Principal Machine Learning Engineer

November 20

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Upstart

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Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

1001 - 5000 employees

📋 Description

• Serve as the technical lead for applied ML initiatives that improve the accuracy, precision, and recall of underwriting models. • Design and implement advanced ML training strategies, including AutoML, ensemble learning, and temporal modeling techniques. • Drive GPU-accelerated experimentation, including CUDA-based training optimization and embedding fine-tuning. • Build robust data preprocessing and feature engineering pipelines that can be used in both experimentation and production. • Influence modeling strategy through close collaboration with Pricing Engineering and the ML Science organization. • Deliver measurable improvements to model-driven business outcomes such as conversion rate, rate accuracy, and loan performance. • Mentor future applied ML engineers and help define the long-term roadmap for ML excellence within Pricing.

🎯 Requirements

• 8+ years of hands-on experience in applied machine learning, with strong exposure to production-scale modeling efforts. • Proficiency in Python and core ML frameworks (e.g., PyTorch, TensorFlow, Scikit-learn, XGBoost). • Demonstrated expertise in end-to-end model development: data prep, feature engineering, training, evaluation, and deployment. • Practical experience optimizing ML workflows using CUDA/GPU acceleration. • Strong grasp of regression and classification metrics (e.g., precision, recall, R², MPVRMSE) and how to apply them to production models. • Ability to work autonomously and lead technical direction in ambiguous, high-impact domains.

🏖️ Benefits

• Competitive Compensation (base + bonus & equity) • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings • Employee Stock Purchase Plan (ESPP) • Life and disability insurance • Generous holiday, vacation, sick and safety leave • Supportive parental, family care, and military leave programs • Annual wellness, technology & ergonomic reimbursement programs • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering • Catered lunches + snacks & drinks when working in offices