern, you will become a specialist in our models, products, business and/or codebase. You will identify potential problems or opportunities for improvement, communicate these to the team and suggest solutions. This involves self-directed investigation, offline analyses using creative thinking as well as presentation to the ML team. You will receive mentorship from experienced ML practitioners and collaborate closely with the team to improve our products and models. How you’ll make an impact Research machine learning and statistical approaches to discover improvements to the predictive performance and/or business value of a model. Design, implement, and evaluate model, product, or technical enhancements using rigorous experimentation and validation methods. Translate research findings into clear recommendations, documented methodologies, and production-ready solutions. Work with your mentor to align stakeholders, and drive next steps. Minimum Qualifications Bachelor. Masters or PHD degree in mathematics, statistics, physics, econometrics, computer science, or a related quantitative field. On track to graduate by 2028. Strong fundamentals in statistical, probability, and machine learning theory. Ability to perform data analysis and evaluate machine learning or statistical models using Python, as well as basic SQL foundations. Intellectual curiosity, humility, drive and teamwork. Strong communication skills. Ability to use modern agentic tooling (Claude Code, Codex, …) efficiently. Preferred Qualifications Phd in mathematics, statistics, physics, econometrics, computer science, or a related quantitative field. On track to graduate by the summer of 2028. Experience in supervised learning, model evaluation, and feature engineering techniques. Advanced statistical (frequentist, bayesian, causal) theory/econometrics knowledge. Strong coding skills in Python. Position location This role is Fully Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. To this end, over the course of the internship, you will meet to collaborate once or twice, for 2-4 consecutive days at a time. This internship is eligible for a different set of benefits than those listed below for our full-time roles. Your recruiter will be happy to share more details. #LI-REMOTE #LI-Internship 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). United States | Remote - Anticipated Base Salary Range $141,000 — $150,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Role As an Applied Scientist Intern, you will become a specialist in our models, products, business and/or codebase. You will identify potential problems or opportunities for improvement, communicate these to the team and suggest solutions. This involves self-directed investigation, offline analyses using creative thinking as well as presentation to the ML team. You will receive mentorship from experienced ML practitioners and collaborate closely with the team to improve our products and models. How you’ll make an impact Research machine learning and statistical approaches to discover improvements to the predictive performance and/or business value of a model. Design, implement, and evaluate model, product, or technical enhancements using rigorous experimentation and validation methods. Translate research findings into clear recommendations, documented methodologies, and production-ready solutions. Work with your mentor to align stakeholders, and drive next steps. Minimum Qualifications Bachelor. Masters or PHD degree in mathematics, statistics, physics, econometrics, computer science, or a related quantitative field. On track to graduate by 2028. Strong fundamentals in statistical, probability, and machine learning theory. Ability to perform data analysis and evaluate machine learning or statistical models using Python, as well as basic SQL foundations. Intellectual curiosity, humility, drive and teamwork. Strong communication skills. Ability to use modern agentic tooling (Claude Code, Codex, …) efficiently. Preferred Qualifications Phd in mathematics, statistics, physics, econometrics, computer science, or a related quantitative field. On track to graduate by the summer of 2028. Experience in supervised learning, model evaluation, and feature engineering techniques. Advanced statistical (frequentist, bayesian, causal) theory/econometrics knowledge. Strong coding skills in Python. Position location This role is Fully Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. To this end, over the course of the internship, you will meet to collaborate once or twice, for 2-4 consecutive days at a time. This internship is eligible for a different set of benefits than those listed below for our full-time roles. Your recruiter will be happy to share more details. #LI-REMOTE #LI-Internship 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). United States | Remote - Anticipated Base Salary Range $141,000 — $150,000 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript Experience designing, building, testing, and operating production software, internal tooling, or infrastructure Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations Experience participating in on call or incident response for production systems Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments Experience building internal reliability, observability, incident management, or operational automation tools Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness Experience operating distributed applications with complex dependencies and high availability requirements Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate 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). United States | Remote - Anticipated Base Salary Range $142,000 — $196,600 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team Upstart’s Site Reliability Engineering team enables engineers to operate reliable, resilient, and observable production systems at scale. We build the platforms, tooling, automation, and operational practices that help teams understand system health, respond effectively when things go wrong, and continuously improve the reliability of the services they own. Our goal is to make reliability an integrated part of how software operates at Upstart. We provide shared observability and reliability capabilities, improve incident response and operational readiness, automate recurring operational work, and use system and customer data to identify where reliability investments will have the greatest impact. SRE partners closely with product engineering, Cloud