Principal Machine Learning Engineer

About Upstart

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstarts 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; and Austin Texas.

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 wed love to hear from you!

The Team

Upstarts Decisioning org is forming a new high-leverage Applied Machine Learning team to push the boundaries of model accuracy in our underwriting systems. Reporting directly to the Director and org leader youll be the founding member of this team which serves as the applied ML counterpart to our centralized ML Science group. This team is chartered to drive model precision by focusing on feature engineering model tuning embedding optimization and CUDA-accelerated training workflows. Youll be working at the intersection of engineering and data science to drive improvements that have direct business impact on pricing accuracy and borrower conversion.

How Youll Make an Impact

• Serve as the technical lead for applied ML initiatives that improve the accuracy precision and recall of underwriting models.
• Design and implement advanced ML training strategies including AutoML ensemble learning and temporal modeling techniques.
• Drive GPU-accelerated experimentation including CUDA-based training optimization and embedding fine-tuning.
• Build robust data preprocessing and feature engineering pipelines that can be used in both experimentation and production.
• Influence modeling strategy through close collaboration with Pricing Engineering and the ML Science organization.
• Deliver measurable improvements to model-driven business outcomes such as conversion rate rate accuracy and loan performance.
• Mentor future applied ML engineers and help define the long-term roadmap for ML excellence within Pricing.

Minimum Qualifications

Preferred Qualifications

Position location This role is available in the following locations : Remote

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.

What youll love :

#LI-REMOTE

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 locationwith 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

$220700 $300000 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

Experience : Staff IC

Key Skills

Design,Academics,AutoCAD 3D,Cafe,Fabrication,Java

Employment Type : Full Time

Experience : years

Vacancy : 1