Senior Engineering Manager, Upstart Bank
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 (opening Summer 2026), 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 Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale.
As Senior Manager, Software Engineering for Upstart Bank, you will lead one or more engineering teams responsible for a critical area of the bank platform. You will translate product, regulatory, and operational priorities into technical plans and reliable execution across systems spanning areas such as payments, funding, reporting, or integrations. You will partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and senior engineering leaders to deliver scalable, reliable, and audit-ready infrastructure for a modern banking platform.
This is a rare opportunity to help build a modern bank platform from an early foundation rather than inherit a legacy core.
How you’ll make an impact
- Lead and grow one or more engineering teams responsible for a critical area of the Upstart Bank platform
- Drive execution across complex, bank-critical systems in areas such as ledgering and funding, deposits and payments, reporting, or integrations
- Partner with Product, Compliance, Legal, Risk, Finance, and Operations to translate business and regulatory needs into technical plans and delivered software
- Contribute to technical direction and architecture for your area, ensuring systems support reliability, resilience, security, traceability, and auditability
- Manage cross-functional dependencies and improve the predictability and quality of delivery across teams
- Build engineering processes that support internal controls, audits, change management, and reliable operation in a regulated environment
- Hire, coach, and develop engineers and emerging engineering leaders
- Foster a culture of rigor, ownership, accountability, and continuous improvement
Minimum Qualifications
- Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience
- 8+ years of engineering experience, including 3+ years of engineering management experience
- Experience leading engineering teams through complex, cross-functional platform or infrastructure initiatives
- Strong technical background with experience contributing to architecture and technical direction for distributed systems, cloud platforms, or business-critical infrastructure
- Experience operating in regulated, high-control, or high-reliability environments where quality, controls, auditability, and change management are critical
Preferred Qualifications
- Experience building or integrating core financial infrastructure such as ledgering, payments, deposits, funding systems, reporting, or financial integrations
- Experience in banking, fintech, payments, lending, or other regulated financial systems
- Experience building platforms that support internal controls, audits, and reliable operation in regulated environments
- Experience leading platform modernization, core-system launches, vendor integrations, or major infrastructure transformations
- Experience developing senior engineers, tech leads, or emerging engineering leaders
- Demonstrated ability to balance speed, quality, reliability, and compliance in high-stakes technical environments
- Interest in improving access to credit through technology and scalable financial infrastructure
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-MidSenior
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).
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 (opening Summer 2026!)
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
Business Development Representative
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 (opening Summer 2026), 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.
Upstart is building the future for car buying. We’re a fun-loving, hard working group of trail blazers who believe anything is possible with the right team.
A leading AI leading platform, and are now better positioned than ever to deliver on our mission to create the world’s best car buying experience with cutting-edge auto-retail software.
More than $1 trillion of cars are sold each year in the U.S., yet it consistently ranks as one of the worst consumer experiences in America. This is the perfect chance to get in early, help fix that, and make a big impact in one of the world’s largest industries. If that sounds exciting to you, we’d love to chat.
The Team:
Upstart’s Auto Retail team is focused on building partnerships with auto dealerships to expand access to financing through Upstart Auto Finance (UAF). The team plays a critical role in connecting dealerships with our lending platform, helping drive adoption and revenue growth.
As a Business Development Representative (BDR), you will focus on generating pipeline for the sales team by engaging dealership decision-makers and setting qualified meetings.
This role is highly performance-driven and foundational to the success of the broader sales organization. You’ll work closely with experienced teammates and leadership in a structured environment designed to help you ramp quickly and build strong outbound sales skills.