Platform, Delivery, Developer Platform, Security, and other infrastructure teams. SRE provides shared reliability capabilities and operational practices, while engineering teams remain accountable for the reliability and operation of the services they build. The Role As a Software Engineer on the Site Reliability Engineering team, you will build and operate systems that improve the reliability, resiliency, and observability of Upstart’s production environment. You will work across observability platforms, reliability tooling, incident response systems, operational automation, and resiliency capabilities. You will independently deliver well scoped engineering projects, contribute to technical design, and use production data and operational experience to improve systems used across engineering. We are looking for engineers who are thoughtful and intentional about how AI changes software development and operations. You should be comfortable using AI throughout the engineering lifecycle, including understanding unfamiliar systems, investigating production behavior, planning implementation, accelerating development, validating changes, and automating repetitive work. We expect engineers to continually develop more effective ways of working with increasingly capable AI tools and to apply sound engineering judgment to where they provide the most leverage. How you’ll make an impact Build and improve the tooling, services, and automation that help engineers understand and improve the reliability of production systems Develop shared observability capabilities that make metrics, logs, traces, service health, and customer impact easier to understand and act on Improve incident response and operational readiness through better tooling, automation, standards, and actionable production signals Build resiliency capabilities that help teams identify failure modes, reduce operational risk, and recover effectively from infrastructure or application failures Identify recurring operational toil and reliability problems and replace manual processes with durable software and automation Use AI as an integrated part of software development and operational problem solving, while identifying opportunities for AI enabled capabilities that improve incident investigation, observability, reliability, and engineering efficiency Minimum Qualifications 3+ years of professional experience in software engineering, site reliability engineering, or a related engineering discipline Strong software development skills in one or more general purpose programming languages such as Python, Go, JavaScript, or TypeScript Experience designing, building, testing, and operating production software, internal tooling, or infrastructure Experience with cloud infrastructure, distributed systems, observability, monitoring, or production operations Experience participating in on call or incident response for production systems Demonstrated ability to independently deliver well scoped engineering projects, navigate technical ambiguity, and collaborate effectively across engineering teams Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continually evolving how you use these tools as their capabilities advance Preferred Qualifications Experience with Kubernetes, AWS, infrastructure as code, and cloud native production environments Experience building internal reliability, observability, incident management, or operational automation tools Experience with observability platforms such as Datadog, Sumo Logic, CloudWatch, or similar technologies Experience with reliability practices such as service level objectives, capacity planning, resiliency testing, disaster recovery, or operational readiness Experience operating distributed applications with complex dependencies and high availability requirements Experience building AI enabled operational workflows, tools, or automation that extend beyond individual code generation Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate 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). United States | Remote - Anticipated Base Salary Range $142,000 — $196,600 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Developer Platform team enables engineers to build, test, and validate software quickly, consistently, and with confidence. We own foundational systems and workflows engineers rely on before software reaches production, including build and continuous integration infrastructure, ephemeral environments, shared test infrastructure, and developer tooling. Our goal is to make the path from code change to deployable software fast, reliable, and self-service. We build platforms that provide trusted feedback early, enable engineers to validate changes in production-like environments, and make common development and testing capabilities easy to adopt across engineering. We partner closely with Delivery, Cloud Platform, Site Reliability Engineering, Security, and product engineering teams to create a cohesive developer experience. As a Software Engineer II, Developer Platform at Upstart, you will build and operate systems used by engineers across Upstart to develop, test, and prepare software for production. You’ll work across continuous integration infrastructure, Kubernetes-based ephemeral environments, test infrastructure, and developer tooling while independently delivering well-scoped engineering projects and contributing to technical design. How you’ll make an impact: Build and improve services, infrastructure, and developer tooling that power continuous integration, ephemeral environments, and automated testing across Upstart Develop scalable Kubernetes- and AWS-based capabilities that enable engineers to create and use production-like environments through reliable, self-service workflows Build shared infrastructure for test execution, orchestration, environment setup, and results to provide engineers with fast, trustworthy feedback during development and continuous integration Improve platform reliability, performance, observability, and cost efficiency by diagnosing recurring issues and implementing durable software and infrastructure improvements Replace manual or fragmented developer workflows with reusable APIs, automation, and platform capabilities that simplify common development tasks Use AI throughout software development and problem solving, and identify opportunities for AI-enabled workflows and capabilities that improve developer productivity across Upstart Minimum Qualifications: Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent), plus 