Our mission:

Financial fitness for all

Upstart is a fast-growing lending marketplace expanding access to credit at reasonable rates. Our proprietary algorithm looks beyond credit scores to predict income potential and default rates more accurately than any other financial institution. Since launching in May of 2014, we’ve helped more than 9,000 borrowers with over $130M in loans.

  • Talented colleagues

    Our team is lean and highly effective. We have bold goals that can only be achieved by the best and brightest. See our team

  • Character matters

    In addition to intelligence and drive, we look for people who are humble, curious, and energetic. We want to learn from and be inspired by everyone on our team.

  • Trust and autonomy

    We keep bureaucracy to an absolute minimum because we believe innovation and excellence are fueled by self-direction and initiative.

  • Meaningful perks

    A micro-kitchen, daily catered lunches, unlimited vacation policy, and whatever tools you need to be productive. And of course, highly competitive compensation and benefits.

  • Self improvement

    Our willingness and ability to continually learn and adapt both as a company and as individuals is our greatest asset.

  • Direct contributions

    We’ve created a transparent and inclusive environment so everyone can directly contribute to our culture, strategy, and success.


Open positions

Think you’re the right person for a position at Upstart, or know someone who might be?

Send us a note at join@upstart.com!

Engineering & Product

Full Stack Software Engineer

Are you an engineer with strong technical problem solving skills, excellent communication skills, and a desire to learn and take on responsibility? We're hiring! You will be responsible for working on all aspects of the Upstart platform, from our data prediction model to our backend financial platform, to our web interfaces and 3rd party API integrations. You'll enjoy significant autonomy in architecting systems, writing algorithms, and crafting elegant user interfaces.

Requirements
  • 2+ years of full-stack web development
  • Experience with web frameworks (Ruby on Rails preferred)
  • Experience with JavaScript and JavaScript frameworks (we use Angular)
Frontend Software Engineer

Do you love writing Javascript and engineering elegant user experiences? As a frontend engineer at Upstart, you'll be responsible for crafting the user's experience on our financial platform, making architectural decisions on the frontend, and determining the overall aesthetic of our site.

Requirements
  • 2+ years of frontend or full-stack development
  • Very strong JavaScript skills
  • Experience with frontend JS frameworks like Angular or React
  • Ability to write and maintain clean, modular JS code
  • Good user intuitions and design sensibilities
Backend Software Engineer

Do you love writing algorithms and architecting service-oriented systems? As a backend engineer at Upstart, you will be responsible for owning business-critical processes that must be highly available and scalable. You'll play a major role in designing our ecosystem of interacting applications, making major architecture decisions, and getting your hands dirty by writing APIs. You'll get to dive into our data model and work on algorithms powering our investment and financial platforms.

Requirements
  • 2+ years of backend/systems development, ideally in the context of web applications
  • Experience building reliable, robust, and scalable systems
  • Experience with JavaScript and JavaScript frameworks (we use Angular)
  • Experience building reliable, robust, and scalable systems
Data Engineer

Do you love building infrastructure to move and analyze large volumes of data? Do you want to work for a company whose success depends on its ability to efficiently make sense of data? As a data engineer at Upstart, you'll be responsible for architecting systems to move, store, transform, and analyze large amounts of data, including financial and business data. You'll have an outsized impact on the productivity of the entire engineering and data science team and directly contribute to Upstart's core competitive advantage.

Requirements
  • Experience building large-scale data pipelines and warehousing solutions
  • Experience with technologies like S3, Redshift, and Hadoop
  • Ability to evaluate the scale of data problems and determine the optimal solutions for those problems
Product Manager

Upstart is looking for a product manager to help us become the very best in online financial services. The product manager will work closely with the engineering team to define, organize and evaluate projects that improve the experience of investors and borrowers on the platform.

Responsibilities
  • Deeply understand the needs of our users and our business
  • Understand and track product changes, form hypotheses, and provide recommendations for feature improvements and launches
  • Build consensus between team members on product vision and definition
  • Work with engineering to define features, timeline and quality-control process
Requirements
  • Technical background - ability to think logically, understand code (Ruby preferred), and communicate with engineering
  • Experience defining feature specs, project planning, and organizing launches in either a product management or engineering capacity
  • Strong verbal and written communication skills
Data Scientist

Predictive modeling is central to us at Upstart. Underwriting more accurately and using variables that no other lender considers are what allow us to give people the rates they deserve, which in turn gives our business its biggest competitive advantage. We're looking for someone to join our data team and help change how creditworthiness is assessed. Because our challenges are so new, this person will need to have strong creative problem solving skills, in addition to a background in statistics. Experience with consumer credit is preferred but not required.

