Senior Software Engineer, Personalization & ML

Upstart is a leading AI lending marketplace aiming to reduce the cost and complexity of borrowing for all Americans. The Senior Software Engineer will redefine servicing decisions using machine learning models, enhance experimentation systems, and scale model-driven decisioning to improve borrower interactions.

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
• Experience with building or scaling ML-powered ranking, personalization, or recommendation systems in production environments
• Applied advanced experimentation methods beyond standard A/B testing
• Demonstrated incorporation of fairness, explainability, or governance considerations into ML-powered decision systems
• Led technical design decisions for distributed systems supporting ML-driven workflows