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 1,800 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 ASPL team is on a mission to provide effortless access to compelling auto-secured lending products. We are focused on expanding eligibility, reducing friction throughout the borrower journey, and building the platform capabilities that allow us to bring new secured lending experiences to market. We work closely with product, design, analytics, operations, legal, and compliance partners to deliver customer experiences that are fast, clear, and trustworthy in a regulated environment.
As the Senior Engineering Manager for ASPL, you will lead a high-impact engineering team responsible for increasing eligibility, improving conversion, and building new product capabilities that help Upstart serve a larger portion of the population. You will set execution priorities, remove blockers, and develop engineers to ship reliable, observable, and maintainable systems.
How you’ll make an impact
- Lead and develop a team of engineers working across borrower-facing flows, backend services, and platform capabilities that increase eligibility and reduce friction.
- Partner with cross-functional stakeholders to define roadmaps, shape requirements, and deliver solutions that balance growth, customer experience, and risk.
- Drive execution on cross-functional initiatives that expand access to auto-secured lending and enable new product capabilities.
- Improve the speed, quality, and reliability of delivery by setting clear priorities, raising engineering standards, and building healthy execution mechanisms.
- Use data to identify funnel bottlenecks, evaluate tradeoffs, and guide investments that improve conversion, automation, and operational efficiency.
- Coach engineers and technical leaders, grow team capability over time, and build an inclusive team culture grounded in ownership and continuous improvement.
Minimum Qualifications
- 8+ years of experience building and operating production software systems, including distributed systems or cloud-based applications.
- 3+ years of experience managing software engineers.
- Experience leading cross-functional engineering initiatives from planning through production launch.
- Experience working on customer-facing products with measurable business outcomes.
- Experience partnering with product, design, and non-engineering stakeholders to deliver solutions in a fast-moving environment.
Preferred Qualifications
- Experience delivering products in fintech or another regulated industry.
- Ability to use metrics and experimentation to identify opportunities and make product and engineering tradeoffs.
- Experience leading teams through periods of rapid product or organizational growth.
- Experience supporting both new product development and ongoing platform or systems improvements.
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 or Canada (outside of Quebec) but are expected to spend high quality time in-person collaborating via regular onsites and in-person meetings. The onsite 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-MidSenior --> use for L5, L6
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
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
- Paid time off, sick and safe time, and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
- 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
- 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 and onsites, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
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