Job Description

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, wed love to hear from you!

The Team:

Upstarts Auto Retail Lending team ison a mission to make it easy, fast, and seamless for car buyers to secure auto loans through our dealership partners . We build the core technologies that power Upstarts Auto Finance platform, with a focus on driving demand for auto loans by enabling our dealership partners to create, present, and close loan offers with ease. We design intuitive, stable, and high-impact workflows that integrate directly into the dealership experience. Our north star is conversion rate, turning credit applications into funded loans, through a strong product mix, deliberate engineering practices, and a customer-first mindset.

As a Senior Software Engineer at Upstart, you will work closely with cross-functional partners to execute projects across our entire stack. Ideally, youre a self starter who delivers work with quality, testability, resiliency, and maintainability in mind. Youll

How youll make an impact

• Lead successful projects working collaboratively with engineering team members and cross-functional partners
• Make thoughtful architectural decisions to improve the quality of our software and drive a culture of technical excellence
• Build dealership-facing tooling that streamline deal negotiation, loan creation, and contracting
• Ensure platform reliability and end-to-end scalability for Auto Retail loan originations
• Monitor success through metrics like conversion rate, rate presentation, and share of wallet

Minimum Qualifications

• 5+ years working with full stack web applications
• Demonstrated experience building scalable APIs and services, ideally in production
• Able to translate complex business requirements into system architecture and technical designs
• Experience leading engineers on medium to large projects through planning, design, implementation, and launch
• Experience driving a culture of technical excellence related to quality, availability, and scalability

Preferred Qualifications

• 3+ years working in a full stack capacity in languages such as Kotlin, Ruby, Typescript, or React
• Proficiency in Docker, GitHub Actions, and cloud environments like AWS
• Demonstrated success in mentoring teammates and guiding success in project execution
• Passion for improving user experience through best practices and metrics-driven development

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

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

#LI-REMOTE

#LI-MidSenior

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 locationwith 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

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