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Upstart Jobs in California (NOW HIRING)

About Upstart At Upstart, we're united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and ...

Staff Analyst

San Francisco, CA · On-site

$150 - $200/hr

About Upstart At Upstart, we're united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and ...

Upstart's Capital Markets team plays a pivotal role in securing loan funding capital for ou r AI lending marketplace. We collaborate with leading institutional investors across a diverse range of ...

About Upstart At Upstart, we're united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and ...

Software Engineer - Foundations As a Software Engineer, Foundations at Upstart, you will help scale and extend backend data systems that enable high-quality, reliable marketing data workflows. You ...

About Upstart At Upstart, we're united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and ...

Our team has built financial infrastructure at companies including Coinbase, Stripe, Square, Brex, Upstart, DoorDash, and Airbnb. We are united by the conviction that stablecoins can materially ...

Fast-growing team tackling an initial $140B market opportunity with a category-defining product * 77 NPS with customers like Zapier, Udemy, Coinbase, and Upstart * Women-led and mission-driven ...

The Junkluggers of Silicon Valley is an independently-owned, upstart franchise with a proven business model rapidly scaling within Silicon Valley. Job Summary Our Junk Removal Specialists are ...

We have a small team of people who have previously built financial infrastructure at some of the world's leading companies (Coinbase, Stripe, Square, Brex, Upstart, DoorDash, Airbnb) and each and ...

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Upstart information

See California salary details

$25K

$65.4K

$89.6K

How much do upstart jobs pay per year?

As of Sep 8, 2026, the average yearly pay for upstart in California is $65,388.00, according to ZipRecruiter salary data. Most workers in this role earn between $30,845.00 and $81,765.00 per year, depending on experience, location, and employer.

What is an Upstart?

Upstart jobs typically refer to roles available at Upstart, a financial technology company that uses artificial intelligence and machine learning to provide personal loans and other financial solutions. Employees at Upstart work in various fields, including software engineering, data science, product management, marketing, and customer support. Upstart jobs often focus on innovation, problem-solving, and improving access to credit by leveraging technology. The company is known for its collaborative culture and opportunities for professional growth. Working at Upstart can be rewarding for those interested in fintech and making a positive impact on financial services.

What are the key skills and qualifications needed to thrive as an Upstart employee?

To thrive at Upstart, you typically need a background in data analysis, finance, computer science, or a related field, often supported by a relevant degree or experience. Familiarity with technical tools such as SQL, Python, machine learning platforms, and CRM systems is highly valued. Strong problem-solving skills, adaptability, and effective communication help individuals excel in a fast-paced, innovative environment. These skills are crucial for driving technological advancements, optimizing lending processes, and delivering excellent customer experiences in the fintech sector.

What are some common challenges faced by Upstart loan underwriters, and how can they overcome them?

Upstart loan underwriters often encounter challenges such as assessing non-traditional credit data, managing high application volumes, and maintaining accuracy under tight deadlines. To overcome these hurdles, underwriters rely on Upstart's proprietary AI models, collaborate closely with data science and risk management teams, and continuously update their knowledge of lending regulations. Strong communication skills and adaptability are key to efficiently navigating evolving underwriting processes and ensuring fair lending decisions.

What is the difference between Upstart vs Loan Officer?

AspectUpstartLoan Officer
Required CredentialsHigh school diploma or equivalent; some roles may prefer a bachelor's degreeHigh school diploma or equivalent; often requires licensing or certification
Work EnvironmentOnline platform, remote or office-basedBank or lending institution, office or remote
Industry UsageFintech, online lendingBanking, mortgage, consumer lending
Common Search IntentCompare online lending platformsCompare lending careers or roles in banking

Upstart is a fintech company specializing in online personal loans, often employing data-driven algorithms. Loan Officers work in traditional financial institutions, assessing loan applications and guiding clients through the lending process. While both roles involve lending, Upstart focuses on digital platforms, whereas Loan Officers are typically employed in banks or credit unions. Understanding these differences helps job seekers find roles aligned with their skills and career goals.

What job categories do people searching Upstart jobs in California look for?

The top searched job categories for Upstart jobs in California are:

What cities in California are hiring for Upstart jobs?

Cities in California with the most Upstart job openings:

Infographic showing various Upstart job openings in California as of September 2026, with employment types broken down into 79% Full Time, and 21% Part Time. Highlights an 36% Physical, 6% Hybrid, and 58% Remote job distribution, with an average salary of $65,388 per year, or $31.4 per hour.

