Upstart is hiring: Machine Learning Engineer in San Mateo
Upstart, San Mateo, CA, United States
Overview About Upstart
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while delivering the digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk.
If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team Upstart’s Machine Learning, Personal Loan Underwriting team is focused on leveraging machine learning to power Upstart’s underwriting models. This team builds the underwriting model which determines credit decisioning at Upstart and plays a central role in overall performance with numerous challenging problems to solve.
As a Machine Learning Engineer, PL UW at Upstart, you will collaborate with Research Scientists, Data Scientists, and other engineering departments. Your work will impact the team in a number of ways:
Increase ML productivity through better software and infrastructure; improve how we research, train, deploy, serve and monitor our models.
Reduce the time from idea to production and enable testing of new ideas to fulfill our mission of enabling access to credit more effectively.
Design and implement code and algorithms to improve our model’s predictive power.
How you’ll make an impact Build repeatable workflows and automation that allow scientists to focus on high-leverage tasks (methodology, writing, analysis) and reduce time spent on maintenance.
Discover and develop a short and long-term roadmap of engineering improvements for the PL UW team.
Explore new algorithms and methodologies for our machine learning models.
Interface cross-functionally with other engineering teams to provide feedback and requirements for end-to-end high-quality systems.
Qualifications Education and Experience
Phd in a quantitative field with 0+ years of relevant experience
Masters in a quantitative field with 2+ years of relevant experience
Bachelors in a quantitative field with 4+ years of relevant experience
Experience in Python
Experience with Machine Learning
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 spend high quality time in-person collaborating via regular onsite. 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.
What you\'ll love Competitive Compensation (base + bonus & equity)
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
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 onsite sessions, ERGs, and interest groups
Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-Associate
Compensation 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. 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
$123,200—$170,500 USD
Equal Opportunity Upstart is an Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
Reasonable accommodations for applications, interviews, or pre-employment testing can be requested by emailing candidate_accommodations@upstart.com.
https://www.upstart.com/candidate_privacy_policy
#J-18808-Ljbffr
In Summary: The Machine Learning, Personal Loan Underwriting team is focused on leveraging machine learning to power Upstart’s underwriting models . This team builds the underwriting model which determines credit decisioning at Upstart and plays a central role in overall performance . As a digital first company, the majority of your work can be accomplished remotely .
En Español: Upstart es el principal mercado de préstamos AI que se asocia con bancos y cooperativas de crédito para expandir el acceso a créditos asequibles. Al aprovecharse del mercado de inteligencia artificial de Upstart, los bancos y las uniones de crédito Powered by Upstart pueden tener tasas más altas de aprobación y menores tasas de pérdidas en todas las razas, edades y géneros, mientras ofrecen la experiencia de préstamo digital-first que demandan sus clientes. Más del 80% de los prestatarios son aprobados instantáneamente, con cero documentación para cargar. Su trabajo impactará en el equipo de varias maneras: Aumentar la productividad del ML a través de un mejor software e infraestructura; mejorar la forma en que investigamos, entrenamos, desplegamos, atendemos y supervisamos nuestros modelos. Reducir el tiempo desde la idea hasta la producción y permitir probar nuevas ideas para cumplir nuestra misión de habilitar el acceso al crédito con más eficacia. Diseñar e implementar código e algoritmos para mejorar el poder predictivo de nuestro modelo. Cómo harás impacto Construir flujos de trabajo repetibles y automatización que permitan a los científicos centrarse en tareas de alto apalancamiento (metodología, escritura, análisis) y reducir el tiempo dedicado al mantenimiento. Descubre y desarrolle una hoja de ruta a corto y largo plazo de las mejoras de ingeniería para el equipo PL UW. Explore nuevos algoritmos y metodologías para modelos de aprendizaje automático. Interface interfuncionalmente con otros equipos para proporcionar retroalimentación cuantitativa y requisitos disponibles para sistemas de calidad-a-tendida. Esta experiencia puede ser completada con un mayor número de años de experiencia en el campo de la especialización en Ingeniería de Máquina. La mayoría de nuestros empleados pueden vivir y trabajar en cualquier lugar de los EE.UU., pero se les anima a pasar un tiempo de alta calidad colaborando personalmente a través del sitio regular. La cadencia de las sesiones personales varía dependiendo del equipo y el papel; la mayoría de los equipos se reúnen una o dos veces al trimestre durante 2-4 días consecutivos a la vez. Lo que te encantará Compensos competitivos (base + bonificación & equidad) Cobertura médica, dental y visión completa con contribuciones de Cuentas de ahorro de Salud desde Up 401k) con 100% coincidencia de empresa hasta $ 4,500 e incipiente inicio inmediato Plan de compra de acciones de Empleado (ESPP). Su reclutador puede compartir más información sobre el rango salarial específico para su ubicación preferida durante el proceso de contratación. Además, Upstart proporciona a los empleados bonos específicos, compensaciones por capital y paquetes generosos de beneficios (incluidos médicos, dentales, visión y 401k). Estados Unidos ̊ Remote - Anticipated Base Salary Range $123,200$170,500 USD Equal Opportunity Upstart es un Empleador de Igualdad de Oportunidades. Nos dedicamos a garantizar que las clases subrepresentadas tengan mejor acceso al crédito asequible, e estamos comprometidos a abrazar la diversidad e inclusión en nuestras prácticas de contratar. Celebramos todas las culturas, antecedentes, perspectivas y experiencias, y sabemos que solo podemos mejorar juntos.
Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while delivering the digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk.
If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team Upstart’s Machine Learning, Personal Loan Underwriting team is focused on leveraging machine learning to power Upstart’s underwriting models. This team builds the underwriting model which determines credit decisioning at Upstart and plays a central role in overall performance with numerous challenging problems to solve.
As a Machine Learning Engineer, PL UW at Upstart, you will collaborate with Research Scientists, Data Scientists, and other engineering departments. Your work will impact the team in a number of ways:
Increase ML productivity through better software and infrastructure; improve how we research, train, deploy, serve and monitor our models.
Reduce the time from idea to production and enable testing of new ideas to fulfill our mission of enabling access to credit more effectively.
Design and implement code and algorithms to improve our model’s predictive power.
How you’ll make an impact Build repeatable workflows and automation that allow scientists to focus on high-leverage tasks (methodology, writing, analysis) and reduce time spent on maintenance.
Discover and develop a short and long-term roadmap of engineering improvements for the PL UW team.
Explore new algorithms and methodologies for our machine learning models.
Interface cross-functionally with other engineering teams to provide feedback and requirements for end-to-end high-quality systems.
Qualifications Education and Experience
Phd in a quantitative field with 0+ years of relevant experience
Masters in a quantitative field with 2+ years of relevant experience
Bachelors in a quantitative field with 4+ years of relevant experience
Experience in Python
Experience with Machine Learning
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 spend high quality time in-person collaborating via regular onsite. 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.
What you\'ll love Competitive Compensation (base + bonus & equity)
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
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 onsite sessions, ERGs, and interest groups
Catered lunches + snacks & drinks when working in offices
#LI-REMOTE
#LI-Associate
Compensation 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. 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
$123,200—$170,500 USD
Equal Opportunity Upstart is an Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
Reasonable accommodations for applications, interviews, or pre-employment testing can be requested by emailing candidate_accommodations@upstart.com.
https://www.upstart.com/candidate_privacy_policy
#J-18808-Ljbffr
In Summary: The Machine Learning, Personal Loan Underwriting team is focused on leveraging machine learning to power Upstart’s underwriting models . This team builds the underwriting model which determines credit decisioning at Upstart and plays a central role in overall performance . As a digital first company, the majority of your work can be accomplished remotely .
En Español: Upstart es el principal mercado de préstamos AI que se asocia con bancos y cooperativas de crédito para expandir el acceso a créditos asequibles. Al aprovecharse del mercado de inteligencia artificial de Upstart, los bancos y las uniones de crédito Powered by Upstart pueden tener tasas más altas de aprobación y menores tasas de pérdidas en todas las razas, edades y géneros, mientras ofrecen la experiencia de préstamo digital-first que demandan sus clientes. Más del 80% de los prestatarios son aprobados instantáneamente, con cero documentación para cargar. Su trabajo impactará en el equipo de varias maneras: Aumentar la productividad del ML a través de un mejor software e infraestructura; mejorar la forma en que investigamos, entrenamos, desplegamos, atendemos y supervisamos nuestros modelos. Reducir el tiempo desde la idea hasta la producción y permitir probar nuevas ideas para cumplir nuestra misión de habilitar el acceso al crédito con más eficacia. Diseñar e implementar código e algoritmos para mejorar el poder predictivo de nuestro modelo. Cómo harás impacto Construir flujos de trabajo repetibles y automatización que permitan a los científicos centrarse en tareas de alto apalancamiento (metodología, escritura, análisis) y reducir el tiempo dedicado al mantenimiento. Descubre y desarrolle una hoja de ruta a corto y largo plazo de las mejoras de ingeniería para el equipo PL UW. Explore nuevos algoritmos y metodologías para modelos de aprendizaje automático. Interface interfuncionalmente con otros equipos para proporcionar retroalimentación cuantitativa y requisitos disponibles para sistemas de calidad-a-tendida. Esta experiencia puede ser completada con un mayor número de años de experiencia en el campo de la especialización en Ingeniería de Máquina. La mayoría de nuestros empleados pueden vivir y trabajar en cualquier lugar de los EE.UU., pero se les anima a pasar un tiempo de alta calidad colaborando personalmente a través del sitio regular. La cadencia de las sesiones personales varía dependiendo del equipo y el papel; la mayoría de los equipos se reúnen una o dos veces al trimestre durante 2-4 días consecutivos a la vez. Lo que te encantará Compensos competitivos (base + bonificación & equidad) Cobertura médica, dental y visión completa con contribuciones de Cuentas de ahorro de Salud desde Up 401k) con 100% coincidencia de empresa hasta $ 4,500 e incipiente inicio inmediato Plan de compra de acciones de Empleado (ESPP). Su reclutador puede compartir más información sobre el rango salarial específico para su ubicación preferida durante el proceso de contratación. Además, Upstart proporciona a los empleados bonos específicos, compensaciones por capital y paquetes generosos de beneficios (incluidos médicos, dentales, visión y 401k). Estados Unidos ̊ Remote - Anticipated Base Salary Range $123,200$170,500 USD Equal Opportunity Upstart es un Empleador de Igualdad de Oportunidades. Nos dedicamos a garantizar que las clases subrepresentadas tengan mejor acceso al crédito asequible, e estamos comprometidos a abrazar la diversidad e inclusión en nuestras prácticas de contratar. Celebramos todas las culturas, antecedentes, perspectivas y experiencias, y sabemos que solo podemos mejorar juntos.