Senior Software Engineer, Auto Retail

Upstart•San Mateo, CA

5d•Remote

About The Position

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; Austin, Texas; and New York City, NY (opening Summer 2026). 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, we’d love to hear from you! The Team: Upstart’s Auto Lending Growth team is on a mission to scale Upstart’s Auto Lending platform by expanding into all 50 states, integrating seamlessly with dealer systems, and delivering a compliant, high-conversion credit application experience. As a Senior Software Engineer on the Auto Lending Growth team at Upstart, you will work closely with cross-functional partners to execute projects across the whole stack. You’re a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You’ll move efficiently and deliberately to drive both existing and greenfield projects forward, while always keeping our end users in mind.

Requirements

6+ years working with full stack web applications
3+ years of experience working in a full stack capacity with NodeJS/Typescript and React or equivalent
Able to translate complex business requirements into system architecture and technical designs
Experience with cloud computing platforms and services such as AWS, Azure, or GCP
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

Nice To Haves

Experience deploying web applications on Vercel and/or with Next

Responsibilities

Lead successful projects working collaboratively with engineering team members and cross-functional partners
Make thoughtful architectural decisions to improve the quality of our software
Translate complex business requirements into technical plans, and ultimately high quality code
Drive a culture of technical excellence

Benefits

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