Senior Software Engineer, Unsecured Installments

Upstart; Northern (KY); Remote; USD 180,000 - 230,000; Full time

Job summary

Upstart is hiring a Senior Software Engineer to lead frontend and full-stack initiatives, primarily using React and TypeScript. You will shape architecture for mobile-web and full-stack surfaces, and set a high bar for quality across borrower experiences.

You will collaborate closely with product, design, and backend engineers, and mentor other engineers along the way. You will work in a flexible, digital-first environment, with options to work remotely or in person from major U.S.

Qualifications

• Experience as a Senior Software Engineer with frontend focus.
• Strong hands-on experience with React and TypeScript.
• Ability to mentor engineers and partner with product/design/backend teams.

Responsibilities

• Own the design and delivery of large, complex frontend and full-stack initiatives using React and TypeScript, from planning.

Skills

React

TypeScript

Frontend engineering

Mentoring

Full-stack

Job description

About Upstart

At Upstart, we're united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that is both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We're proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn't mean distant. We're intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City, you'll have the support to work in the way that works best for you.

If you're energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we'd love to hear from you.

The Team:

Unsecured Installments is one of Upstart's core lending products, helping borrowers access credit through a seamless, digitally native experience. The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and borrower experience, while working closely with the broader lending platform that powers Upstart at scale. Recent work has focused on improving borrower flows, repricing and rate flexibility, partnership experiences, and the overall quality of the customer-facing experience.

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 frontend and full-stack initiatives using React and TypeScript, from planning