Requirements
  • Rigorous quantitative background (graduate-level study preferred)
  • Comfort with programming

Finance

Head of Capital Markets

Upstart is the fastest growing marketplace lender in the world, with more than $100M in originations in our first year and more than $800M in capital to fund our loans. We're looking for the right individual who will lead our efforts to bring capital to our lending platform as we go through explosive growth and development of innovative new credit products in the coming years. The Head of Capital Markets at Upstart will bring a wealth of experience in capital formation as it applies to consumer credit. He or she will have extensive and deep relationships with buy-side and sell-side institutions, a thorough understanding of warehouse lending, and a track record of successful securitization transactions. This individual will also be conversant in the credit rating agency process with a strong understanding of various transaction structures.

Responsibilities
  • Work with Upstart's leadership team to define strategic goals for capitalizing our platform
  • Design and execute a plan to ensure continuous funding of Upstart loans in a reliable and market-competitive manner
  • Identify and acquire new sources of capital
  • Build relationships with high net worth individuals, family offices, foundations, endowments, institutional investors and consultants
  • Manage communications and relationships with existing and potential investors
  • Establish or expand Upstart's relationships with warehouse lenders, rating agencies and securitization agents
  • This position reports to the CEO
Requirements
  • Bachelor's degree, preferably in Finance, Economics, Accounting, or related field
  • Strong preference for MBA/CFA
  • 7+ years of experience structuring and executing fixed income transactions
  • Detailed understanding of the evolving marketplace lending landscape
  • Deep understanding of the credit rating agency process
  • Superb networker with high integrity and herculean work ethic
  • Strong intellect with flawless communication skills, both written and verbal
  • Ability to manage several projects under deadline with minimal direction
  • Very entrepreneurial with strong desire to compete and win

Operations

Operations Lead

Upstart is looking for an experienced operations lead to oversee a team of credit analysts and customer service representatives. This person will oversee weekend shifts that cover a variety of onboarding, payments, and customer service activities to meet growth and quality targets.

Responsibilities
  • Oversee a team of credit analysts and customer service representatives
  • Prioritize work assignments from multiple channels as a resource allocator
  • Directly interact with customers, review applications, and act as an escalations point of contact
  • Produce concise performance reports and analyses for senior management
  • Deep dive on Upstart operational processes, create strategic analyses, and assist management team to drive positive operational improvements
Requirements
  • BA / BS degree from a top tier university in Business/Finance, Engineering or Operations
  • 3+ years in an operational role with increasing management responsibility and ownership to drive customer satisfaction
  • Ability to adapt to and be flexible with constant change and wear multiple hats
  • Passion for delivering a great customer experience at scale
  • Strong communication skills and ability to empathize with customers
  • Able to work Saturdays and Sundays, plus 3 days during the week
  • Impeccable judgment and comfort with ambiguity
  • Strong analytical skills
  • Competitive spirit and ability to lead and motivate teams
Investor Operations Manager

Upstart is looking for an experienced operations manager to build out the complete retail investments strategy and experience. This individual will work in a cross-section between product and operations while working closely with the engineering and growth teams to create key investor features to continue to evolve the investor experience. This individual will build and manage a team of investment analysts that will help onboard and service retail investors.

Responsibilities
  • Create the official retail investor operations strategy including but not limited to knowledge management, customer support, and metrics
  • Build out a team of investment analysts and customer service representatives that ensure that investor requirements are met in a timely manner
  • Develop business requirements and work closely with the product team to implement and integrate new features for investors
  • Create, document, and reinforce investor related procedures and policies
  • Produce concise performance reports and analyses for senior management
Requirements
  • BA / BS degree from a top tier university in Business/Finance, Engineering or Operations
  • 5+ years in a financial and/or operational role with management responsibility and ownership to drive investor satisfaction
  • Competitive spirit and ability to lead and motivate teams
  • Series 7 and Series 66 (or both Series 63 and 65) is required; if not currently held, it must be completed within 120 days from start date
  • Previous financial services and investor experience a plus
Executive Assistant

Upstart is looking for a sharp, proactive, and resourceful executive assistant. This person will play a crucial role in streamlining the company's operations, enabling the executive team to be optimally productive and perpetually prepared to tackle the next obstacle to our success.

