Senior Software Engineer - Remote, Lending Platform

Upstart; United States; Remote; USD 167,000 - 231,000; Full time

Benefits offered by this job

Competitive pay

401k with company match

ESPP

Comprehensive health coverage

Paid time off

Remote-friendly culture

Job summary

Upstart is seeking a Senior Software Engineer for its Home Lending Borrower Experience team. You will own borrower-facing systems, balancing speed, risk, and maintainability while collaborating with Product, Design, Data/ML, Servicing, and Operations.

You’ll influence multi-quarter projects to improve conversion, satisfaction, and product quality, ensuring reliability and observability across critical flows.

Qualifications

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, 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.

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.

Skills

Production software experience

Backend or frontend engineering

On-call responsibilities

Multi-quarter project delivery

Cross-functional collaboration

Application funnels/Borrower journeys

Metrics-driven prioritization

Live systems improvement

Influencing stakeholders

Education

Bachelor's degree in CS/Engineering/Math

Job description

Upstart is seeking a Senior Software Engineer for its Home Lending Borrower Experience team. You will own borrower-facing systems, balancing speed, risk, and maintainability while collaborating with Product, Design, Data/ML, Servicing, and Operations.

You’ll influence multi-quarter projects to improve conversion, satisfaction, and product quality, ensuring reliability and observability across critical flows.