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A leading AI lending marketplace is seeking an Engineering Manager to optimize marketplace strategies and lead high-performing teams. You will leverage your extensive software engineering experience and leadership skills to deliver technical roadmaps, enhance collaboration across departments, and ensure the creation of reliable systems. The role offers competitive compensation, comprehensive benefits, and the ability to work remotely, making it an attractive opportunity for seasoned professionals eager to make a significant impact.
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital‑first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital‑first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026).
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
Upstart’s Marketplace Optimization team is responsible for optimizing market‑level outcomes, balancing tradeoffs for borrowers, capital providers, and Upstart. The team builds the dynamic policy levers, matching and offer‑selection logic, and monetization tooling that clear the marketplace, manage margins, and maximize capital utilization efficiency. Our mandate is to enable automated, data‑driven decisions that improve originations, contribution margin, and capital efficiency while supporting new products and partner integrations.
As the Engineering Manager for Marketplace Optimization, you will lead high‑impact engineering squads that turn marketplace strategy and ML‑backed signals into reliable production systems. You’ll partner closely with Product, Machine Learning, and Capital Markets to deliver scalable capital routing, matching, and monetization automation capabilities that directly affect borrower outcomes and capital performance. You will set execution priorities, remove blockers, and develop engineers to ship production‑grade services that are observable, performant, and safe for a regulated fintech environment.
This role is available in the following locations: Remote
The team operates on the East/West coast time zones.
As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to still spend high quality time in‑person collaborating via regular onsites. The in‑person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2‑4 consecutive days at a time.
United States | Remote - Anticipated Base Salary Range $186,100 — $257,500 USD
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
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