Hybrid Senior Software Engineer, Personalization – ML

at Upstart

• Job title: Senior Software Engineer, Personalization – ML
• Job type: Full Time
• Experience level: Senior
• Salary: $163,600 - $226,400 per year
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, United States

About the role

• Senior Software Engineer embedding machine learning models into operational workflows at Upstart. Driving personalization strategies and improving servicing decisions with data-driven approaches.

Responsibilities

• Improve how Servicing decisions are made by embedding machine learning models into product and operational workflows.
• Enable faster learning and safer iteration by advancing our experimentation platform and improving how we evaluate strategy performance.
• Increase the effectiveness of personalization strategies by designing and running controlled experiments that translate into measurable improvements.
• Scale model-driven decisioning through resilient feature pipelines and real-time data integrations.
• Define clear metrics and guardrails to ensure ML-powered systems remain measurable, explainable, and compliant as they shape more Servicing decisions.

Requirements

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• Experience owning delivery of ML-powered features from design through production deployment and measurement.
• Hands on experience designing or contributing to experimentation systems, including running controlled experiments in live environments.
• Experience building and maintaining data processing systems or pipelines that support model-driven decisioning.

Benefits

• 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!).