Senior Engineering Manager, ASPL

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 ASPL team is on a mission to provide effortless access to compelling auto-secured lending products. We are focused on expanding eligibility, reducing friction throughout the borrower journey, and building the platform capabilities that allow us to bring new secured lending experiences to market. We work closely with product, design, analytics, operations, legal, and compliance partners to deliver customer experiences that are fast, clear, and trustworthy in a regulated environment. As the Senior Engineering Manager for ASPL, you will lead a high-impact engineering team responsible for increasing eligibility, improving conversion, and building new product capabilities that help Upstart serve a larger portion of the population. You will set execution priorities, remove blockers, and develop engineers to ship reliable, observable, and maintainable systems. How you’ll make an impact Lead and develop a team of engineers working across borrower-facing flows, backend services, and platform capabilities that increase eligibility and reduce friction. Partner with cross-functional stakeholders to define roadmaps, shape requirements, and deliver solutions that balance growth, customer experience, and risk. Drive execution on cross-functional initiatives that expand access to auto-secured lending and enable new product capabilities. Improve the speed, quality, and reliability of delivery by setting clear priorities, raising engineering standards, and building healthy execution mechanisms. Use data to identify funnel bottlenecks, evaluate tradeoffs, and guide investments that improve conversion, automation, and operational efficiency. Coach engineers and technical leaders, grow team capability over time, and build an inclusive team culture grounded in ownership and continuous improvement. Minimum Qualifications 8+ years of experience building and operating production software systems, including distributed systems or cloud-based applications. 3+ years of experience managing software engineers. Experience leading cross-functional engineering initiatives from planning through production launch. Experience working on customer-facing products with measurable business outcomes. Experience partnering with product, design, and non-engineering stakeholders to deliver solutions in a fast-moving environment. Preferred Qualifications Experience delivering p ... (truncated, view full listing at source)