Senior Software Engineer, Personalization & ML
As a Senior Software Engineer in the Servicing Engineering team at Upstart, you will play a pivotal role in developing intelligent systems that personalize borrower experiences through machine learning. Upstart is dedicated to transforming the lending industry by reducing the cost and complexity of borrowing for Americans, leveraging advanced AI to enhance access to credit. This position offers the opportunity to contribute to a mission-driven company that partners with banks and credit unions to provide affordable credit solutions.
In this role, you will be responsible for integrating machine learning models into product and operational workflows to improve servicing decisions. Your day-to-day activities will include advancing the experimentation platform to facilitate faster learning and safer iteration, designing and conducting controlled experiments to enhance personalization strategies, and scaling model-driven decision-making through resilient feature pipelines and real-time data integrations. Additionally, you will define clear metrics and guardrails to ensure that machine learning-powered systems remain measurable, explainable, and compliant.
The ideal candidate will possess a bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, along with at least four years of experience. Essential qualifications include a proven track record of delivering machine learning-powered features from design through production deployment and measurement, hands-on experience with designing or contributing to experimentation systems, and experience in building and maintaining data processing systems or pipelines that support model-driven decision-making. Preferred qualifications encompass experience with building or scaling machine learning-powered ranking, personalization, or recommendation systems in production environments, applied advanced experimentation methods beyond standard A/B testing, and demonstrated incorporation of fairness, explainability, or governance considerations into machine learning-powered decision systems.
Upstart offers a competitive compensation package, including a base salary ranging from $163,600 to $226,400, along with bonus opportunities and annual equity grants that vest quarterly. Employees benefit from a generous 401(k) plan with matching contributions, affordable medical, dental, and vision coverage, paid time off, and paid family and parental leave. Additional perks include an Employee Stock Purchase Plan (ESPP), health savings account contributions, income protection benefits, and annual wellness and productivity allowances to support personal development and well-being.
Upstart fosters a digital-first work environment, providing employees with the flexibility to work from locations where they thrive, alongside teammates across over 80 cities in the US and Canada. The company emphasizes intentional in-person connections through team onsites, planning sessions, and moments that spark creativity and trust. This role requires working from the San Mateo, CA, or Columbus, OH headquarters one week per quarter, ensuring a balance between remote work and collaborative in-person interactions.