Upstart · 5 hours ago
Senior Manager, Software Engineering - Payments and Experience
United States
Full-time
Remote
Senior Level, Lead/Staff, Director/Executive
$181K/yr - $250K/yr
10+ years expUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As the Senior Engineering Manager - Payments, you will lead a team responsible for delivering a seamless payment experience for borrowers, focusing on driving architectural clarity and building systems that balance speed, reliability, and compliance.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
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
Qualification
Required
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
Preferred
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
Benefits
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
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
2025-12-17
The Motley Fool
2025-12-12
The Motley Fool
2025-12-05
Company data provided by crunchbase