Upstart

Senior Applied ML Engineer

Upstart$167K — $231K *
US-AnywhereRemote in United States
Information Technology
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • 4+ years software engineering experience, including 2+ years on ML-driven products
  • Proven track record of leading initiatives across cross-functional teams
  • Strong backend skills, notably in Python with frameworks like FastAPI or Flask
  • Experience integrating ML models into production systems and APIs
  • Effective communicator with a collaborative and product-focused mindset
  • Rigorous thinker regarding system design and ML feature implications

Responsibilities

  • Design and build user-facing ML features using LLMs and generative AI
  • Collaborate with product, design, and ML research to deliver impactful experiences
  • Own technical architecture and implementation strategies for applied ML systems
  • Develop scalable services and APIs that present model outputs effectively
  • Work with legal and compliance teams for secure ML deployments
  • Establish best practices for prompt design and model evaluation

Benefits

  • Competitive compensation with bonuses and quarterly equity grants
  • 401(k) with company match to help secure your financial future
  • Employee Stock Purchase Plan available for eligible employees
  • Comprehensive health coverage including medical, dental, and vision
  • Generous paid time off and family leave policies
  • Mental health support through an Employee Assistance Program (EAP)
  • Wellness allowances for personal development and health initiatives
Full Job Description
The Team

Upstart's Applied LLM team is building foundational infrastructure that democratizes access to generative AI for every product and engineering team across the company. This is a cross-functional team at the intersection of machine learning, product, and engineering. Our mission is to bring the power of ML, particularly large language models (LLMs) and generative AI, to life in Upstart's core products.

As a Senior Applied Machine Learning Engineer focused on building Upstart's LLM applications, you'll work closely with researchers, product managers, platform engineers, and designers to ship intelligent features that elevate the user experience and expand the capabilities of our systems.

How you'll make an impact:
  • Design and build user-facing ML features that harness LLMs and generative AI to unlock new product capabilities
  • Partner with product, design, and ML research to prototype and deliver high-impact, ML-powered experiences
  • Own the technical architecture and implementation strategy for applied ML systems - balancing latency, observability, and iteration speed
  • Build scalable services and APIs that bring model outputs to users in trustworthy and intuitive ways
  • Collaborate across platform, infra, and legal/compliance teams to ensure ML deployments meet standards for safety, fairness, and performance
  • Establish and evangelize best practices for prompt design, model evaluation, and experimentation across the org

What we're looking for:
  • Minimum qualifications:
    • 4+ years of software engineering experience, with 2+ years working directly on ML-driven products or intelligent systems
    • Proven ability to lead complex initiatives across engineering, product, and research stakeholders
    • Strong backend development skills (e.g., Python with FastAPI or Flask), plus experience with cloud-native tooling (e.g., Kubernetes, Docker, Terraform)
    • Experience integrating LLMs or ML models into production systems, including APIs and user-facing applications
    • Excellent communication skills and a collaborative, product-minded approach
    • Ability to think rigorously about system design, latency tradeoffs, and user impact when working with ML features
  • Preferred qualifications:
    • Experience shipping GenAI or LLM-powered features using frameworks like LangChain, LlamaIndex, or OpenAI APIs
    • Familiarity with retrieval-augmented generation (RAG), vector search (e.g., FAISS, Pinecone), and real-time inference patterns
    • Proficiency in full-stack development, including front-end work with React or similar frameworks
    • Strong intuition for prompt engineering, model testing, and evaluation methodologies
    • Experience navigating complex requirements around explainability, user trust, or compliance in ML applications
    • Track record of influencing architecture or product direction at a team or org level

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 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.

#LI-REMOTE

#LI-Associate

#LI-MidSenior

At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location-with our "digital first" philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range

$167,700-$231,800 USD

At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location-with our "digital first" philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

Canada | Remote - Anticipated Base Salary Range

$159,000-$193,000 USD

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
  • Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
  • Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
  • Health Savings Account contributions from Upstart for eligible plans (US only)
  • Income protection benefits, including life insurance and disability coverage for added financial security
  • Paid time off, sick leave, and company holidays, in line with local requirements
  • Paid family and parental leave to support caregiving and major life moments (duration varies by country)
  • Family-centered benefits to support fertility, parenthood, and caregiving needs
  • 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 (US Only)
  • 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, all-company updates, and employee resource groups (ERGs)
  • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

For roles based in Canada, please note that we are not currently able to hire in Quebec.

About Upstart

Upstart is a lending platform that uses artificial intelligence and machine learning to automate the borrowing process. The company was founded in 2012 by ex-Googlers and has since originated over $10 billion in loans. Upstart's platform uses non-traditional variables such as education and employment history to determine creditworthiness, which allows for more accurate risk assessment and better loan terms for borrowers. The company went public in December 2020 and is listed on the NASDAQ under the ticker symbol UPST.
Learn more about Upstart
Size
100 employees
Market Cap
$1 billion
Industry
Net Income
$11 million
Founded
2012
Revenue
$205.3 million
NASDAQ

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