3 years of professional software engineering experience Experience developing production software using one or more general-purpose programming languages Experience designing, building, testing, and operating production software or infrastructure Experience working with cloud infrastructure, distributed systems, continuous integration systems, developer tooling, or backend services Experience independently delivering well-scoped software engineering projects from technical design through production operation Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continuously evolving how you use these tools as their capabilities advance Preferred Qualifications: Experience with Kubernetes control-plane engineering, AWS, containers, or infrastructure as code Knowledge of developer tooling, continuous integration systems, internal developer platforms, or shared test infrastructure Experience building or operating ephemeral or production-like development and testing environments Experience building APIs, services, command-line tools, test orchestration, or automation used by other engineers Experience using AI-assisted development tools across the software engineering lifecycle or building AI-enabled developer workflows and automation Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate 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). United States | Remote - Anticipated Base Salary Range $142,000 — $196,600 USD 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). Canada | Remote - Anticipated Base Salary Range $136,000 — $165,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Developer Platform team enables engineers to build, test, and validate software quickly, consistently, and with confidence. We own foundational systems and workflows engineers rely on before software reaches production, including build and continuous integration infrastructure, ephemeral environments, shared test infrastructure, and developer tooling. Our goal is to make the path from code change to deployable software fast, reliable, and self-service. We build platforms that provide trusted feedback early, enable engineers to validate changes in production-like environments, and make common development and testing capabilities easy to adopt across engineering. We partner closely with Delivery, Cloud Platform, Site Reliability Engineering, Security, and product engineering teams to create a cohesive developer experience. As a Software Engineer II, Developer Platform at Upstart, you will build and operate systems used by engineers across Upstart to develop, test, and prepare software for production. You’ll work across continuous integration infrastructure, Kubernetes-based ephemeral environments, test infrastructure, and developer tooling while independently delivering well-scoped engineering projects and contributing to technical design. How you’ll make an impact: Build and improve services, infrastructure, and developer tooling that power continuous integration, ephemeral environments, and automated testing across Upstart Develop scalable Kubernetes- and AWS-based capabilities that enable engineers to create and use production-like environments through reliable, self-service workflows Build shared infrastructure for test execution, orchestration, environment setup, and results to provide engineers with fast, trustworthy feedback during development and continuous integration Improve platform reliability, performance, observability, and cost efficiency by diagnosing recurring issues and implementing durable software and infrastructure improvements Replace manual or fragmented developer workflows with reusable APIs, automation, and platform capabilities that simplify common development tasks Use AI throughout software development and problem solving, and identify opportunities for AI-enabled workflows and capabilities that improve developer productivity across Upstart Minimum Qualifications: Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or its equivalent), plus 3 years of professional software engineering experience Experience developing production software using one or more general-purpose programming languages Experience designing, building, testing, and operating production software or infrastructure Experience working with cloud infrastructure, distributed systems, continuous integration systems, developer tooling, or backend services Experience independently delivering well-scoped software engineering projects from technical design through production operation Demonstrated experience using AI assisted development tools across multiple stages of the software engineering lifecycle, with an interest in continuously evolving how you use these tools as their capabilities advance Preferred Qualifications: Experience with Kubernetes control-plane engineering, AWS, containers, or infrastructure as code Knowledge of developer tooling, continuous integration systems, internal developer platforms, or shared test infrastructure Experience building or operating ephemeral or production-like development and testing environments Experience building APIs, services, command-line tools, test orchestration, or automation used by other engineers Experience using AI-assisted development tools across the software engineering lifecycle or building AI-enabled developer workflows and automation Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-Associate 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). United States | Remote - Anticipated Base Salary Range $142,000 — $196,600 USD 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). Canada | Remote - Anticipated Base Salary Range $136,000 — $165,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. Health Savings Account contributions from Upstart for eligible plans (US only) Income protection benefits, including life insurance and disability coverage for added financial security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support caregiving and major life moments (duration varies by country) Family-centered benefits to support fertility, parenthood, and caregiving needs Employee Assistance Program (EAP) offering mental health support and life-centered resources Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only) Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from Connection and community through team events, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. 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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy