Senior Software Engineer, Auto Refi + Auto Secured Personal Loans

Upstart•San Mateo, CA

4d•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 Refi + Auto Secured Personal Loans team is responsible for scaling our auto refinance and auto secured personal loan products. Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product. We work iteratively to provide fast feedback loops so that we can apply new learnings quickly. As a Senior Software Engineer on the team, 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 may currently specialize on the backend or frontend, but you're looking to get your hands into both areas of the stack. You're eager to learn and grow as an individual and a leader and enjoy helping your team do the same.

Requirements

7+ years of professional full stack software development experience. We primarily use Kotlin (Spring), Ruby (Rails), and TypeScript (React) but are open to experience with different stacks.
4+ years of professional experience with SQL databases and domain modeling
Some experience with a front-end framework like React

Nice To Haves

Excellent written and verbal communication. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you’ll need to tailor your communication style to fit these different audiences’ needs.
Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction.
Comfortable challenging authority. We want engineers who can push back on their managers when they think we’re going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one.
Preference for face-time and synchronous collaboration. We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role.

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
Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics
Collaborate with stakeholders to find solutions to our most challenging problems

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