Senior Engineering Manager, Offer Delivery

San Mateo, CA - USA

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

About Upstart

At Upstart were 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 thats both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1800 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.

Were 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 doesnt mean distant. Were 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) youll have the support to work in the way that works best for you.

If youre energized by tackling meaningful problems excited to innovate with purpose and motivated by work that truly matters wed love to hear from you.

The Team:

Upstarts Offer Delivery (PLG) Team is focused on driving growth by deepening relationships with our existing users. Our vision is to create an always-available credit experience that continuously guarantees access to Upstarts credit products for all users. Make credit access instant predictable and effortless through intelligent offer generation and merchandising that will engage our users with relevant timely offers that enhance their financial journey.

As a Senior Engineering Manager at Upstart you will play a crucial role in shaping how we drive user growth and engagement through intelligent targeting strategic product recommendations and best-in-class offer generation infrastructure that scales. Youll be responsible for generating personalized offer experiences enhancing out-of-funnel cross-sell strategies advancing our offer orchestration infra optimizing cost and closely working with our ML team to produce better outcomes for our users . Your work will directly contribute to growing our existing and newer products increasing customer lifetime value and helping more users access the right financial products at the right time.

How youll make an impact

Define and implement an engineering roadmap that supports intelligent and personalized offer and product recommendations to our user base
Work with cross functional partners including Product Managers Product Marketing Managers and Research Scientists to make this a highly impactful program
Lead coach and develop a high-performing engineering team directly focused on providing high quality solutions and incrementally enhance systems with each pull request.
Leverage experimentation and data-driven insights to refine growth strategies optimizing user engagement and conversion through continuous testing iteration and personalization.
Create a best-in-class offer generation infrastructure that scales with our user base and all Upstart products.

Minimum Qualifications

Bachelors degree in Computer Science Engineering or a related field
8 years of experience in software development with a minimum of 3 years managing a team directly
Experience leading product oriented teams with quantifiable user impact
Ability to convey complex technical information to a variety of audiences

Preferred Qualifications

Experience with growth engineering product stacks (Optimizations Experimentation Personalization Recommendation Systems etc)
Experience working on a product with marketplace dynamics
Proven track record of leading and growing engineering teams
Success in driving initiatives spanning multiple teams across organizations
Skilled in scaling systems in both a technical and organizational capacity

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.

What youll love:

Competitive Compensation (base bonus & equity)
Comprehensive medical dental and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
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

#LI-REMOTE

#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 locationwith 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).

United States Remote - Anticipated Base Salary Range

$195300$270400 USD

What youll love

At Upstart our benefits are designed to support your health financial well-being family and personal growth. Heres what you can expect:

Competitive compensation including base pay bonus opportunities and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $15000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical dental and vision coverage with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits including company-paid Basic Life AD&D and Short- and Long-Term Disability coverage with options to purchase supplemental coverage
Paid time off sick and safe time and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo supporting fertility parenthood and caregiving
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources including access to financial planning tools and a financial concierge service
Annual wellness allowance to support your physical and emotional well-being and personal development based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work no matter where you work from
Connection and community through team events and onsites all-company updates and employee resource groups (ERGs)
Onsite perks including catered lunches and fully stocked micro-kitchens when working from one of our four offices located in the Bay Area Austin Columbus and New York City (opening Summer 2026!).

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

Experience:

Manager

About UpstartAt Upstart were 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.A...