Senior Software Engineer, Auto

The Team

Upstart’s Auto Direct team is expanding access to secured lending products that help more borrowers move forward financially. The team builds customer-facing experiences, eligibility systems, operational workflows, and partner-channel capabilities that support growth across Upstart’s auto-secured lending programs.

As a Senior Software Engineer at Upstart, you will help deliver core product and platform capabilities that scale the Auto Secured Personal Loan product. You will work across engineering, product, operations, and risk to increase conversion, automate manual workflows, expand eligibility, and bring new secured lending capabilities to market.

How you’ll make an impact

• 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.

Minimum Qualifications

• 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 tradeoff decisions and communicating them clearly to stakeholders.