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: Personal Loans Engineering owns the applicant journey and experience as they move through the loan application and verification process. PL Engineering is a conversion- and revenue-critical part of Upstart’s flagship product. The team brings single-threaded ownership to an experience that is aligning funnel outcomes and architectural evolution around one goal: maximizing originations while maintaining trust, risk integrity, and compliance. How You’ll Make an Impact - Set technical direction for the applicant funnel - Define and drive the architecture of the end-to-end “Got Rate → Funded Loan” journey - Identify and resolve systemic bottlenecks impacting conversion, latency, and reliability - Lead large, cross-team initiatives - Own ambiguous, high-impact efforts that span Growth, Verifications Platform, Risk/Decisioning, and Lending Partners - Align multiple teams around cohesive technical strategies and execution plans - Evolve platform architecture - Drive decomposition of tightly coupled systems into scalable, reusable services and APIs Enable cross-product reuse across unsecured lending while maintaining system integrity - Translate complex business problems into systems - Balance product velocity, risk constraints, compliance requirements, and long-term maintainability Partner deeply with product, risk, compliance, and operations to deliver measurable business outcomes - Drive experimentation and intelligent automation - Elevate experimentation frameworks and data-driven iteration across the funnel - Identify and lead opportunities for AI-driven experiences (e.g., adaptive flows, conversational interfaces, automation) - Raise the engineering bar - Establish best practices in system design, observability, testing, and operational excellence - Mentor senior and staff engineers and influence engineering culture across the organization - Operate as a force multiplier - Provide technical leadership beyond the team, influencing architecture and strategy across Personal Loans and adjacent domains - Proactively identify long-term risks and opportunities, and drive alignment with leadership Minimum Qualifications - 10+ years of professional software engineering experience, with a strong track record of building and scaling consumer-facing systems - Proven experience operating at a Staff or Principal level, leading large, ambiguous, cross-functional initiatives - Deep expertise in distributed systems, service-oriented architectures, and system design at scale - Demonstrated experience decomposing or modernizing tightly coupled systems into modular components/services with clear interfaces, while maintaining reliability and continuity. - Experience with experiment-driven development (instrumentation, A/B testing, analysis/iteration) and translating product goals into technical execution. - Excellent written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders - Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback - Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent experience) Preferred Qualifications - Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred) and Docker, GitHub Actions, utilizing CI/CD technologies including infrastructure as code - Familiarity with onboarding/funnel optimization in high-scale consumer products, including conversion and time-to-complete improvements.Experience in the customer support tech domain (e.g., contact center platforms, customer engagement solutions, or conversational AI systems) - Experience building in regulated or high-trust domains (e.g., fintech, lending, identity/verification, payments) where correctness and compliance are first-class constraints. - We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. [OPTIONAL] In-Office requirements. You will be required to work from the {insert location} office x days per week/month. 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 expected 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-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 $166,900—$230,900 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 - Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees - Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose - Health Savings Account contributions from Upstart for eligible plans - Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage - Paid time off, sick and safe time, and company holidays - Paid family and parental leave to support caregiving and major life moments - Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving - 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 - 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 and onsites, all-company updates, and employee resource groups (ERGs) - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!). 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

• As an XR Developer within our Education project team, you are responsible for the technical realization of state-of-the-art medical simulations. • You will work in a high-performance environment alongside top-tier 3D artists and medical experts to build scalable, AI-enhanced training modules. • Unity Development: Write clean, modular C# code to build interactive medical procedures, ensuring systems are flexible enough to be reused across dozens of different surgical and anesthetic modules. • Art-to-Engine Integration: Work hand-in-hand with our 3D artists to bridge the gap between high-fidelity assets and engine performance. • AI Implementation: Proactively research and integrate AI tools to speed up development workflows and create dynamic, non-linear training scenarios. • Clinical Logic Programming: Translate complex medical protocols into robust state-machine logic, ensuring virtual medical equipment and patient reactions behave exactly as they would in a real Operating Room. • Data & Interoperability: Implement standards such as xAPI telemetry to track student progress and ensure the modules communicate seamlessly with centralized digital infrastructures and Learning Management Systems (LRS).

