Senior Engineering Manager, Borrower Experience

Upstart

9d•$195,300 - $270,400•Remote

About The Position

Upstart’s Borrower Experience team builds web and mobile experiences that help borrowers manage loans from funding through final repayment. The team owns the Funded Borrower Dashboard, payment journeys, and Sierra, a servicing AI agent. Its mission is to make loan management simple, transparent, and empathetic, helping borrowers make payments, find support, and stay on track. The Senior Engineering Manager leads a team of fullstack engineers responsible for user interfaces, backend services, APIs, and integrations. Reporting to the Director of Engineering, this role shapes technical strategy, develops a high-performing team, and delivers borrower-facing products that balance usability, delivery speed, reliability, and compliance. The role also helps modernize servicing architecture and establish foundations for building and improving borrower experiences. It is remote and operates across East and West Coast time zones; periodic team onsites are encouraged.

Requirements

10–15 years of software engineering experience, including 4–7 years in engineering management.
Experience leading fullstack engineering teams that build and operate customer-facing products.
Strong technical depth across frontend architecture, backend services, APIs, distributed systems, and system design.
Demonstrated ability to partner with Product and Design to deliver intuitive user experiences and measurable business outcomes.
Proven experience leading teams in regulated domains such as fintech, payments, or lending.
Experience defining and delivering complex technical strategies while balancing product delivery with architectural improvements.
A strong track record of hiring, coaching, and developing high-performing engineers.
Excellent communication and cross-functional collaboration skills, including explaining technical decisions and trade-offs to varied audiences.

Responsibilities

Lead, coach, and grow a team of fullstack engineers delivering borrower-facing web and mobile experiences.
Own technical execution across the stack, connecting user interfaces with backend services, APIs, and servicing systems.
Partner with Product and Design to improve the Funded Borrower Dashboard, payment journeys, and AI-powered support experiences.
Define and execute a multi-quarter technical strategy that advances borrower experience and Servicing priorities.
Guide architectural decisions and modernization efforts to improve reliability, observability, maintainability, and development speed.
Collaborate with cross-functional partners to translate complex borrower needs and regulatory requirements into clear, accessible product experiences.
Build a culture of ownership, product quality, experimentation, and operational excellence, with visibility into priorities, delivery risks, and trade-offs.
Hire, coach, and develop high-performing engineers.

Benefits

Target bonuses and equity compensation.
Medical, dental, and vision coverage, plus wellness resources.
401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.
Employee Stock Purchase Plan with discounted stock purchase options for eligible U.S. employees.
Health Savings Account contributions for eligible U.S. plans.
Life insurance and disability coverage.
Paid time off, sick leave, and company holidays in line with local requirements.
Paid family and parental leave.
Family-centered benefits supporting fertility, parenthood, and caregiving.
Employee Assistance Program with mental health support and life-centered resources.
Financial wellness resources, including financial planning tools and a financial concierge service for U.S. employees.
Annual wellness allowance.
Annual productivity allowance for tools and resources.
Team events, all-company updates, and employee resource groups.
Catered lunches and stocked micro-kitchens at company offices.