Responsibilities
  • Manage, update, and review exec schedules - including the agenda and logistics of ad-hoc or recurring meetings
  • Communicate and coordinate with fellow Upstart employees, board members, and other executive assistants
  • Organize and manage travel arrangements and itineraries to support execs on the road
  • Work with our Office Manager to plan and execute on meetings, dinners, and events
  • Prepare and track invoices and expense as necessary
  • Help our execs build productive relationships inside and outside the company
  • Be the professional, courteous, and unflappable personality that represents Upstart
Requirements
  • Bachelor's degree, with a minimum of 2-4 years experience in executive support
  • Excellent writing, communication, and organizational skills
  • Trustworthy, proactive, and independent
  • Proven judgement and discretion in handling confidential info and important relationships
  • Ability to balance multiple projects and priorities simultaneously
  • Strong skills with Google Apps, Keynote, and other productivity tools
Collections Specialist

Upstart is seeking a Collections Specialist to be responsible for all aspects of loan repayments and collections. This includes, but not limited to, calling, emailing, and writing letters to borrowers who have past due balances to bring these accounts to current status.

Responsibilities
  • Plan, analyze, and collect on past due accounts while maintaining strict adherence to corporate Collections policies and procedures in line with FDCPA and TCPA
  • Verify borrowers' identities through reviewing personal documents
  • Identify and implement process improvement opportunities in the signup process
  • Build trust and cultivate borrower, investor, and colleague relationships
  • Other projects as assigned
Requirements
  • BA / BS degree in Business Administration, Finance, or similar
  • 1-2 years of experience in customer service, loan underwriting or similar
  • Passion for delivering a great customer experience at scale
  • Strong communication skills (written and phone) and ability to empathize with customers
  • Familiarity with financial statements, tax documents and payroll
  • Ability to work early mornings (6am) and weekends
  • Impeccable judgment and comfort with change
  • Strong intuition with identifying fraudulent activity
  • Acute attention to detail
  • Competitive spirit and goal oriented
Credit Analyst

Upstart is looking for a credit analyst to provide an exceptional borrower experience throughout the application process. This person will be responsible for gathering and analyzing educational and financial data to verify the creditworthiness of the borrower. Credit analysts work alongside an intelligent and motivated team and are exposed to all aspects of FinTech operations in a high-growth startup environment.

Responsibilities
  • Work with potential borrowers and review applications to verify elements of each loan application, such as employment, income, identity, and tax documents in a timely and efficient manner
  • Identify and implement process improvements in the borrower application process
  • Build trust and cultivate borrower, investor, and colleague relationships
  • Other projects as assigned
Requirements
  • BA / BS degree in Business Administration, Finance, or similar
  • 1+ years of experience in customer service, loan underwriting, consumer lending, personal banking, or similar
  • Strong analytical and problem solving skills
  • Passion for delivering a great customer experience
  • Impeccable judgment and acute attention to detail
  • Track record of high-performance
  • Familiarity with underwriting loans, financial statements, tax documents and payroll is a plus
Customer Operations Associate (Contract Position)

Upstart strives to deliver an excellent customer experience while helping borrowers achieve their financial fitness goals. As the face of Upstart, Customer Operations Associates guide borrowers through the application process over the phone, chat and email. You work alongside an intelligent and motivated team and are exposed to all aspects of FinTech operations in a high-growth startup environment.

Responsibilities
  • Deliver an outstanding borrower experience by guiding borrowers through the application process through inbound and outbound phone, chat, and email support
  • Identify and implement creative process improvements to continue to reinvent the customer experience for our borrowers
  • Other projects as assigned
Requirements
  • BA / BS degree with a strong academic record
  • 1+ years of experience in customer service, phone support, loan underwriting or similar
  • Passion for delivering a great customer experience
  • Strong communication skills (written and phone) and ability to empathize with others
  • Impeccable judgment and acute attention to detail
  • Track record of high-performance
  • Familiarity with underwriting loans, financial statements, tax documents and payroll is a plus

Growth

Press and Media Relations Manager

We're looking for a very special someone to help spread the word about Upstart and our novel approach to marketplace lending. We're an ex-Google team using fancy math and modern design to create the fastest growing lending platform in the industry. This team member will craft and execute on a press and media relations plan appropriate for the bold and disruptive financial services startup that we are. Beyond traditional PR, we're looking for somebody with the hands-on skills to sharpen and amplify our message about how Upstart is impacting the lives of our borrowers. More than 9,000 loans have been originated on Upstart in less than a year by building "marketplace lending 2.0" - a modern platform designed to deliver financial fitness to all.

Requirements
  • Proven experience driving press and media relations in an emerging tech firm
  • Strong existing relationships with tech/business journalists, bloggers and national media
  • Scrappy and proactive ability to uncover unique stories, angles and channels
  • Ability to communicate financial concepts clearly, both verbally and in writing
Digital Marketing Manager

Upstart is looking for a creative and analytical marketer to join our team and help us rapidly scale our user acquisition efforts as we become one of the largest marketplace lenders.

