Senior Engineering Manager, Distribution Platform

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 Distribution Platform team is developing innovative solutions and strategies that drive efficient and scalable marketing outreach, empowering us to effectively engage with our users while having a direct impact on Upstart’s mission and growth. The team is responsible for some of our highest‑value distribution channels including digital ads, direct mail, and partner integrations. Our goal is to build an intelligent, unified system that learns, automates, and scales how Upstart engages with our customers on these channels.

As a Senior Engineering Manager at Upstart, you will play a crucial role in shaping how we drive user growth and outreach through intelligent targeting, 3P integrations, and data‑heavy scalable infrastructure. You’ll be responsible for the tech behind some of our largest marketing channels and have a direct impact on the company’s performance. You will work closely with cross‑functional counterparts in Analytics, Marketing, Machine Learning, and Product to create a scalable marketing platform that mobilizes Upstart’s owned channels to drive users to our products efficiently.

How you’ll make an impact

• Define and implement an engineering roadmap that supports intelligent and scalable outreach to customers via our direct mail, digital, and partnerships platform
• Work with cross‑functional partners including Product Managers, Performance Marketing Managers, Analytics, 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 outreach and conversion through continuous testing, iteration, and personalization
• Create a best‑in‑class direct mail and digital infrastructure that scales

Minimum Qualifications

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 8 years of experience, including at least 3 years of direct people management experience.
• Experience leading product‑oriented teams with quantifiable user impact
• Ability to convey complex technical information to a variety of audiences

Preferred Qualifications

• Experience working on systems that integrate with 3rd parties and/or ingest, store, expose large amounts of data
• Professional experience working on either Marketing technology or Growth engineering
• 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 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 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:

• 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 $15,000 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!)

United States | Remote - Anticipated Base Salary Range

$195,300–$270,400 USD

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]