Senior Engineering Manager, Upstart Bank

Senior Manager, Software Engineering for Upstart BankAt 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 (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.Upstart Bank is an evolution of Upstart's AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale.As Senior Manager, Software Engineering for Upstart Bank, you will lead one or more engineering teams responsible for a critical area of the bank platform. You will translate product, regulatory, and operational priorities into technical plans and reliable execution across systems spanning areas such as payments, funding, reporting, or integrations. You will partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and senior engineering leaders to deliver scalable, reliable, and audit-ready infrastructure for a modern banking platform.This is a rare opportunity to help build a modern bank platform from an early foundation rather than inherit a legacy core.How you'll make an impactLead and grow one or more engineering teams responsible for a critical area of the Upstart Bank platformDrive execution across complex, bank-critical systems in areas such as ledgering and funding, deposits and payments, reporting, or integrationsPartner with Product, Compliance, Legal, Risk, Finance, and Operations to translate business and regulatory needs into technical plans and delivered softwareContribute to technical direction and architecture for your area, ensuring systems support reliability, resilience, security, traceability, and auditabilityManage cross-functional dependencies and improve the predictability and quality of delivery across teamsBuild engineering processes that support internal controls, audits, change management, and reliable operation in a regulated environmentHire, coach, and develop engineers and emerging engineering leadersFoster a culture of rigor, ownership, accountability, and continuous improvementMinimum QualificationsBachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience8+ years of engineering experience, including 3+ years of engineering management experienceExperience leading engineering teams through complex, cross-functional platform or infrastructure initiativesStrong technical background with experience contributing to architecture and technical direction for distributed systems, cloud platforms, or business-critical infrastructureExperience operating in regulated, high-control, or high-reliability environments where quality, controls, auditability, and change management are criticalPreferred QualificationsExperience building or integrating core financial infrastructure such as ledgering, payments, deposits, funding systems, reporting, or financial integrationsExperience in banking, fintech, payments, lending, or other regulated financial systemsExperience building platforms that support internal controls, audits, and reliable operation in regulated environmentsExperience leading platform modernization, core-system launches, vendor integrations, or major infrastructure transformationsExperience developing senior engineers, tech leads, or emerging engineering leadersDemonstrated ability to balance speed, quality, reliability, and compliance in high-stakes technical environmentsInterest in improving access to credit through technology and scalable financial infrastructurePosition location: This role is available in the following locations: RemoteTravel 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 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—$256,900 USDWhat you'll loveAt 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 quarterlyRetirement 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 securityPaid time off, sick leave, and company holidays, in line with local requirementsPaid family and parental leave to support caregiving and major life moments (duration varies by country)Family-centered benefits to support fertility, parenthood, and caregiving needsEmployee Assistance Program (EAP) offering mental health support and life-centered resourcesFinancial 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 youAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work fromConnection 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 (opening Summer 2026!)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 View email address on click.appcast.io