Upstart Holdings, Inc. operates an AI-powered lending marketplace that connects consumers with bank and credit union partners for personal loans, auto loans, and home equity lines of credit. Its underwriting model uses machine learning and non-traditional data alongside credit scores to assess borrower risk, and it does not itself act as the lender on most loans. The company is a public, Nasdaq-listed fintech (ticker UPST) based in Burlingame, California.

About UpstartAt 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 Our Core ML organization is looking for an exceptional, hands-on Machine Learning Manager to join our leadership group. Because our ML teams share common codebases and modeling pipelines, we are searching for generalist ML leaders who can be deployed to the areas of our business where they will have the most impact.Rather than hiring for one specific silo, we match candidates to the right team based on their unique background, technical strengths, and interests. Depending on your expertise, you could step in to lead one of several high-priority teams, such as:<ul><li>Cash Line: Leading the 0→1 ML innovation for our brand new subscription-based line of credit, building core underwriting and customer behavior models (churn, draw, default) in a domain with limited data and long feedback loops.</li><li>Auto Retail Lending (ARL): Tackling unique, deep-modeling challenges such as competing risk, collateral, and recovery modeling for dealership-based auto lending.</li><li>Underwriting: Managing MLE-heavy engineering and research efforts to optimize our core unsecured personal loan models.</li></ul>This is a highly technical player-coach role. You will not be managing a massive organization; instead, you will lead a small, nimble team of individual contributors (Research Scientists, Data Scientists, or Machine Learning Engineers). This role is designed for a builder who wants to retain meaningful strategic scope, maintain a roughly 50/50 split between technical execution and management, and act as the definitive ML owner for their product space.How you'll make an impact:<ul><li>Act as a Player-Coach: Dive deep into the data and code. You will spend a significant portion of your time making direct technical contributions, reviewing code/PRs, and understanding the mathematical nuances of your team's models.</li><li>Lead Strategic Initiatives: Take ownership of a specific product area (like Cash Line or Auto) and serve as the de facto ML leader in cross-functional strategy meetings.</li><li>Drive 0→1 and Scaling ML Efforts: Depending on your team placement, you may build out entirely new capabilities from scratch or optimize highly mature models dealing with massive scale and shifting macro-economic regimes.</li><li>Translate Models to Business Impact: Design and refine decision engines that translate model predictions into accurate, transparent, and customer-friendly lending outcomes.</li></ul>What we're looking for:<ul><li>Minimum Qualifications<ul> <li>Experience
<ul><li>6+ years of experience developing and deploying machine learning models in production with direct business impact.</li><li>Proven track record of leading high-impact ML initiatives from research through productionization.</li><li>Advanced degree in a quantitative field (e.g., computer science, statistics, economics, operations research, etc).</li></ul>Technical abilities and attitude
<ul><li>Strong technical judgment and ability to dive deep into model design, data analysis, and evaluation. </li><li>Keen statistical, economic and business intuition, and comfort with reasoning under uncertainty and data limitations.</li><li>Knowledge of production ML, ability to adapt to new tech stacks and get in the weeds of work output from the team. </li><li>Excited and able to make direct technical contributions when needed.</li></ul>Leadership
<ul><li>Exceptional leadership skills with experience developing teams of highly technical ML scientists.</li><li>Attract, mentor, and grow a top-tier team of ML scientists passionate about expanding access to credit.</li><li>Proven ability to influence and collaborate cross-functionally with Product, Engineering, Capital Markets and other teams.</li><li>Strong project management skills with experience scaling processes and operational workflows.</li></ul></li></ul> </li></ul><ul><li>Preferred Qualifications<ul> <li>PhD in Computer Science, Statistics, Economics or a related field.</li><li>Proven success building and scaling new ML products from inception.</li><li>Familiarity with lending, lines of credit, or other consumer finance products. </li><li>Hands-on familiarity with end-to-end ML infrastructure, including experimentation pipelines, feature stores, and model monitoring. Ability to uplevel team’s engineering practices and drive cross-functional engineering design.</li></ul> </li></ul>Position Location - This role is available in the following locations: US RemoteTime Zone Requirements - This team operates on the East/West Coast time zones.Travel Requirements - This team has regular on-site collaboration sessions. These occur 3-4 days per quarter at one of our offices. If you need to travel to make these meetups, Upstart will cover all travel related expenses.#LI-REMOTE#LI-MidSeniorAt 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$238,400—$330,200 USDAt 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$220,200—$277,000 CADWhat you'll loveAt Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:<ul><li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly </li><li>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)</li><li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li><li>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.</li><li>Health Savings Account contributions from Upstart for eligible plans (US only)</li><li>Income protection benefits, including life insurance and disability coverage for added financial security</li><li>Paid time off, sick leave, and company holidays, in line with local requirements</li><li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li><li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li><li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li><li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li><li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li><li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li><li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li><li>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!)</li></ul>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<a href="https://www.upstart.com/candidate_privacy_policy" rel="noopener noreferrer">https://www.upstart.com/candidate_privacy_policy</a>
Departments: Machine Learning

