Senior Engineering Manager, Upstart Bank

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 Bank is an evolution of Upstart’s AI lending platform, focused on simplifying the regulatory infrastructure behind our marketplace while expanding access to credit nationwide. By moving from a fragmented, state-based system to a unified federal framework, Upstart Bank enables more consistent borrower experiences, reduces structural costs, and unlocks opportunities to improve pricing, compliance, and access to credit at scale. As Senior Manager, Software Engineering for Upstart Bank, you will lead one or more engineering teams responsible for a critical area of the bank platform. You will translate product, regulatory, and operational priorities into technical plans and reliable execution across systems spanning areas such as payments, funding, reporting, or integrations. You will partner closely with Product, Compliance, Legal, Risk, Finance, Operations, and senior engineering leaders to deliver scalable, reliable, and audit-ready infrastructure for a modern banking platform. This is a rare opportunity to help build a modern bank platform from an early foundation rather than inherit a legacy core. How you’ll make an impact Lead and grow one or more engineering teams responsible for a critical area of the Upstart Bank platform Drive execution across complex, bank-critical systems in areas such as ledgering and funding, deposits and payments, reporting, or integrations Partner with Product, Compliance, Legal, Risk, Finance, and Operations to translate business and regulatory needs into technical plans and delivered software Contribute to technical direction and architecture for your area, ensuring systems support reliability, resilience, security, traceability, and auditability Manage cross-functional dependencies and improve the predictability and quality of delivery across teams Build engineering processes that support internal controls, audits, change management, and reliable operation in a regulated environment Hire, coach, and develop engineers and emerging engineering leaders Foster a culture of rigor, ownership, accountability, and continuous improvement Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience 8+ years of engineering experience, including 3+ years of engineering management experience Experience leading engineering teams through complex, cross-functional p