Upstart Inc.-posted about 1 month ago
Full-time • Senior
Remote • San Mateo, CA
1,001-5,000 employees
Credit Intermediation and Related Activities

Upstart's Servicing Payments and Borrowers Experience team is responsible for delivering a seamless and reliable payment experience for borrowers, a critical part of Upstart's financial ecosystem. Our team owns the infrastructure that powers all borrower-facing payments and the internal systems that ensure financial accuracy, compliance, and system reliability. As we scale our platform to support new products, payment types, and borrower volumes, we're investing in leaders who can drive architectural clarity, foster high-performing teams, and build systems that balance speed, reliability, and compliance. As the Senior Engineering Manager - Payments at Upstart, you will lead a team of 12+ across two engineering squads, partnering closely with Product, Risk, and Operations to translate business needs into resilient, scalable technical solutions. This role reports to a Sr Director of Engineering and is focused on driving architectural clarity and building systems that balance speed, reliability, and compliance

  • Define and execute the long-term technical strategy for borrower payments and servicing infrastructure.
  • Lead multi-quarter, cross-functional initiatives that improve borrower outcomes and payment success rates.
  • Build and scale engineering teams with a strong culture of ownership, execution, and operational excellence.
  • Deliver platform improvements that enhance reliability, reduce latency, and increase payment success.
  • Connect engineering work directly to business and borrower outcomes, enabling measurable improvements in financial performance.
  • Create processes and systems that scale with growing borrower volume, product complexity, and compliance requirements.
  • Establish clear technical and delivery visibility across squads, ensuring high confidence in roadmap execution.
  • 10-15 years of software engineering experience, with 4-7 years in engineering management roles.
  • Deep technical expertise in distributed systems, APIs, and systems design.
  • Proven experience leading teams in regulated domains such as fintech, payments, or lending.
  • Demonstrated ability to define and deliver complex technical strategies that align with business goals.
  • Strong track record of building high-performing teams and mentoring engineering leaders.
  • Excellent communication and cross-functional collaboration skills.
  • Experience integrating with external payment networks and building highly reliable payment systems.
  • Familiarity with data consistency models, reconciliation workflows, and transaction observability.
  • Systems thinker with a bias for action-capable of moving quickly while maintaining compliance and quality.
  • Experience working in consumer-facing domains with a strong empathy for user experience.
  • Proven ability to lead platform migration or modernization efforts while minimizing risk.
  • Competitive Compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
  • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices
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