Senior Software Engineer, Unsecured Installments

Upstart

10d•$166,900 - $230,900•Remote

About The Position

As a Senior Software Engineer on the Unsecured Installments team, you'll be a technical leader for the frontend and full-stack experiences that borrowers interact with directly. Working primarily in React and TypeScript, you'll own the delivery of large, multi-month projects, shape the architecture of the team's mobile-web and full-stack surfaces, and set a high bar for quality across the borrower experience. You'll partner closely with product, design, and backend engineers to turn ambiguous problems into durable, well-architected solutions, and you'll mentor other engineers along the way. How you’ll make an impact: Own the design and delivery of large, complex backend and full-stack initiatives, from planning and sequencing through launch and long-term maintenance. Set technical direction for the team's service architecture, APIs, data models, and system integrations, owning a 3–6 month roadmap and proactively addressing systemic gaps that threaten reliability or team effectiveness. Partner closely with product, frontend, design, platform, and other backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality systems. Raise the bar for engineering excellence through thoughtful service and API design, data integrity, testing, observability, security, and operational rigor across business-critical lending workflows. Lead through ambiguity by breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs involving scope, scalability, performance, reliability, and customer experience. Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team. Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage.

Requirements

Bachelor's degree in Computer Science, Engineering, or a related field, or equivalent practical experience, and 6+ years of professional software engineering experience.
Deep proficiency designing and building backend services and APIs in a language such as Python, Java, Kotlin, Go, Ruby, or Node.js.
Strong experience with service architecture, API design, data modeling, relational or non-relational databases, and distributed systems.
Track record of independently leading the design and delivery of large, business-critical backend or full-stack projects in production.
Experience building reliable production systems, including testing, monitoring, incident response, performance optimization, and long-term operational ownership.
Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time.
Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product and engineering partners.

Nice To Haves

Experience serving as the backend or full-stack technical lead for a product team or business-critical system.
Experience building consumer-facing products or high-volume transactional systems with strong requirements around reliability, scalability, correctness, and security.
Background in fintech, lending, payments, or other regulated financial products involving complex workflows and high quality expectations.
Experience with distributed systems, asynchronous processing, event-driven architectures, or service-oriented architectures.
Familiarity with cloud infrastructure, relational and non-relational data stores, messaging systems, and CI/CD workflows.
Experience with experimentation, feature flagging, or platform capabilities that support iterative product improvements in production.
Hands-on experience leveraging generative AI in product features or internal engineering workflows.
Passion for building products that expand access to credit and improve financial outcomes for consumers.

Responsibilities

Own the design and delivery of large, complex backend and full-stack initiatives, from planning and sequencing through launch and long-term maintenance.
Set technical direction for the team's service architecture, APIs, data models, and system integrations, owning a 3–6 month roadmap and proactively addressing systemic gaps that threaten reliability or team effectiveness.
Partner closely with product, frontend, design, platform, and other backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality systems.
Raise the bar for engineering excellence through thoughtful service and API design, data integrity, testing, observability, security, and operational rigor across business-critical lending workflows.
Lead through ambiguity by breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs involving scope, scalability, performance, reliability, and customer experience.
Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team.
Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage.

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