[Remote] Senior Software Engineer
Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace on a mission to reduce the cost and complexity of borrowing for all Americans. As a Senior Software Engineer, you will own the reliability and quality of borrower-facing systems, making technical decisions to enhance the user experience in Home Lending products.
Responsibilities
- Build and improve borrower-facing systems that support Home Lending's application, decisioning, and closing experience
- Own production quality for critical borrower flows, including reliability, observability, error reduction, and on-call support
- Partner with Product, Design, Data and Machine Learning, Servicing, and Operations to deliver effective solutions across complex lending workflows
- Lead technical design and implementation for multi-quarter projects that improve borrower conversion, satisfaction, and product quality
- Make thoughtful technical tradeoffs that balance near-term delivery with long-term maintainability as Home Lending volume and product scope grow
- Improve team execution through code reviews, technical guidance, documentation, and practical engineering standards
Skills
- Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field or its equivalent, and 4 years of professional software engineering experience
- Experience building and maintaining production software systems for consumer-facing web applications
- Experience with backend or user interface engineering in a production environment
- Experience owning production systems, including operational support, incident response, or on-call responsibilities
- Experience independently driving multi-quarter engineering projects from technical design through delivery
- Knowledge of financial technology, lending, home lending, or other regulated consumer finance products
- Experience working on application funnels, borrower journeys, customer journeys, or other high-volume conversion flows
- Ability to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical work
- Skills in improving complex live systems incrementally while continuing to deliver new product capabilities
- Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions
Benefits
- Target bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- 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!)
Company Overview
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