Senior Engineering Manager, Servicing

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 3,000 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, 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

Servicing teams play a critical role in supporting our borrowers throughout the life of their loan. They are responsible for helping ensure every borrower has a smooth, transparent, and empathetic experience—from the moment their loan is funded through final repayment.

Servicing also plays an important role in Upstart’s financial performance. By proactively preventing delinquency, managing operational costs, and continuously improving our servicing platform, they help protect both our borrowers and the business. This is where empathy meets execution—and where every interaction is an opportunity to build trust.

As the Senior Engineering Manager at Upstart, you will lead a team of 12+ engineers across two engineering squads, partnering closely with Product, Risk, and Operations to translate business needs into resilient, scalable technical solutions. This role reports to a Senior Director of Engineering and focuses on driving architectural clarity, developing high-performing teams, and building systems that balance speed, reliability, and compliance.

How you’ll make an impact

Lead and develop multiple engineering teams responsible for critical Servicing products.

Define and execute multi-quarter technical and engineering strategies aligned with Servicing and company priorities.

Partner with Product and cross-functional leaders to translate borrower and business needs into scalable technical solutions.

Drive architectural clarity and justified technical decisioning across complex systems.

Build a culture of ownership, execution, collaboration, and operational excellence.

Hire, coach, and develop engineers and emerging engineering leaders

Establish clear visibility into technical priorities, delivery risks, trade-offs, and roadmap execution.

Minimum Qualifications

• 10–15 years of software engineering experience, with 4–7 years in engineering management roles.
• Deep technical expertise in distributed systems, APIs, and systems design.
• Proven experience leading teams in regulated domains such as fintech, payments, or lending.
• Demonstrated ability to define and deliver complex technical strategies that align with business goals.
• Strong track record of building high-performing teams and mentoring engineering leaders.
• Excellent communication and cross-functional collaboration skills.

Preferred Qualifications

• Experience building technology in fintech, lending, payments, servicing, or another regulated environment.
• 7+ years of engineering management experience.
• Experience leading both product and platform-oriented engineering teams.
• Strong product judgment and the ability to connect technical decisions to business outcomes.
• Experience modernizing or evolving complex technical platforms while continuing to deliver customer-facing features.
• Experience partnering closely with Product, Design, Operations, Risk, or other business functions.
• Familiarity with applying AI or automation to customer experiences, internal workflows, or operational systems.
• Position location
• This role is available in the following locations: Remote
• Time zone requirements
• The team operates on the East/West coast time zones.
• Travel requirements
• 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 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.

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).

United States | Remote - Anticipated Base Salary Range

$195,300 — $270,400 USD

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).

Canada | Remote - Anticipated Base Salary Range

$182,800 — $230,000 CAD

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

Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)

Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)

Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.

• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• 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 (US Only)
• 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, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City

For roles based in Canada, please note that we are not currently able to hire in Quebec.

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 candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy