Senior Software Engineer, Mobile

Upstart

1d•$166,900 - $230,900•Remote

About The Position

Upstart's Borrower Experience team is responsible for building and evolving the borrower-facing servicing experience across web, mobile, and AI-powered channels. The team focuses on reducing borrower friction, improving payment success, and enabling clear, self-serve paths for borrowers post-origination. As a Senior Mobile Engineer at Upstart, you will help design and build high-quality mobile applications using React Native. In this role, you will directly influence core servicing metrics such as Adjusted Payment Success Rate, Contact Rate, Borrower Friction/Satisfaction, and Loan Performance. You will also collaborate closely with product managers, designers, and backend engineers to deliver mobile features that delight users and align with company goals.

Requirements

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) and 4 years of experience.
Have experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android).
Understand mobile performance, memory management, and platform-specific constraints.
Communicate effectively with cross-functional partners in product, design, and backend engineering.
Take ownership of your work and are comfortable delivering complex features from planning through release.
Balance speed and quality, and advocate for maintainable, scalable engineering solutions.
Contribute to team culture and engineering practices through feedback, mentoring, and collaboration.
Embrace a growth mindset and enjoy learning from others while helping teammates grow.

Nice To Haves

Have helped launch or scale a React Native app on the Android platform.
Have experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks.
Have worked in a fast-paced product company where mobile was a primary user touchpoint.

Responsibilities

Build and maintain user-facing features in our React Native mobile apps across iOS and Android.
Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms.
Collaborate with product and design teams to scope, implement, and launch features that align with user and business needs.
Work with backend engineers to define mobile-specific APIs and improve client-server integration patterns.
Identify and resolve performance or reliability issues in the mobile experience.
Participate in code reviews, architecture discussions, and technical planning to raise engineering quality across the team.
Support a strong mobile engineering culture through mentorship, collaboration, and a focus on continuous improvement.

Benefits

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs
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 (US Only)
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, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)