Senior Software Engineer, Unsecured Installments

🕒 July 9

🇺🇸 United States – Remote

💵 $166.9k - $223.9k / year

⏰ Full Time

🟠 Senior

🧑‍💻 Full-stack Engineer

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🚘 Automotive

💼 Consulting

🏥 Healthcare

Automotive • Consulting • Healthcare

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. The company focuses on revolutionizing lending and credit risk evaluation by leveraging its AI marketplace, which allows for higher approval rates and lower loss rates for Upstart-powered banks and credit unions. Recently, Upstart has expanded its offerings to include automobile refinancing. With a mission to enable effortless credit based on true risk, Upstart is also known for its digital-first lending experience and holds a significant position in the financial services sector.

📋 Description

• Own the design and delivery of large, complex frontend and full-stack initiatives using React and TypeScript, from planning and sequencing through launch and long-term maintenance. • Set technical direction for the team's frontend architecture and full-stack patterns, owning a 3–6 month roadmap and proactively addressing systemic gaps that threaten team effectiveness. • Partner closely with product, design, and backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality experiences. • Raise the bar for engineering excellence through strong component and API design, thoughtful state management, testing, observability, and operational rigor across borrower-facing surfaces. • Lead through ambiguity, breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs on scope, performance, and user experience. • Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team. • Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage.

🎯 Requirements

• Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 6+ years of professional software engineering experience. • Deep proficiency building complex web applications with React and TypeScript, including component architecture, state management, performance optimization, and consuming REST or GraphQL APIs. • Full-stack experience designing and building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js. • Track record of independently leading the design and delivery of large, business-critical frontend or full-stack projects in production. • Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time. • Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product, design, and engineering partners.

🏖️ Benefits

• 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!)