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 Get Back On Track (GBOT) team helps borrowers who fall behind on repayment with responsibility and empathy. Our mission is to support Upstart’s growth by helping borrowers return to current status through personalized, effective experiences powered by ML and AI, while building dependable tools that simplify the complexities of debt management for everyone involved.

When borrowers are back on track, all stakeholders benefit. Lenders and investors see stronger performance and greater confidence in Upstart’s ecosystem. Borrowers who meet their obligations can maintain or rebuild their credit, improving long-term access to credit. Most importantly when repayment operates efficiently, Upstart can approve more borrowers at better rates, driving business growth and broader societal impact.

As the Senior Engineering Manager for GBOT, you will lead a team of 10+ engineers, partnering closely with Product, Risk, Operations, and Machine Learning to translate business needs into resilient, scalable technical solutions. This role reports to the Sr Director of Engineering and is focused on driving architectural clarity and building systems that balance speed, reliability, and compliance.

How you’ll make an impact

• Lead, coach, and develop a high-performing engineering team focused on providing high quality solutions and incrementally increase .
• Foster a collaborative and inclusive team culture that promotes innovation, continuous learning, and excellence.
• Oversee the design, development, and implementation of cross functional projects which drive business outcomes.
• Ensure the reliability, performance, and scalability of customer facing products, leveraging best practices in software engineering.
• Collaborate with architecture and infrastructure teams to ensure alignment with broader engineering goals.
• Partner with product manager, product designer, engineering leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards.
• Communicate effectively with stakeholders to keep them informed of project status, risks, and opportunities.
• Manage project timelines and resources to deliver high-quality product solutions on time.
• Implement frameworks to ensure efficient project execution and continuous delivery.

Minimum Qualifications

• Bachelor’s degree in Computer Science, Engineering, or a related field (or its equivalent) and +10 years of experience, including 5 years of direct people management experience.
• Proven success leading and scaling high-performing engineering teams (e.g., growing headcount, improving delivery metrics, or managing multiple squads)
• Experienced in workflow automation, data integrations, and event-driven architectures that power operational efficiency.
• Demonstrated ability to partner closely with Product, and ML teams to deploy models at scale and build scalable production ready systems
• Exceptional communication skills with the ability to influence technical and non-technical audiences
• Strong analytical, organizational, and strategic thinking skills with a bias for action

Preferred Qualifications

• Experience building products in fintech, credit servicing, or customer support environments
• Background in lending, recoveries, or collections systems with complex policy and compliance requirements.
• Experience developing senior engineers, tech leads, or emerging engineering leaders
• Demonstrated ability to balance speed, quality, reliability, and compliance in high-stakes technical environments
• Experience managing critical production issues in regulated environments where customer impact and compliance intersect.

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.`

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