Principal Security Engineer, Infrastructure Security

Upstart

San Mateo, CA • On-site

$200 - $250/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 21 days ago


Upstart rating

7.6

Company rating: 7.6 out of 10

Based on 6 frontline employees who took The Breakroom Quiz


Job description

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital‑first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital‑first doesn’t mean distant. We’re intentional about in‑person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in‑person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team

Upstart’s Infrastructure Security team is focused on securing the cloud, compute, platform, and deployment layers that run our products. We believe security should enable fast, safe delivery through strong engineering fundamentals, automation, and secure‑by‑default patterns. Our team partners closely with platform, infrastructure, SRE, product engineering, risk, and compliance teams to reduce risk in areas such as cloud IAM, Kubernetes and container security, network controls, secrets management, infrastructure‑as‑code, production vulnerability management, and AI‑assisted developer workflows.

As the Principal Security Engineer at Upstart, you will define and drive the technical strategy for securing Upstart’s production infrastructure and developer platforms. You will lead cross‑functional and cross‑organizational efforts to reduce systemic infrastructure risk, influence architecture and engineering roadmaps, and build durable security controls that scale across teams. This role is well suited for a senior technical leader who brings deep infrastructure security expertise, strong engineering judgment, and the ability to translate complex security risks into practical, high‑impact improvements for the business.

How you’ll make an impact
  • Define and drive Upstart’s infrastructure security strategy, aligning secure‑by‑default principles with business priorities, regulatory expectations, and Upstart’s cloud‑native engineering roadmap.
  • Own the security roadmap for cloud, platform, compute, and deployment environments, partnering with infrastructure, platform, SRE, and product engineering leaders to reduce risk across multiple organizations.
  • Lead security architecture reviews for critical infrastructure initiatives, influencing technical decisions in areas such as cloud IAM, Kubernetes, container security, network segmentation, secrets management, CI/CD, and infrastructure‑as‑code.
  • Identify and reduce systemic infrastructure security risks by designing durable preventative controls, guardrails, and automation that improve security outcomes across engineering teams.
  • Establish standards and patterns for production access, service identity, workload trust, infrastructure hardening, vulnerability management, and secure operational practices.
  • Partner with engineering teams to improve the security of AI‑assisted developer workflows and GenAI‑enabled systems, including agentic tooling, coding assistants, and internal AI integrations that interact with production or sensitive environments.
  • Serve as a senior technical authority during high‑severity security or production incidents, driving root cause analysis, risk‑based prioritization, and long‑term architectural improvements.
  • Elevate infrastructure security maturity across Upstart by mentoring engineers, influencing senior stakeholders through clear risk communication, and helping teams build secure systems with less friction.
What we’re looking for
  • Minimum requirements:
    • 8+ years of experience in security engineering, infrastructure engineering, software engineering, or a related technical role.
    • 4+ years of experience focused on infrastructure, cloud, platform, or production security.
    • Experience securing cloud‑native infrastructure in AWS or a similar cloud environment.
    • Experience with multiple infrastructure security domains, such as cloud IAM, Kubernetes or container security, network security, secrets management, infrastructure‑as‑code, CI/CD security, production access, or vulnerability management.
    • Experience writing code or automation in Python, Go, Java, Ruby, or a similar programming language.
    • Experience leading security architecture reviews or technical risk assessments for complex production systems.
    • Experience designing and implementing preventative security controls, guardrails, or platform‑level security solutions used by multiple engineering teams.
    • Experience leading cross‑functional security initiatives with infrastructure, platform, SRE, product engineering, risk, compliance, or audit stakeholders.
  • Preferred qualifications:
    • 10+ years of experience spanning security engineering, infrastructure engineering, software engineering, or cloud platform engineering.
    • Experience owning a security roadmap for a technical domain that spans multiple teams or organizations.
    • Experience with Kubernetes security, service‑to‑service trust models, workload identity, runtime security, or cloud‑native network controls.
    • Experience improving cloud security posture management, hardening baselines, drift detection, or infrastructure vulnerability management programs.
    • Experience building or scaling infrastructure security programs, including defining metrics, maturity models, and risk‑based prioritization frameworks.
    • Familiarity with security considerations for AI‑assisted engineering workflows, including code generation, code review tooling, agentic automation, and sensitive data exposure risks.
    • Experience partnering with Legal, Risk, Compliance, or Audit teams to operationalize security controls in a regulated environment.
    • Security certifications such as AWS Security Specialty, GCP Professional Cloud Security Engineer, CISSP, CCSP, or equivalent practical expertise.
Position Location

This role is available in the following locations: Remote (US), San Mateo, Columbus, Austin

Time Zone Requirements

This team operates on the East/West Coast time zones.

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 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.

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–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.

$190,600—$263,900 USD

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

What you’ll love
  • 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.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy

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