Software Engineer, Unsecured Installments

Upstart•Burlingame, CA

2d•$142,000 - $196,600•Remote

About The Position

The Unsecured Installments team is responsible for one of Upstart's core lending products, which assists borrowers in obtaining credit through a smooth, digitally native experience. This team manages crucial aspects of the borrower's journey, including offer generation, pricing, underwriting, funding, and the overall borrower experience. They collaborate closely with the broader lending platform that supports Upstart's operations at scale. Recent efforts have concentrated on enhancing borrower flows, refining pricing and rate flexibility, improving partnership experiences, and elevating the quality of the customer-facing experience. As a Software Engineer on the Unsecured Installments team, you will be instrumental in building and enhancing the frontend and full-stack experiences that borrowers directly engage with. Your primary tools will be React and TypeScript, enabling you to deliver polished, reliable, and high-performing borrower flows. You will work in partnership with backend engineers, product managers, and designers to integrate these experiences with the underlying systems responsible for pricing, underwriting, and funding. This is a hands-on role where you will take ownership of significant features from conception to completion, deepening your technical expertise on a product critical to the business.

Requirements

Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 4-5+ years of professional software engineering experience.
Strong proficiency building web applications with React and TypeScript, including component design, state management, and consuming REST or GraphQL APIs.
Full-stack experience contributing to backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js.
Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment.
Ability to work effectively with product and design partners to deliver features from requirements through production.

Nice To Haves

Experience building consumer-facing products with attention to performance, accessibility, and user experience.
Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows.
Exposure to fintech, lending, payments, or other regulated financial products with complex user journeys.
Experience with experimentation, A/B testing, or feature-flagging in production environments.
Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development.
Passion for building products that expand access to credit and improve financial outcomes for consumers.

Responsibilities

Build and maintain borrower-facing web experiences using React and TypeScript, translating designs and product requirements into clean, responsive, accessible interfaces.
Work across the stack to connect frontend experiences to backend services and APIs, contributing to full-stack features that span the borrower journey.
Partner closely with product managers, designers, and backend engineers to scope, build, and ship features that improve borrower flows and reduce friction.
Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's frontend codebase.
Contribute to performance, reliability, and observability of the experiences you own, and help debug and resolve issues across environments.
Support experimentation and iterative improvements to borrower flows, using data and feedback to inform what gets built next.

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!)