Senior Software Engineer, Machine Learning & Simulations Platform

About Upstart

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, wed love to hear from you!

The Team

The Machine Learning & Simulations Platform (MLSP) team builds and operates the core infrastructure that powers ML model training, inference, and marketplace simulation at Upstart. Our platform is foundational to the companys successevery underwriting, fraud, conversion, and verification model runs here. We also provide the simulation capabilities that help teams experiment safely and assess business impact without requiring costly live experimentation.

We are on a mission to reimagine our infrastructure to support the growing complexity of our ML models, the demand for low?latency inference, and the accuracy needed to simulate the dynamics of our borrower?lender marketplace at scale. The team partners closely with Engineering, ML, Product, and Finance to accelerate innovation while safeguarding performance and integrity.

As a Senior Software Engineer on the MLSP team at Upstart, you will be responsible for building an MLOps platform to support machine learning model inference, process automation, model deployment, and observability. Machine Learning is critical to Upstarts core business, and our greatest competitive advantage lies in the fact that were able to innovate on our AI engine quickly. You will also help build a marketplace simulation platform to support rapid innovation across ML and Finance teams.

How youll make an impact

• Build, maintain, and optimize Upstarts next?generation machine learning and simulation platform, enabling increased scale, performance, and confidence in decisioning
• Develop high?quality software applications that enable machine learning models to be applied to the ever?evolving needs of the business
• Enable the modernization of our serving infrastructure, reducing inference latency to just a few seconds for our most complex models
• Design and contribute to our simulation systems to more accurately reflect production environments, reducing simulation cost and enabling broader usage across teams
• Communicate closely with cross?functional partners from ML, Engineering, Product, and Data Engineering teams, keeping all stakeholders informed
• Mentor engineers across the team, sharing expertise on distributed systems, MLOps, and scalable architecture

Minimum Qualifications

Preferred Qualifications

Position location

This role is available in the following location : Remote?US

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 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

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Upstarts anticipated base salary for this position is expected to be within the range : $163,600 $226,400 USD. Your actual base pay will depend on your geographic location and relevant experience. You can expect comprehensive benefits packages in addition to bonuses and equity.

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.

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