Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace dedicated to reducing borrowing costs and complexity for Americans. They are seeking a Senior Software Engineer to enhance their Auto Secured Personal Loan product through the development of customer-facing features, eligibility systems, and operational workflows, while collaborating with cross-functional teams to improve borrower experiences and operational efficiency.
Responsibilities
- Build and improve product features that expand access to Upstart’s Auto Secured Personal Loan product and support growth in originations
- Design and deliver customer-facing funnel improvements, eligibility logic, and workflow automation that improve borrower experience and operational efficiency
- Partner with product, operations, risk, and engineering teams to evaluate tradeoffs across customer experience, risk, complexity, and speed to market
- Develop durable, scalable engineering solutions that create leverage for future secured lending product expansion
- Contribute to the team’s technical direction by identifying implementation risks, improving execution standards, and communicating progress and decisions clearly
- Support high-quality delivery in a regulated environment through thoughtful system design, testing, observability, and cross-functional alignment
Skills
- Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 4+ years of software engineering experience
- Experience designing, building, testing, and deploying production software systems
- Experience developing customer-facing product features, platform capabilities, or backend services in a production environment
- Experience working with cross-functional partners such as product management, design, analytics, operations, legal, or compliance
- Experience making technical tradeoffs across system reliability, maintainability, scalability, and product delivery timelines
- Knowledge of consumer lending, fintech, marketplace, or regulated product environments
- Experience building or improving conversion funnels, eligibility systems, decisioning workflows, or operational automation
- Ability to work through ambiguous product and technical problems by using data, judgment, and clear communication
- Skills in influencing technical direction and aligning stakeholders without direct authority
- Experience developing systems that balance customer experience, compliance needs, risk controls, and long-term engineering quality
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
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.Company H1B Sponsorship
Upstart has a track record of offering H1B sponsorships, with 14 in 2026, 67 in 2025, 66 in 2024, 84 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.