Engineering

Job not on LinkedIn

🕒 April 13

🇺🇸 United States – Remote

💵 $166.9k - $230.9k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

🖥 Software Engineer

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Upstart

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As we transitioned to being a public company, we’re now poised to leverage our domain expertise and revolutionize every aspect of lending and credit risk evaluation. We’ve recently expanded our offerings to include automobile refinancing and we plan to take on more verticals as the business grows.

📋 Description

• Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success • Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume • Build and maintain full-stack systems integrating backend services with modern frontend frameworks • Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes • Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions • Contribute to architectural decisions and lead initiatives that unify systems into a cohesive borrower experience

🎯 Requirements

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience • 4+ years of professional software engineering experience building scalable web and/or mobile applications • Proficiency in one or more programming languages and modern development frameworks • Experience designing and building APIs, microservices, and distributed systems in a cloud environment • Experience leading projects spanning multiple engineers or systems • Experience building or integrating LLM-powered or agentic systems • Familiarity with experimentation platforms and analytics tooling • Experience developing customer-facing financial or fintech products • Knowledge of modern frontend frameworks and deployment platforms • Experience working across multiple teams to deliver cohesive user experiences • Ability to design systems with reliability, safety, and explainability considerations

🏖️ Benefits

• 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!).