Senior Software Engineer

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

The Team

Upstart’s Home Lending Borrower Experience team supports the Home Lending borrower journey, including the end-to-end experience borrowers use to apply, receive a decision, and close. The team builds and maintains borrower-facing systems that directly affect application completion, customer satisfaction, and the ability to scale Home Lending products as volume grows.

As a Senior Software Engineer on the team, you will own the reliability, quality, and forward momentum of borrower-facing systems. You will make technical decisions that balance speed, risk, maintainability, and product impact while partnering across Product, Design, Data and Machine Learning, Servicing, and Operations.

How you’ll make an impact

• 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

Minimum Qualifications

• 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 development