Principal Software Engineer
•Skimmer· 14h
💻 Engineering⏰ Full-time🎯 Lead / Principal🇺🇸 USA
14h ago
Upstart·about 1 month ago
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 Secured Lending Quality team is responsible for building and operating the first line of defense quality control program across Upstart’s secured lending products, including Home Lending and Auto Lending. The team ensures loans meet high standards for accuracy, compliance, and salability through a multi-layered quality framework spanning origination, servicing, collections, and non-performing loan monitoring. The team operates independently from production management, providing credible challenges to the business while using AI-powered technology to deliver scalable, examination-ready quality assurance.
As the Secured Lending Quality Manager, you will lead quality control execution across the secured product portfolio, including pre-close and post-close reviews, compliance monitoring and testing, servicing and collections quality reviews, non-performing loan reviews, and investor defect analysis. You will serve as a key leader in strengthening Upstart’s quality infrastructure, partner closely with Operations, Compliance, Legal, and Risk, and help scale a modern, data-driven quality program in a fast-moving lending environment. This is an opportunity for an experienced quality leader who is energized by building programs from the ground up and improving how quality is measured, monitored, and operationalized across the secured lending lifecycle.
How you’ll make an impact
Minimum Qualifications
Preferred Qualifications
Position location This role is available in the following locations: Remote
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
#LI-MidSenior
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
For roles based in Canada, please note that we are not currently able to hire in Quebec.
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]