Senior Engineering Manager, Borrower Experience

About Upstart At 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, 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. The Team Upstart’s Borrower Experience team builds the experiences that help borrowers manage their loans from funding through final repayment. As part of Servicing, the team owns borrower-facing web and mobile experiences, including the Funded Borrower Dashboard, payment journeys, and Sierra, our servicing AI agent. Our mission is to make managing a loan simple, transparent, and empathetic—helping borrowers make payments, find support, and stay on track. Our work directly influences borrower trust, payment success, operational efficiency, and Upstart’s financial performance. We partner closely with Product, Design, Operations, Analytics, and Compliance to turn complex servicing needs into intuitive products backed by reliable, scalable systems. As the Senior Engineering Manager, Borrower Experience, you will lead a team of fullstack engineers with ownership across user interfaces, backend services, APIs, and integrations. Reporting to the Director of Engineering, you will shape technical strategy, develop a high-performing team, and deliver borrower-facing products that balance usability, delivery speed, reliability, and compliance. You will also help modernize our servicing architecture, creating foundations that make it easier to build and improve borrower experiences. How you’ll make an impact Lead, coach, and grow a team of fullstack engineers delivering borrower-facing web and mobile experiences. Own technical execution across the stack, connecting intuitive user interfaces with reliable backend services, APIs, and servicing systems. Partner with Product and Design to improve the Funded Borrower Dashboard, payment journeys, and AI-powered support experiences. Define and execute a multi-quarter technical strategy that advances borrower experience and Servicing priorities. Guide architectural decisions and modernization efforts that improve system reliability, observability, maintainability, and development speed. Collaborate with cross-functional partners to simplify complex borrower needs and regulatory requirements into clear, accessible product experiences. Build a culture of ownership, product quality, experimentation, and operational excellence, with clear visibility into priorities, delivery risks, and trade-offs. Minimum Qualifications 10–15 years of software engineering experience, including 4–7 years in engineering management. Experience leading fullstack engineering teams that build and operate customer-facing products. Strong technical depth across frontend architecture, backend services, APIs, distributed systems, and system design. Demonstrated ability to partner with Product and Design to deliver intuitive user experiences and measurable business outcomes. Proven experience leading teams in regulated domains such as fintech, payments, or lending. Experience defining and delivering complex technical strategies while balancing product delivery with architectural improvements. A strong track record of hiring, coaching, and developing high-performing engineers. Excellent communication and cross-functional collaboration skills, including the ability to explain technical decisions and trade-offs to varied audiences. Position location This role is available in the following locations: Remote 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 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 — $270,400 USD 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). Canada | Remote - Anticipated Base Salary Range $182,800 — $230,000 CAD What you'll love At Upstart, our benefits for full-time employees 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 quarterly Retirement 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 security Paid time off, sick leave, and company holidays, in line with local requirements Paid family and parental leave to support