Senior Engineering Manager, Upstart
Borrower Experience
$195.3-270.4k
$182,800—$230,000 CAD + Target bonuses + Equity
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$195.3-270.4k
$182,800—$230,000 CAD + Target bonuses + Equity
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- 10–15 years of software engineering experience, including 4–7 years in engineering management
- Experience leading fullstack engineering teams that build and operate customer-facing products
- Strong technical depth across frontend architecture, backend services, APIs, distributed systems, and system design
- Demonstrated ability to partner with Product and Design to deliver intuitive user experiences and measurable business outcomes
- Proven experience leading teams in regulated domains such as fintech, payments, or lending
- Experience defining and delivering complex technical strategies while balancing product delivery with architectural improvements
- A strong track record of hiring, coaching, and developing high-performing engineers
- Excellent communication and cross-functional collaboration skills, including the ability to explain technical decisions and trade-offs to varied audiences
What the job involves
- Upstart’s Borrower Experience team builds the experiences that help borrowers manage their loans from funding through final repayment
- As part of Servicing, the team owns borrower-facing web and mobile experiences, including the Funded Borrower Dashboard, payment journeys, and Sierra, our servicing AI agent
- Our mission is to make managing a loan simple, transparent, and empathetic—helping borrowers make payments, find support, and stay on track
- Our work directly influences borrower trust, payment success, operational efficiency, and Upstart’s financial performance
- We partner closely with Product, Design, Operations, Analytics, and Compliance to turn complex servicing needs into intuitive products backed by reliable, scalable systems
- As the Senior Engineering Manager, Borrower Experience, you will lead a team of fullstack engineers with ownership across user interfaces, backend services, APIs, and integrations
- Reporting to the Director of Engineering, you will shape technical strategy, develop a high-performing team, and deliver borrower-facing products that balance usability, delivery speed, reliability, and compliance
- You will also help modernize our servicing architecture, creating foundations that make it easier to build and improve borrower experiences
- Lead, coach, and grow a team of fullstack engineers delivering borrower-facing web and mobile experiences
- Own technical execution across the stack, connecting intuitive user interfaces with reliable backend services, APIs, and servicing systems
- Partner with Product and Design to improve the Funded Borrower Dashboard, payment journeys, and AI-powered support experiences
- Define and execute a multi-quarter technical strategy that advances borrower experience and Servicing priorities
- Guide architectural decisions and modernization efforts that improve system reliability, observability, maintainability, and development speed
- Collaborate with cross-functional partners to simplify complex borrower needs and regulatory requirements into clear, accessible product experiences
- Build a culture of ownership, product quality, experimentation, and operational excellence, with clear visibility into priorities, delivery risks, and trade-offs
- The team operates on the East/West coast time zones
Our take
Based in San Mateo, California, Upstart is piositioning itself as a leading AI lending marketplace, connecting millions of consumers with more than 100 banks and credit unions. In a market where credit access can be limited by traditional scoring methods, Upstart aims to make lending fairer and more accessible by using technology to better understand each borrowers true potential.
Upstart builds AI and cloud-based tools that help lenders approve more borrowers at lower rates. Its models analyze thousands of variables (not just credit scores) to predict creditworthiness more accurately. And through its platform, consumers can access personal, auto, and home-equity loans, as well as smaller "relief" loans, all through a seamless digital experience.
So far, its success is reflected in its high loan automation rate (over 90% of loans are fully processed without human intervention) and the billions in loan originations it has facilitated. The company continues to refine its AI models and expand its offerings, and in 2026 earned provisional approval to establish "Upstart Bank" as a bank in the US.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-16% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Apr 2019
$50m
SERIES D
Mar 2017
$32.5m
SERIES D
Total funding: $135.7m
Company benefits
- Comprehensive health plans
- 401k Plan
- Annual wellness reimbursement
- Disability insurance
- Generous vacation policy
- Flexible time off
- Parental leave
- Family forming benefits through Carrot
- Technology equipment budget
- Personal development budget
- Various clubs and extracurricular activities
- Catered lunches
- Fully stocked micro-kitchen
Company HQ
South San Mateo, San Mateo, CA
Leadership
David Girouard
(Founder & Executive Chair)They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.
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