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 Applied LLM team is building foundational infrastructure that democratizes access to generative AI for every product and engineering team across the company. This is a cross-functional team at the intersection of machine learning, product, and engineering. Our mission is to bring the power of ML, particularly large language models (LLMs) and generative AI, to life in Upstart’s core products.

As a Senior Applied Machine Learning Engineer focused on building Upstart's LLM applications, you'll work closely with researchers, product managers, platform engineers, and designers to ship intelligent features that elevate the user experience and expand the capabilities of our systems.

How you’ll make an impact:

• Design and build user-facing ML features that harness LLMs and generative AI to unlock new product capabilities
• Partner with product, design, and ML research to prototype and deliver high-impact, ML-powered experiences
• Own the technical architecture and implementation strategy for applied ML systems - balancing latency, observability, and iteration speed
• Build scalable services and APIs that bring model outputs to users in trustworthy and intuitive ways
• Collaborate across platform, infra, and legal/compliance teams to ensure ML deployments meet standards for safety, fairness, and performance
• Establish and evangelize best practices for prompt design, model evaluation, and experimentation across the org

What we’re looking for:

• Minimum qualifications:
• 4+ years of software engineering experience, with 2+ years working directly on ML-driven products or intelligent systems
• Proven ability to lead complex initiatives across engineering, product, and research stakeholders
• Strong backend development skills (e.g., Python with FastAPI or Flask), plus experience with cloud-native tooling (e.g., Kubernetes, Docker, Terraform)
• Experience integrating LLMs or ML models into production systems, including APIs and user-facing applications
• Excellent communication skills and a collaborative, product-minded approach
• Ability to think rigorously about system design, latency tradeoffs, and user impact when working with ML features
  
  
• Preferred qualifications:
• Experience shipping GenAI or LLM-powered features using frameworks like LangChain, LlamaIndex, or OpenAI APIs
• Familiarity with retrieval-augmented generation (RAG), vector search (e.g., FAISS, Pinecone), and real-time inference patterns
• Proficiency in full-stack development, including front-end work with React or similar frameworks
• Strong intuition for prompt engineering, model testing, and evaluation methodologies
• Experience navigating complex requirements around explainability, user trust, or compliance in ML applications
• Track record of influencing architecture or product direction at a team or org level

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.

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