• Design and develop solutions using Salesforce OmniStudio components: OmniScripts, Integration Procedures, DataRaptors, FlexCards • Translate business requirements into scalable technical solutions • Integrate Salesforce with external systems via APIs and middleware • Collaborate with architects, Product Owners, and other developers • Ensure performance optimisation and scalability of solutions • Troubleshoot and resolve technical issues across the platform • Participate in agile ceremonies and contribute to continuous improvement • Maintain documentation and best practices

Building the Future of Crypto Our Krakenites are a world-class team with crypto conviction, united by our desire to discover and unlock the potential of crypto and blockchain technology. What makes us different? Kraken is a mission-focused company rooted in crypto values. As a Krakenite, you’ll join us on our mission to accelerate the global adoption of crypto, so that everyone can achieve financial freedom and inclusion. For over a decade, Kraken’s focus on our mission and crypto ethos has attracted many of the most talented crypto experts in the world. Before you apply, please read the Kraken Culture page to learn more about our internal culture, values, and mission. We also expect candidates to familiarize themselves with the Kraken app. Learn how to create a Kraken account here. As a fully remote company, we have Krakenites in 70+ countries who speak over 50 languages. Krakenites are industry pioneers who develop premium crypto products for experienced traders, institutions, and newcomers to the space. Kraken is committed to industry-leading security, crypto education, and world-class client support through our products like Kraken Pro, Desktop, Wallet, and Kraken Futures. Become a Krakenite and build the future of crypto! Proof of work The team The AI Infrastructure team builds and operates the production systems that power intelligent agents at scale. This team sits at the foundation of the agent platform, ensuring that model inference, orchestration, and execution layers are reliable, observable, and performant under real-world load. Working closely with the Agent Systems team and broader infrastructure partners, this group owns the core primitives that enable agents to safely operate across internal systems. The environment is high-scale and high-stakes — systems serve millions of users and must meet strict reliability, latency, and correctness standards. This is a deeply production-oriented team. Engineers here combine strong systems thinking with applied ML infrastructure experience, building in Rust and operating services where performance and failure modes matter. The opportunity - Design and build the infrastructure layer powering AI agent systems in production - Develop high-performance Rust services that handle model inference, orchestration, and execution - Architect scalable systems capable of supporting millions of users and high request throughput - Build reliable ML infrastructure and MLOps patterns for model deployment, evaluation, and monitoring - Define guardrails, observability, and failure handling for agent-driven workflows - Optimize latency, throughput, and cost across inference and orchestration layers - Partner closely with the Agent Systems team to translate experimental prototypes into hardened production systems - Contribute to foundational infrastructure decisions in a high-scale, high-impact environment Skills you should HODL - 5+ years of experience building and operating high-scale production systems - Strong proficiency in Rust and systems-level programming - Deep understanding of distributed systems, reliability engineering, and performance optimization - Experience operating services serving millions of users or high-throughput workloads - Familiarity with ML infrastructure, model serving, or MLOps in production environments - Experience designing observability, monitoring, and failure recovery systems - Strong collaboration skills working across infrastructure and applied engineering teams - High ownership mindset in high-stakes production environment Nice to haves - Experience building infrastructure for agent-based or LLM-powered systems - Background in high-performance networking, async systems, or low-latency architectures - Experience with container orchestration and cloud-native infrastructure - Familiarity with evaluation frameworks and model performance monitoring at scale - Experience working in fast-moving 0→1 or platform-building teams Unless a specific application deadline is stated in the job posting, applications are accepted on an ongoing basis. Please note, applicants are permitted to redact or remove information on their resume that identifies age, date of birth, or dates of attendance at or graduation from an educational institution. We consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. Kraken is powered by people from around the world and we celebrate all Krakenites for their diverse talents, backgrounds, contributions and unique perspectives. We hire strictly based on merit, meaning we seek out the candidates with the right abilities, knowledge, and skills considered the most suitable for the job. We encourage you to apply for roles where you don't fully meet the listed requirements, especially if you're passionate or knowledgable about crypto! We may ask candidates to complete job-related skills or work-style assessments as part of our hiring process. These assessments are designed to evaluate competencies relevant to the role and are applied consistently across candidates for similar positions. Assessment results are considered alongside other relevant information, such as experience and interviews, and are not the sole basis for any employment decision. As an equal opportunity employer, we don’t tolerate discrimination or harassment of any kind. Whether that’s based on race, ethnicity, age, gender identity, citizenship, religion, sexual orientation, disability, pregnancy, veteran status or any other protected characteristic as outlined by federal, state or local laws. Stay in the know Follow us on Twitter Learn on the Kraken Blog Connect on LinkedIn Candidate Privacy Notice