Senior Engineering Manager, Marketplace

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 1,800 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 (opening Summer 2026), 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 Marketplace Optimization team is responsible for optimizing market-level outcomes, balancing tradeoffs for borrowers, capital providers, and Upstart. The team builds the dynamic policy levers, matching and offer-selection logic, and monetization tooling that clear the marketplace, manage margins, and maximize capital utilization efficiency. Our mandate is to enable automated, data-driven decisions that improve originations, contribution margin, and capital efficiency while supporting new products and partner integrations. As the Senior Engineering Manager on the team for Marketplace Optimization, you will lead high-impact engineering squads that turn marketplace strategy and ML-backed signals into reliable production systems. You’ll partner closely with Product, Machine Learning, and Capital Markets to deliver scalable capital routing, matching, and monetization automation capabilities that directly affect borrower outcomes and capital performance. You will set execution priorities, remove blockers, and develop engineers to ship production-grade services that are observable, performant, and safe for a regulated fintech environment. How you’ll make an impact: Define and execute the team’s technical roadmap : deliver matching, offer-selection, monetization, and target-return logic and features that improve marketplace outcomes Build and grow a high-performing engineering team : hire, mentor, and develop engineers and ICs; establish clear expectations and career growth paths Drive technical excellence : own architecture and delivery decisions for scalable, fault-tolerant services, data pipelines, and APIs that integrate with ML models and capital systems Collaborate cross-functionally with Product, ML, Capital Markets, and Risk to translate business goals into prioritized, measurable engineering work Own operational reliability and observability : establish SLOs/SLIs, alerting, runbooks, and post-incident practices to ensure marketplace integrity and fast incident response Lead delivery and execution : unblock teams, manage technical and organizational risks, and ensure high-quality, timely releases while balancing speed and safety What we’re looking for: Minimum requirements: Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience, including at least 3 years of direct people management e