Principal Machine Learning Engineer

🕒 April 1

🇺🇸 United States – Remote

💵 $220.7k - $300k / year

⏰ Full Time

🔴 Lead

🤖 Machine Learning Engineer

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Upstart

WebsiteLinkedInAll Job Openings

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.

📋 Description

• Scale ML innovation by building tools, infrastructure, and workflows that dramatically improve the speed and reliability of model development. • Work backward from modeling needs to design systems that directly unlock gains in accuracy, efficiency, and scientific productivity. • Explore new algorithms and methodologies for our machine learning models and develop tooling to support them. • Improve the entire ML lifecycle—from data readiness and feature development through training, evaluation, serving, and monitoring. • Automate and standardize operational workflows, enabling scientists to focus on high-leverage modeling and analysis rather than manual pipelines. • Define the roadmap for our next generation ML Platform, balancing near-term impact with long-term architectural scalability. • Collaborate cross-functionally with Data Engineering, ML Platform, Pricing, and other teams to build reliable, end-to-end ML systems.

🎯 Requirements

• 7+ years of hands-on experience in applied machine learning, with strong exposure to production-scale modeling efforts. • Demonstrated expertise in end-to-end model development: data prep, feature engineering, training, evaluation, and deployment. • Experience working in high-scale, ML-driven product environments—especially in fintech, pricing, or risk modeling. • Proficiency in Python and core ML frameworks (e.g., PyTorch, TensorFlow, Scikit-learn, XGBoost). • Ability to work autonomously and lead technical direction in ambiguous, high-impact domains. • Experience collaborating with cross-functional teams including ML scientists, engineers, and product partners. • Ability to bridge engineering and science teams, and influence technical strategy across disciplines. • Numerically-savvy and smart with ability to operate at a fast pace • Master’s degree or PhD in a quantitative discipline, or equivalent additional professional experience.

🏖️ Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose • Health Savings Account contributions from Upstart for eligible plans • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage • Paid time off, sick and safe time, and company holidays • Paid family and parental leave to support caregiving and major life moments • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving • 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 • 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 and onsites, all-company updates, and employee resource groups (ERGs) • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).