Senior Manager, Software Engineering Payments and Experience

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 Servicing Payments and Borrowers Experience team is responsible for delivering a seamless and reliable payment experience for borrowers a critical part of Upstarts financial ecosystem. Our team owns the infrastructure that powers all borrower-facing payments and the internal systems that ensure financial accuracy compliance and system reliability. As we scale our platform to support new products payment types and borrower volumes were investing in leaders who can drive architectural clarity foster high-performing teams and build systems that balance speed reliability and compliance.

As the Senior Engineering Manager - Payments at Upstart you will lead a team of 12 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 Sr Director of Engineering and is focused on driving architectural clarity and building systems that balance speed reliability and compliance

How youll make an impact

• Define and execute the long-term technical strategy for borrower payments and servicing infrastructure.
• Lead multi-quarter cross-functional initiatives that improve borrower outcomes and payment success rates.
• Build and scale engineering teams with a strong culture of ownership execution and operational excellence.
• Deliver platform improvements that enhance reliability reduce latency and increase payment success.
• Connect engineering work directly to business and borrower outcomes enabling measurable improvements in financial performance.
• Create processes and systems that scale with growing borrower volume product complexity and compliance requirements.
• Establish clear technical and delivery visibility across squads ensuring high confidence in roadmap execution.

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 :

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

$180600 $250000 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 : Senior Manager

Key Skills

Data Center Experience,ArcGIS,Cloud Infrastructure,Construction Estimating,Go,Mathcad,React,Redux,AWS,Software Development,Auto Estimating,Distributed Systems

Employment Type : Full Time

Experience : years

Vacancy : 1