Senior Software Engineer, Personalization & ML

Upstart is a leading AI lending marketplace dedicated to reducing the cost and complexity of borrowing for Americans. As a Senior Software Engineer in Personalization & ML, you will enhance servicing decisions through machine learning, improve experimentation platforms, and scale decisioning systems to create personalized borrower experiences.

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