Who we are

We’re on a mission to re-invent online lending. Our proprietary algorithm predicts income potential and default rates more accurately than any financial institution in the world. And our lending platform is helping thousands of people on their way to a better financial future.

Team

Why join Upstart?

What’s not to like about a team of ex-Googlers disrupting the $3.2 trillion consumer credit industry? At Upstart, employee happiness and personal development drive our success. Every day we strive to be the best version of ourselves.

  • Talented colleagues

    Our team is lean and highly effective. Our interview process selects for exceptional ability, and we only hire the best.

  • Character matters

    Every person at Upstart is someone with whom we genuinely enjoy spending time. Team meals and outings are always on the calendar.

  • Trust and autonomy

    We keep bureaucracy to an absolute minimum. No one is counting your vacation days, and we expect self-direction and initiative from everybody.

  • Basic comforts

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

  • Top-tier support

    We’re backed by an elite group of investors and advisors and have been written about in countless publications.

  • Input matters

    Every team member will shape the company we want to become. Transparency and inclusion are core values at Upstart.

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)
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

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
  • Familiarity with SOA concepts and implementation
  • Understanding of good API design
  • Comfortable writing math/finance-related code
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

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
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

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
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Product Manager - Analytics

Data is core to everything we do at Upstart. Key decisions in every area of the business - which features to build or kill, which audiences or channels to pursue, which areas of the business need the attention and resources of our team - are driven by analytics. This person will own the infrastructure and process of our business analysis and provide key insights and recommendations to the entire team.

Responsibilities:
  • Deeply understand the numbers behind the business and use them to inform the company's focus and strategy
  • Understand and track product changes, form hypotheses, and provide recommendations for feature improvements and launches
  • Decide on and oversee analytics tools and infrastructure - Google Analytics, Mixpanel, Heap, Optimizely, and Salesforce, among others
  • Work with the engineering team to ensure that we're tracking the right things - for the present and for the future
  • Perform custom data queries and analysis to answer hard questions
Requirements:
  • Strong aptitude for and interest in quantitative analysis
  • Comfort with excel and programming (SQL or Ruby preferred)
  • Experienced with analytical tools for web such as Google Analytics
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Technical Recruiting Manager

Upstart is looking for a talent expert to grow our team of A+ players and run a highly efficient recruiting pipeline. This person will source and recruit new hires in the areas of engineering and data science.

Requirements:
  • 2+ years of technical recruiting experience
  • Conceptual understanding of programming, web development, and data science
  • Ability to effectively build a pipeline through online sourcing, third-party agencies, events, on-campus recruiting, and Upstart’s network
  • Strong persuasive skills and ability to communicate Upstart’s mission in a way that translates to excellent conversion rates throughout the recruiting funnel
  • Good intuitions about how to quickly and accurately assess intelligence, culture fit, technical skill, etc.
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Digital Marketing Analyst

We're looking for a skilled digital marketer to join our team and play a major role in our user acquisition efforts. This person would run our paid social and/or search advertising campaigns, including creative strategy, audience and keyword expansion, bid/budget optimization, copywriting, performance analysis, and reporting.

Responsibilities:
  • Form and execute creative strategies for scaling and optimizing multi-million dollar advertising campaigns
  • Conduct experiments within a rigorous A/B testing framework
  • Identify opportunities for new audiences and keywords based on audience insights and performance data
  • Deeply understand Upstart's target market and form creative strategies to reach our target audience with relevant messages
  • Analyze and interpret performance metrics in Google Analytics, MixPanel, etc.
  • Stay up-to-date with the the most recent tools in paid digital advertising
  • Create weekly and monthly performance reports with accompanying analysis and recommendations
Requirements:
  • 1-2 years experience running Facebook advertising campaigns at scale
  • Google AdWords experience preferred but not required
  • Ability to combine creative and analytical skills for highly effective marketing
  • Comfort with Excel and web analytics tools such as Google Analytics and MixPanel
  • Excellent writing/communication skills
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Compliance Manager

Upstart is seeking a talented and motivated candidate to be the Compliance Manager of our comprehensive regulatory compliance program.

Responsibilities:
  • Maintain, review, and operationalize compliance programs to adequately address the needs of a consumer credit business
  • Build and maintain compliance databases relevant to Upstart's business
  • Manage Upstart's state licenses and related regulatory reporting
  • Manage third party/regulatory compliance audits
  • Develop effective training programs, including appropriate introductory training for new employees, as well as ongoing training for all employees and managers
  • Perform ongoing product reviews and maintain a deep and up-to-date knowledge of Upstart's current and future product offerings
  • Regularly report to senior management on compliance issues, recommendations, and progress
  • Maintain awareness and knowledge of compliance-related developments and issues facing Upstart
Requirements:
  • At least 5 years experience in the financial services industry with proven compliance, audit, regulatory, and/or legal experience
  • At a minimum - a bachelor's degree in business or related field with a master's, or law degree preferred
  • Expertise in operationalizing a compliance program, including testing and risk assessments, employee training, customer complaint management, and regulatory outreach
  • Knowledge of some or all applicable FCRA, TILA, FDCPA, EFTA, BSA/AML, OFAC, GLBA, and related state laws and regulations strongly preferred
  • Excellent communications, analytical, organizational, project management, and interpersonal skills
  • Demonstrated decision-making capability while dealing with complex issues involving competing interests
  • A self-starter mentality with the ability to work well under pressure, thrive working under limited direction, and a strong sense of personal accountability and ownership
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

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
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Credit Analyst (Contract Position)

Upstart is looking for credit analysts to provide a great experience to our borrowers and guide them through the application process. This person will be responsible for gathering and analyzing educational and financial data about borrowers to verify the creditworthiness of the borrower.

Responsibilities:
  • Guide borrowers through the application process over phone, chat, email
  • 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
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

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
  • Communicate frequently and negotiate effectively with past due accounts to find payment solutions that bring them current as quickly as possible
  • Perform investigations to locate alternative means of contacting non-responsive or unreachable accounts
  • Meet or exceed key performance indicators measuring productivity, quality, and service level as defined by management
Requirements:
  • 3+ years of experience in consumer collections and accounts receivable, demonstrating strong organization and negotiation skills
  • Demonstrate ability to follow instructions and protocols, and exercise excellent judgement when dealing with unfamiliar customer situations
  • Able to maintain composure when dealing with difficult situations and/or abusive customers
  • Demonstrate strong verbal / writing skills and ability to present information in a clear manner
  • Highly organized, detail oriented and self-motivated
  • Possess strong problem solving skills, “detective” mindset, and curious nature
  • Familiarity of FDCPA / TCPA / FCRA regulations
  • Bachelors degree or equivalent work experience
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

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. We’ve originated more than 4,000 loans 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
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

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
Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!