Job Description
About Upstart
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 1800 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.
The Team
Upstart’s new Applied LLM team is building foundational infrastructure that democratizes access to generative AI for every product and engineering team across the company. This is a cross-functional team at the intersection of machine learning product and engineering. Our mission is to bring the power of ML - particularly large language models (LLMs) and generative AI - to life in Upstart’s core products.
As a Senior Software Engineer focused on building LLM applications you'll work closely with researchers product managers platform engineers and designers to ship intelligent features that elevate the user experience and expand the capabilities of our systems.
How you’ll make an impact:
- Design and build user-facing ML features that harness LLMs and generative AI to unlock new product capabilities
- Partner with product design and ML research to prototype and deliver high-impact ML-powered experiences
- Own the technical architecture and implementation strategy for applied ML systems - balancing latency observability and iteration speed
- Build scalable services and APIs that bring model outputs to users in trustworthy and intuitive ways
- Collaborate across platform infra and legal/compliance teams to ensure ML deployments meet standards for safety fairness and performance
- Establish and evangelize best practices for prompt design model evaluation and experimentation across the org
What we’re looking for:
- Minimum qualifications:
- 4+ years of software engineering experience with 2+ years working directly on ML-driven products or intelligent systems
- Proven ability to lead complex initiatives across engineering product and research stakeholders
- Strong backend development skills (e.g. Python with FastAPI or Flask) plus experience with cloud-native tooling (e.g. Kubernetes Docker Terraform)
- Experience integrating LLMs or ML models into production systems including APIs and user-facing applications
- Excellent communication skills and a collaborative product-minded approach
- Ability to think rigorously about system design latency tradeoffs and user impact when working with ML features
- Preferred qualifications:
- Experience shipping GenAI or LLM-powered features using frameworks like LangChain LlamaIndex or OpenAI APIs
- Familiarity with retrieval-augmented generation (RAG) vector search (e.g. FAISS Pinecone) and real-time inference patterns
- Proficiency in full-stack development including front-end work with React or similar frameworks
- Strong intuition for prompt engineering model testing and evaluation methodologies
- Experience navigating complex requirements around explainability user trust or compliance in ML applications
- Track record of influencing architecture or product direction at a team or org level
Position Location - This role is available in the following locations: US Remote and Canada Remote
Time Zone Requirements - This team operates on the East/West Coast time zones.
Travel Requirements - This team has regular on-site collaboration sessions. These occur 3-4 days per quarter at one of our offices. If you need to travel to make these meetups Upstart will cover all travel related expenses.
#LI-REMOTE
#LI-MidSenior
At Upstart your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills experience and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition Upstart provides employees with target bonuses equity compensation and generous benefits packages (including medical dental vision and 401k).
At Upstart your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills experience and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition Upstart provides employees with target bonuses equity compensation and generous benefits packages (including medical dental vision and 401k).
What you'll love
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 $15000 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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Top Skills
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI lenders can approve more borrowers at lower rates across races ages and genders while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload. Founded in 2012 Upstart’s platform includes personal loans automotive retail and refinance loans home equity lines of credit and small-dollar “relief” loans. If you are energized by the impact you think you could make at Upstart we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced and we encourage ownership at all levels of the organization. As a result culture at Upstart is driven by Upstarters. Upstarters are proactive talented multi-dimensional and collaborative.
Gallery
Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo California; Columbus Ohio; Austin Texas; and New York City NY.
Similar Jobs
Upstart
Principal Product Manager
Upstart
Senior Engineering Manager
Upstart
Senior Engineering Manager
Upstart
Director Software Engineering Mobile Platform
Explore More
Date Posted
04/19/2026
Views
0