Senior Engineering Manager, Home Lending

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 As a Senior Engineering Manager on the team, you’ll grow Upstart’s newest business: home equity line of credit (HELOC). We’re starting a new consumer-facing team to expand our customer base and improve our borrower experience. You’ll be responsible for hiring and building your own team, with room to grow to multiple teams by 2026. Why home loans? Millions of homeowners are locked into long-term low-interest mortgages and looking for a way to access their equity. By securing a loan against their house, we can lend them fast, affordable credit for remodels, big purchases, or paying off debt. This is a huge category of consumer credit, and it’s where we can make our biggest impact. Why us? The market has left behind millions of Americans with imperfect credit or difficult-to-document income. Serving these customers is our bread and butter, and it’s core to our mission. Because we use machine learning and automation to assess credit-worthiness, we can offer a faster experience at a better price. We want our team to reflect the people we’re serving. To serve customers at the fringes, we need people who think at the fringes—weird, quirky, out-of-the-box do-ers who reason from first principles and not from the status quo. We leave our ego at the door and crave being proven wrong. We're a high-empathy team, and we succeed as a team first, individuals second. How you’ll make an impact: Team leadership Lead, coach, and develop a high-performing engineering team focused on providing high quality solutions and incrementally enhance systems with each pull request. Foster a collaborative and inclusive team culture that promotes innovation, continuous learning, and excellence. Technical leadership Oversee the design, development, and implementation of cross functional projects which drive business outcomes. Ensure the reliability, performance, and scalability of customer facing products, leveraging best practices in software engineering. Collaborate with architecture and infrastructure teams to ensure alignment with broader engineering goals. Stakeholder communication Partner with general manager, product manager, product designer, engineering leaders across Upstart, legal, operations, analytics, and compliance teams to gather requirements and ensure solutions meet business needs and regulatory standards. Communicate effectively with stakeholders to keep them inf ... (truncated, view full listing at source)