- Generate qualified pipeline by conducting high-volume outbound outreach (primarily phone, supported by email) to auto dealerships
- Set meetings with key decision-makers, including General Managers, General Sales Managers, and Finance leaders
- Manage a defined territory across dealership tiers and account segments, prioritizing outreach based on opportunity size and account data
- Meet or exceed weekly and monthly pipeline and meeting quotas
- Use tools such as Nooks and Gong to execute outreach, review performance, and improve messaging
- Analyze call performance and incorporate feedback from coaching, call reviews, and role-play exercises to improve conversion rates
- Partner with Account Executives to ensure smooth handoff of qualified opportunities
- Continuously refine pitch delivery and objection handling through practice, shadowing, and feedback
Minimum Qualifications
- 6+ months of experience in a Business Development Representative (BDR) or Sales Development Representative (SDR) role within a SaaS company
- Experience conducting outbound prospecting activities, including cold calling and email outreach
- Proven track record of meeting or exceeding activity or pipeline generation quotas
- Use tools such as Nooks, Salesforce, Outreach, Sendoso, Zoominfo and Gong to execute outreach, review performance, and improve messaging
- Experience communicating with external business stakeholders via phone and email
Preferred Qualifications
- Strong phone communication skills, including ability to handle objections and guide conversations with prospective customers
- Ability to manage time, prioritize outreach, and maintain consistent activity levels in a quota-driven environment
- Experience learning and applying new tools and processes in a fast-paced sales environment
- Knowledge of the automotive retail industry or experience working with auto dealerships
- Interest in building a career in sales, with motivation to grow into closing roles over time
Position location: Austin, Texas. This is a hybrid role that has regular in-person engagement.
At Upstart, your base pay is one part of your total compensation package. The anticipated annualized base salary for this position is expected to be within this 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). Sales positions generally offer a competitive On Target Earnings (OTE) incentive compensation structure. The salary listed below for sales roles is On Target Earnings which includes both salary and commission, assuming 100% target achievement.
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 (opening Summer 2026!)
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
Senior Software Engineer, Upstart Bank
Product Designer, Unsecured Lending
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 (opening Summer 2026), 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 Product Experience team brings together product design, research, and content strategy to shape the future of lending. We focus on high-craft execution, deep customer insight, and measurable business impact, partnering across product areas to build experiences that are clear, trustworthy, and human. Our Unsecured Lending team focuses on building borrower-facing experiences across personal loans and revolving credit products. This team owns core moments in the borrower journey, including rate selection, origination, and repayment, with a focus on clarity and trust.
As a Product Designer at Upstart, you will support feature-level design work across these experiences, partnering closely with product managers and engineers. You’ll work within established design direction to deliver high-quality, production-ready designs that directly impact millions of borrower interactions.
How you’ll make an impact
- Design end-to-end user experiences across borrower-facing flows
- Translate product requirements into wireframes, interactive prototypes,, and high-fidelity visual designs
- Collaborate with product managers and engineers to align on scope, constraints, and implementation details
- Deliver production-ready designs and ensure design intent is preserved through development handoff
- Incorporate user feedback, data insights, and stakeholder input to iterate on designs
- Partner with adjacent teams (e.g., Growth) to ensure seamless experiences across the borrower journey
Minimum Qualifications
- 3+ years of product design experience, owning small-to-medium projects end-to-end
- End-to-end design: problem/goal definition, rapid user testing and user research, wireframing and strong iterative instincts, interaction and visual design including strong typography skills, running an articulate and repeatable user-centered design process
- Proficiency in Figma, strong fluency in GenAI tools
- Gives, receives, and incorporates feedback at each stage
- Gets stakeholder buy-in; delivers smooth design handoffs where resolution matches design intent
- Understands business context at a high level and how design impacts it
- Fluency in working within design systems
Preferred Qualifications
- Experience with complex multi-step flows with branching outcomes and plentiful edge cases (applications, forms, comparison tools)
- Strong familiarity with contributing to or advancing design systems
- Experience in Fintech, lending, insurance, or other heavily regulated consumer products
- Experience working in a triad model (PM/Eng/Design)
Position location This role is available in the following locations: Remote
Time zone requirements The team operates on the East/West coast time zones.
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
#LI-MidSenior
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).
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).
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 (opening Summer 2026!)
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
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