Senior Manager, Machine Learning

About UpstartAt 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.<h2>The Team: </h2>Upstart’s Growth and Marketplace Optimization teams are responsible for building the decision systems that determine how offers are presented, optimized, and evolved across the customer journey. These systems sit at the intersection of machine learning, optimization, pricing, marketplace dynamics, and borrower behavior. The work spans partner channels, onsite experiences, and marketplace optimization, with the goal of improving conversion, borrower experience, lender surplus, and overall marketplace efficiency. As these systems continue to evolve, the organization is investing in a more unified technical vision that connects decision-making across stages rather than optimizing individual components in isolation.<h2>The Role:</h2>As a Principal Applied Scientist at Upstart, you will help define the long-term technical direction for some of Upstart’s most important offer optimization and conversion modeling systems. You will work across multiple teams to define how conversion modeling, offer optimization, and system design should fit together, ensuring models and optimization systems account for downstream effects, marketplace constraints, and customer outcomes. This role is intentionally broad and high leverage. You will help structure ambiguous problem spaces, design solutions that account for interactions across multiple stages of the customer journey, and provide technical oversight to ensure work across multiple teams converges toward a coherent long-term vision. The work sits at the intersection of operations research, optimization, causal machine learning, and production decision systems.<h2>How you’ll make an impact:</h2><ul><li>Define the technical vision for how offer decisioning systems should interconnect across partnerships, always-on systems, and marketplace optimization</li><li>Build and guide conversion modeling approaches that optimize decisions across multiple stages of the customer journey rather than in isolated local steps</li><li>Ensure models and decision policies at one stage account for downstream impacts, business constraints, and later-stage optimization opportunities</li><li>Design interfaces between decision systems and optimization or constraint-specification components</li><li>Drive cross-functional technical alignment across teams that currently own adjacent pieces of the problem</li><li>Scope and lead large, ambiguous initiatives that require both deep modeling judgment and strong systems thinking</li><li>Partner with scientists, engineers, and cross-functional stakeholders to translate analytical insights into durable production approaches</li><li>Help ensure ongoing work across domains progresses toward a unified architecture and decisioning strategy</li><li>Contribute directly to implementation and experimentation efforts, including prototyping models, reviewing code, and helping teams operationalize new approaches in production environments.</li></ul><h2>Minimum Qualifications:</h2><ul><li>Advanced degree in a quantitative field such as statistics, mathematics, economics, computer science, operations research, or a related discipline</li><li>8+ years of experience building and deploying machine learning models into production at scale</li><li>Experience with optimization, operations research, or constrained decision-making problems</li><li>Working knowledge of causal inference or causal machine learning</li><li>Strong grounding in statistics and probability</li><li>Experience leading large cross-functional technical initiatives with multiple stakeholders</li><li>Experience working across multiple technical teams to align approaches, define interfaces, and move toward a shared vision</li><li>Experience solving real-world machine learning or data science problems in a high-impact production environment</li></ul><h2>Preferred Qualifications:</h2><ul><li>PhD in operations research, statistics, economics, computer science, or another quantitative field</li><li>Experience with offer optimization, pricing systems, marketplace optimization, or related decisioning systems</li><li>Experience with end-to-end modeling from problem framing through productionization</li><li>Experience in fintech, lending, marketplaces, or other domains where decisions must account for downstream constraints and business tradeoffs</li><li>Experience serving as a principal-level technical lead across multiple teams or product areas</li><li>Experience mentoring other senior scientists or raising the technical bar across an organization</li></ul> 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.Position location This role is available in the following locations: RemoteTime zone requirements The team operates on the East/West coast time zones.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$238,400—$330,200 USDAt 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$220,200—$277,000 CADWhat you'll loveAt Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:<ul><li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly </li><li>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)</li><li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)</li><li>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.</li><li>Health Savings Account contributions from Upstart for eligible plans (US only)</li><li>Income protection benefits, including life insurance and disability coverage for added financial security</li><li>Paid time off, sick leave, and company holidays, in line with local requirements</li><li>Paid family and parental leave to support caregiving and major life moments (duration varies by country)</li><li>Family-centered benefits to support fertility, parenthood, and caregiving needs</li><li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li><li>Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)</li><li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li><li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li><li>Connection and community through team events, all-company updates, and employee resource groups (ERGs)</li><li>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!)</li></ul>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<a href="https://www.upstart.com/candidate_privacy_policy" rel="noopener noreferrer">https://www.upstart.com/candidate_privacy_policy</a>
Departments: Machine Learning

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