Senior Software Engineer, Borrower Experience

Upstart

21h•Remote

About The Position

In this role, you’ll be at the forefront of designing and developing features that guide borrowers from loan origination through final payment—ensuring transparency, simplicity, and ease at every step. Our team processes millions of dollars in transactions daily, offering a high-impact environment where you can tackle complex challenges and help transform how borrowers interact with their finances. You’ll collaborate with other engineers across all levels and cross-functional teams such as Product, Analytics, and other Servicing engineering teams on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.

Requirements

5+ years of professional software development experience
Technical leadership experience with deep understanding of code release, deployment orchestration / rollout mechanisms, logging, instrumentation, monitoring, and alerting in a microservices environment

Nice To Haves

Experience designing, developing, and deploying microservices-based applications
Strong sense of ownership and accountability for the quality and timely delivery of work
Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve
Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
Experience with Ruby on Rails or Kotlin

Responsibilities

Lead successful cross-team and/or multi-quarter, multi-engineer projects
Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind
Proactively search out ways to expand impact that extends well beyond the Jira board
Turn team-specific projects into opportunities to up-level the team and the org’s tech platform
Help us continue building our engineering team and keep Upstart a genuinely awesome place to work

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).