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 simultaneously delivering the exceptional 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 Role

As a Senior Mobile Software Engineer at Upstart, you’ll help design and build scalable, high-quality mobile applications using React Native. You’ll collaborate closely with product managers, designers, and backend engineers to deliver features that delight users and align with company goals.

This is a hands-on, execution-focused role for an experienced engineer who wants to ship features, own technical decisions, and improve our mobile platform. You’ll contribute to engineering quality through thoughtful system design, code review, and a focus on long-term maintainability.

The Team

The Mobile team at Upstart is building the future of our user experience. Our mobile codebase is React Native-first, and we’re in the early stages of expanding from iOS into Android. Our work spans user-facing features, performance optimization, platform tooling, and tight collaboration with backend and design partners.

We’re a fast-moving team that values pragmatism, quality, and impact — and we’re laying the foundation for a scalable and user-first mobile platform.

What You’ll Do

Build and maintain user-facing features in our React Native mobile apps across iOS (and Android, as we expand).
Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms.
Collaborate with product and design teams to scope, implement, and launch features that align with user and business needs.
Contribute to platform improvements, including tooling, testing strategies, CI/CD, and performance monitoring.
Work with backend engineers to define mobile-specific APIs and improve client-server integration patterns.
Identify and resolve performance or reliability issues in the mobile experience.
Participate in code reviews, architecture discussions, and technical planning to raise engineering quality across the team.
Support a strong mobile engineering culture through mentorship, collaboration, and a focus on continuous improvement.

We’re Excited About You Because You…

Have 6+ years of professional software development experience, including meaningful contributions to production mobile apps.
Have experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android).
Understand mobile performance, memory management, and platform-specific constraints.
Communicate effectively with cross-functional partners in product, design, and backend engineering.
Take ownership of your work and are comfortable delivering complex features from planning through release.
Balance speed and quality, and advocate for maintainable, scalable engineering solutions.
Contribute to team culture and engineering practices through feedback, mentoring, and collaboration.
Embrace a growth mindset and enjoy learning from others while helping teammates grow.

Bonus Points If You…

Have helped launch or scale a React Native app on the Android platform.
Are comfortable working with TypeScript or custom native modules.
Have experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks.
Have worked in a fast-paced product company where mobile was a primary user touchpoint.
Have contributed to internal tools, processes, or systems that improved mobile developer velocity or code quality.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin

ⓘ View potential timezone restrictions

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

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 and after-tax savings
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 onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices

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

$163,600—$226,400 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as 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.

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