Senior Software Engineer

Upstart

7d•$166,900 - $230,900•Remote

About The Position

Upstart is seeking a Senior Software Engineer to join their Home Lending Borrower Experience team. This role will focus on building and maintaining borrower-facing systems that support the entire home lending borrower journey, from application to closing. The engineer will be responsible for the reliability, quality, and forward momentum of these systems, making technical decisions that balance speed, risk, maintainability, and product impact. They will collaborate with Product, Design, Data and Machine Learning, Servicing, and Operations teams to deliver effective solutions. The position is digital-first, offering flexibility to work remotely, with opportunities for in-person collaboration through team onsites.

Requirements

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 or user interface engineering in a production environment
Experience owning production systems, including operational support, incident response, or on-call responsibilities
Experience independently driving multi-quarter engineering projects from technical design through delivery

Nice To Haves

Knowledge of financial technology, lending, home lending, or other regulated consumer finance products
Experience working on application funnels, borrower journeys, customer journeys, or other high-volume conversion flows
Ability to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical work
Skills in improving complex live systems incrementally while continuing to deliver new product capabilities
Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions

Responsibilities

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

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!)