Senior Manager, Software Engineering Personalization and ML Enablement

About Upstart

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts AI marketplace Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races ages and genders while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload.

Upstart is a digital-first company which means that most Upstarters live and work anywhere in the United States. However we also have offices in San Mateo California; Columbus Ohio; and Austin Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart wed love to hear from you!

The Team

The Servicing Personalization and and ML Enablement team at Upstart is pioneering how we adapt borrower experiences using machine learning. Today all borrowers are treated uniformly regardless of their financial situations. This team is changing that by introducing intelligent adaptive systems that personalize communication outreach and servicing strategies. As the Senior Engineering Manager youll play a foundational role in building this capability from the ground updefining both the technical vision and team culture. Reporting to a Sr Director of Engineering youll lead the creation of a new team spanning ML engineers and software engineers focused on personalization selection and experimentation infrastructure.

How Youll Make an Impact

• Define and drive the multi-year technical roadmap for personalization and selection systems across Upstarts servicing domain.
• Build and scale a high-caliber team of engineers and ML practitioners that can deliver both infrastructure and ML models in production.
• Launch ML-powered personalization models that adapt borrower experiences in real time reducing delinquencies and increasing satisfaction.
• Lead the development of experimentation platforms (e.g. A / B testing bandits) that accelerate model iteration and feature evaluation.
• Collaborate cross-functionally with Product Data Science and ML leadership to ensure alignment with borrower and business outcomes.
• Embed fairness explainability and governance into all personalization efforts to ensure responsible AI practices at scale.
• Establish clear metrics for model impact (e.g. lift latency precision / recall) and build observability practices for robust operations.

Minimum Qualifications

Preferred Qualifications

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 locationwith 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

$180600 $250000 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures backgrounds perspectives and experiences and know that we can only become better together.

If you require reasonable accommodation in completing an application interviewing completing any pre-employment testing or otherwise participating in the employee selection process please email

Experience : Senior Manager

Key Skills

Data Center Experience,ArcGIS,Cloud Infrastructure,Construction Estimating,Go,Mathcad,React,Redux,AWS,Software Development,Auto Estimating,Distributed Systems

Employment Type : Full Time

Experience : years

Vacancy : 1