Senior Software Engineer, Conversion

Upstart

2d•Remote

About The Position

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: The Conversion Engineering team sits at the intersection of product performance and business growth at Upstart. We are responsible for optimizing how borrowers move through the application journey—from rate check to funding—directly impacting Conversion Rate, one of the company’s most important operating metrics and a key driver of revenue. As a Senior Software Engineer on the Conversion Engineering team, you will play a critical role in building and evolving the core borrower experiences that drive ~80% of company revenue. You’ll work on highly visible, user-facing systems such as the unified rate page and funding flows across product lines, helping to shape both the technical direction and execution of key initiatives. Our team builds and iterates on high-impact experiences while partnering closely with Product, Design, and Machine Learning to launch new product flows, ship model upgrades, and continuously test and personalize borrower journeys. We are entering a critical phase of platform consolidation—unifying pricing systems across products and building a shared funding form architecture—while continuing to move quickly on new feature development. This is a high-impact team with ambitious goals and significant headcount growth planned.

Requirements

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
Experience delivering end-to-end features across frontend and backend systems, including APIs and microservices.
Strong frontend development experience building customer-facing web applications with a focus on performance, usability, and experimentation.
Demonstrated end-to-end ownership of multi-month initiatives, from technical design through launch and iteration.
Experience working in cross-functional environments with Product, Design, and other engineering teams.

Nice To Haves

Experience improving conversion funnels or other high-scale, metrics-driven user journeys through experimentation (e.g., A/B testing, personalization).
Background in consolidating or platformizing systems (e.g., unifying pricing logic or shared frontend architectures across multiple products).
Experience operating in a microservices-based architecture and contributing to architectural direction.
Track record of improving engineering processes, mentoring teammates, and raising the bar on technical excellence.
Experience in fintech or other highly regulated, high-availability environments.

Responsibilities

Lead end-to-end delivery of critical, user-facing features that improve loan application and rate check experiences—directly driving improvements in conversion and funding form submission metrics.
Rapidly iterate on the new unified rate page by expanding product coverage, launching new features, and improving performance and usability.
Contribute to the backend consolidation of pricing logic into a unified system, improving maintainability, consistency, and speed of experimentation across products.
Help define and build the next-generation, platformized funding form that supports multiple products, contributing to architectural direction and long-term scalability.
Strengthen engineering excellence by improving system performance, reliability, and on-call health for the features you build and own.

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!).