Senior Engineering Manager, Upstart Bank

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.

Upstart Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale.

As Senior Manager, Software Engineering for Upstart Bank, you will lead one or more engineering teams responsible for a critical area of the bank platform. You will translate product, regulatory, and operational priorities into technical plans and reliable execution across systems spanning areas such as payments, funding, reporting, or integrations. You will partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and senior engineering leaders to deliver scalable, reliable, and audit-ready infrastructure for a modern banking platform.

This is a rare opportunity to help build a modern bank platform from an early foundation rather than inherit a legacy core.

• Lead and grow one or more engineering teams responsible for a critical area of the Upstart Bank platform
• Drive execution across complex, bank-critical systems in areas such as ledgering and funding, deposits and payments, reporting, or integrations
• Partner with Product, Compliance, Legal, Risk, Finance, and Operations to translate business and regulatory needs into technical plans and delivered software
• Contribute to technical direction and architecture for your area, ensuring systems support reliability, resilience, security, traceability, and auditability
• Manage cross-functional dependencies and improve the predictability and quality of delivery across teams
• Build engineering processes that support internal controls, audits, change management, and reliable operation in a regulated environment
• Hire, coach, and develop engineers and emerging engineering leaders
• Foster a culture of rigor, ownership, accountability, and continuous improvement

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience
• 8+ years of engineering experience, including 3+ years of engineering management experience
• Experience leading engineering teams through complex, cross-functional platform or infrastructure initiatives
• Strong technical background with experience contributing to architecture and technical direction for distributed systems, cloud platforms, or business-critical infrastructure
• Experience operating in regulated, high-control, or high-reliability environments where quality, controls, auditability, and change management are critical

• Experience building or integrating core financial infrastructure such as ledgering, payments, deposits, funding systems, reporting, or financial integrations
• Experience in banking, fintech, payments, lending, or other regulated financial systems
• Experience building platforms that support internal controls, audits, and reliable operation in regulated environments
• Experience leading platform modernization, core-system launches, vendor integrations, or major infrastructure transformations
• Experience developing senior engineers, tech leads, or emerging engineering leaders
• Demonstrated ability to balance speed, quality, reliability, and compliance in high-stakes technical environments
• Interest in improving access to credit through technology and scalable financial infrastructure

At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:

• 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!).

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy