
1001 - 5000 employees
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.
🕒 May 14
🇺🇸 United States – Remote
💵 $238.4k - $330.2k / year
⏰ Full Time
🟠 Senior
🤖 Machine Learning Engineer
🦅 H1B Visa Sponsor
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1001 - 5000 employees
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.
• 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. • 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. • 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. • Translate Models to Business Impact: Design and refine decision engines that translate model predictions into accurate, transparent, and customer-friendly lending outcomes.
• 6+ years of experience developing and deploying machine learning models in production with direct business impact. • Proven track record of leading high-impact ML initiatives from research through productionization. • Advanced degree in a quantitative field (e.g., computer science, statistics, economics, operations research, etc). • Strong technical judgment and ability to dive deep into model design, data analysis, and evaluation. • Keen statistical, economic and business intuition, and comfort with reasoning under uncertainty and data limitations. • Knowledge of production ML, ability to adapt to new tech stacks and get in the weeds of work output from the team. • Excited and able to make direct technical contributions when needed. • Exceptional leadership skills with experience developing teams of highly technical ML scientists. • Attract, mentor, and grow a top-tier team of ML scientists passionate about expanding access to credit. • Proven ability to influence and collaborate cross-functionally with Product, Engineering, Capital Markets and other teams. • Strong project management skills with experience scaling processes and operational workflows.
• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • 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) • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) • 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. • Health Savings Account contributions from Upstart for eligible plans (US only) • Income protection benefits, including life insurance and disability coverage for added financial security • Paid time off, sick leave, and company holidays, in line with local requirements • Paid family and parental leave to support caregiving and major life moments (duration varies by country) • Family-centered benefits to support fertility, parenthood, and caregiving needs • 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 (US Only) • 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, all-company updates, and employee resource groups (ERGs) • 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!)
Apply Now🕒 May 14
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