Responsibilities
  • Launch and manage large-scale display and video advertising campaigns
  • Work closely with our data science team on targeting & measurement
  • Collaborate with our design team on creative and branding
  • Be the first to know about cutting edge ad tech and how it fits into our growth strategy
  • Conduct experiments within a rigorous A/B testing framework
  • Analyze and interpret performance metrics in Google Analytics, MixPanel, etc.
  • Create weekly and monthly performance reports with accompanying analysis and recommendations
Requirements
  • 2-5 years of user acquisition experience (digital advertising, content marketing, performance marketing, growth hacking, analytics, etc.)
  • Expertise with display, video, and/or paid social
  • Comfort with Excel and web analytics tools such as Google Analytics and MixPanel
  • Excellent writing/communication skills
Direct Mail Marketing Manager

Do you think direct mail can be as sexy as digital marketing? Do you want to push the limits of advanced targeting and digital advertising in combination with direct mail? Upstart is looking for a forward-thinking direct mail marketing manager. The right person here will blend direct mail channel experience with some digital savvy and enthusiasm for trying new things.

Responsibilities
  • Be the first manager of our direct mail user acquisition channel
  • Continually refine targeting and response models to improve conversion rates
  • Help design and test new creatives
  • Select and manage external vendor relationships involved in direct mail campaigns
  • Work with the entire team to develop digital strategies to target direct mail recipients
Requirements
  • 2+ years experience with consumer-facing direct mail (experience in personal finance a plus)
  • Ability to combine creative and analytical mindsets for highly effective marketing
  • Excellent writing and verbal communication skills
  • Comfort with Excel and analytics platforms such as Salesforce, Mixpanel, and Google Analytics
Affiliate Marketing Manager

Upstart is looking for a motivated self-starter to manage our growing network of affiliate partners. These partnerships are a key part of our strategy to rapidly scale our user acquisition efforts as we become one of the largest marketplace lenders. The ideal candidate will have experience with affiliate marketing, a solid analytical approach, and great interpersonal skills.

Responsibilities
  • Manage relationships with existing affiliate partners
  • Grow the program by finding and onboarding new partners into the program
  • Optimize performance by working with partners on improved targeting, creative, and messaging
  • Work with product team to improve our user onboarding experience for affiliate partners
  • Create weekly and monthly reports for partners on performance with accompanying analysis and recommendations
Requirements
  • 2+ years managing a user acquisition affiliate program
  • Proven relationship management skills
  • Excellent writing and verbal communication skills
  • Comfort with Excel and analytics platforms such as Salesforce, Mixpanel, and Google Analytics
Communications Designer

Upstart is looking for a communications designer to help us maintain and continue to evolve the company's web presence. This role can be a full-time or a contract position. At Upstart, you will have the exciting opportunity to innovate on design in the financial space.

Responsibilities
  • Work with our product designers to develop a compelling visual and brand identity throughout the design at Upstart
  • Create marketing design for various channels including display ads and email newsletters
  • Create original designs for print materials such as postcards and direct mail
  • Design and code public marketing pages for upstart.com
Requirements
  • 3+ years of industry design experience
  • A portfolio that demonstrates very strong visual design skills
  • Experience with responsive web coding in HTML and CSS
  • An interest in marketing analytics
  • Excellent writing skills

Legal

Legal Counsel

Upstart is looking for a highly motivated, creative lawyer with excellent judgment to join our legal team as its second member. As legal counsel, you will perform a broad range of work across the entire Upstart business, with a focus on commercial matters supporting the business development and growth teams. As a fin-tech company operating in a heavily regulated space, with investors and consumers as our customers, you will be required to consider a wide array of complex and often novel legal issues including consumer protection, securities regulation, privacy and data protection, IP, and tax issues. There will often be issues that have never existed before, and you will have the creativity and confidence to tackle ambiguity and craft innovative legal arrangements, with a critical eye towards risk and a deep appreciation of regulatory issues. Your responsibilities will include contract review, drafting and negotiation; drafting and reviewing consumer and investor disclosures and marketing materials; and special projects, as needed.

Requirements
  • J.D. degree with superior academic credentials and a state bar membership (CA or NY preferred)
  • At least 2 years of experience in a top-tier law firm, government and/or an in-house legal dept
  • Strong communication skills with a demonstrated ability to effectively and proactively provide quick, concise, and practical legal advice that is consistent with any business objectives
  • Excellent judgment with demonstrated decision-making capability while dealing with complex legal, regulatory and business issues involving competing interests
  • A self-starter mentality with the ability to work well under pressure, thrive working under limited direction, and an attitude that no job is too challenging or too small
  • An ability and desire to develop expertise in new or unfamiliar areas of law
  • Familiarity with the marketplace lending and securitization transactions and/or some or all applicable securities law and financial services regulations is a plus