Senior Software Engineer, Product

About Upstart

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 Team

Within Upstart’s Small Dollar Loans, we’re building an exciting new product, bolstering our mission of putting technology to work for everyday Americans—not to fabricate demand or profit from hardship, but to empower people with the tools and access they need to anticipate, adapt, and ultimately to gain control over their financial lives - something that’s desirable up and down the income spectrum. We believe AI can be an agent for opportunity and that financial systems should serve people, not the other way around.

We’re building a new, AI-native team from the ground up, rethinking how we collaborate and the tools we use. We’re looking for engineers who thrive in early-stage environments, take pride in their craft, and are driven to make a real impact. And we believe great products come from teams that enjoy the journey, so we’re committed to building with joy, conviction, and care.

As a Senior Software Engineer at Upstart focused on Full Stack, B2C product development, you will build features which engage our borrowers. You will lead projects which align the Upstart Small Dollar Loan strategy. You will help move Upstart's web product forward, adding more capabilities to allow all Upstart verticals to build web features. This role will report initially to the VP of Engineering for Small Dollar Loans.

How you’ll make an impact:

• Build high quality web features for the Small Dollar Loans product to engage and delight our customers
• Lead projects from requirements, through design, and into the hands of our customers
• Mentor other engineers
• Collaborate with other engineers on developing northstar designs and engineering strategy
• Review code from other engineers within the team and across Upstart

What we’re looking for:

• Minimum requirements:

• 5+ years of experience developing full stack web applications professionally

• Proficiency with either Kotlin, Ruby, Java, or C# and at least one other programming language

• Proficiency with React.js

• Passionate about the end-user experience, exhibiting a product-oriented mindset

• Depth of experience in software development principals and best practices for creating scalable and maintainable systems

• Proven ability to effectively analyze and solve complex problems

• Preferred qualifications:

• AI-native experience leveraging AI tooling to help improve development efficiency, processes, collaboration, or communication

• Experience with Next.js and Vercel

• Experience with the Spring Framework

• Familiarity with Ruby on Rails

• Strong sense of ownership and accountability for the quality and timely delivery of work

• Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics

• Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve

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

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