Senior Engineering Manager, Cash Line

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 Cash Line team is building and scaling Upstart’s first in-house revolving line of credit product. The team is focused on evolving a successful MVP into a scalable, long-term platform that supports Upstart’s broader ecosystem strategy and future consumer lending experiences. As the Senior Engineering Manager, Cash Line at Upstart, you will lead the day-to-day operations of a high-performing engineering team responsible for delivering complex product and platform enhancements. You’ll partner closely with Product, Design, and senior leadership to establish execution systems, improve delivery predictability, and help scale a product that is already demonstrating strong market traction. How you’ll make an impact Lead and develop a team of approximately 10 engineers focused on scaling Upstart’s Cash Line product and platform capabilities Establish execution frameworks, operating rhythms, and prioritization systems that improve delivery quality and predictability across the team Partner closely with Product and Design leaders to execute against a complex roadmap spanning monetization, user retention, credit expansion, and platform scalability Drive cross-functional alignment across engineering, product, design, and leadership stakeholders to deliver high-impact customer experiences Support the team through the transition from MVP to scaled product by balancing structure with team autonomy and ownership Guide technical and organizational decision-making across multiple concurrent roadmap initiatives with competing business and engineering trade-offs Foster an inclusive, collaborative engineering culture focused on growth, accountability, and continuous improvement Help shape the future growth of the Cash Line organization as the business and engineering scope expands over time Minimum Qualifications 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 experience Experience managing and developing software engineering teams responsible for delivering customer-facing products or platforms Experience establishing execution frameworks, operating models, or delivery processes within fast-paced or ambiguous engineering environments Experience partnering cross-functionally with Product and Design teams to deliver complex technical initiatives