Software Engineer, Borrower Experience

Upstart; Northern (KY); Hybrid; USD 142,000 - 197,000; Full time

Benefits offered by this job

Competitive compensation (base + bonus

Equity compensation

401(k)

Health, dental, vision benefits

Job summary

Upstart, a leading AI lending marketplace, is seeking a Software Engineer to design and build high-quality mobile applications using React Native. You will collaborate with product managers, designers, and backend engineers to deliver features that delight users and align with company goals.

The role involves expanding across iOS and Android and optimizing performance. The team emphasizes pragmatism, quality, and impact as we lay the foundation for a scalable, user-first mobile platform.

Qualifications

• Bachelor's degree or equivalent in CS/engineering/math or related field.
• Experience building in React Native and familiarity with at least one native platform (iOS/Swift or Obj-C; Android/Kotlin/Java).
• Strong collaboration with product/design/backend teams.

Responsibilities

• Build and maintain user-facing features in React Native mobile apps for iOS and Android.
• Design performant, maintainable mobile components and subsystems across platforms.
• Collaborate with product/design to scope, implement, and launch features.
• Contribute to platform improvements, including tooling, testing, CI/CD, and performance monitoring.
• Work with backend engineers to define mobile APIs and improve client-server integration.
• Identify and resolve performance or reliability issues in mobile experience.
• Participate in code reviews, architecture discussions, and technical planning.
• Mentor teammates and foster a strong mobile engineering culture.

Skills

React Native

Cross-platform mobile

Communication

Ownership

Growth mindset

TypeScript

Education

Bachelor's degree in Computer Science, Engineering, or Mathematics

Tools

TypeScript

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’s 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 (opening Summer 2026), 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:

Upstart’s Borrower Experience (BX) team is responsible for building and evolving the borrower-facing servicing experience across web, mobile, and AI-powered channels. The team focuses on reducing borrower friction, improving payment success, and enabling clear, self-serve paths for borrowers post-origination.

As the Software Engineer at Upstart, one of your first projects will be designing and building high-quality mobile applications using React Native. You’ll collaborate closely with product managers, designers, and backend engineers to deliver features that delight users and align with company goals. Our mobile codebase is React Native-first, and we’re in the early stages of expanding across iOS and Android. The work includes building user-facing features, improving performance, and partnering closely with backend and design teams. We’re a fast-moving team that values pragmatism, quality, and impact — and we’re laying the foundation for a scalable and user-first mobile platform.

How you’ll make an impact

• Build and maintain user-facing features in our React Native mobile apps across iOS and Android.
• Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms.
• Collaborate with product and design teams to scope, implement, and launch features that align with user and business needs.
• Contribute to platform improvements, including tooling, testing strategies, CI/CD, and performance monitoring.
• Work with backend engineers to define mobile-specific APIs and improve client-server integration patterns.
• Identify and resolve performance or reliability issues in the mobile experience.
• Participate in code reviews, architecture discussions, and technical planning to raise engineering quality across the team.
• Support a strong mobile engineering culture through mentorship, collaboration, and a focus on continuous improvement.

Minimum Qualifications

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• Have experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android).
• Communicate effectively with cross-functional partners in product, design, and backend engineering.
• Take ownership of your work and are comfortable delivering complex features from planning through release.
• Balance speed and quality, and advocate for maintainable, scalable engineering solutions.
• Contribute to team culture and engineering practices through feedback, mentoring, and collaboration.
• Embrace a growth mindset and enjoy learning from others while helping teammates grow

Preferred Qualifications

• Have helped launch or scale a React Native app on the Android platform.
• Are comfortable working with TypeScript or custom native modules.
• Understand mobile performance, memory management, and platform-specific constraints.
• Have experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks.
• Have worked in a fast-paced product company where mobile was a primary user touchpoint.
• Have contributed to internal tools, processes, or systems that improved mobile developer velocity or code quality.

Position location

This role is available in the following locations: Remote

Time zone requirements

The team operates on the East/West coast time zones.

Travel requirements

As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-REMOTE

#LI-Associate

At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range

$142,000—$196,600 USD

Canada | Remote - Anticipated Base Salary Range

$136,000—$165,000 CAD

What you’ll love

At Upstart, our benefits are designed to support your health, financial well‑being, family, and personal growth. Here’s what you can expect:

• 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!)

For roles based in Canada, please note that we are not currently able to hire in Quebec.

Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.

If you require reasonable accommodation in completing an application, interviewing, completing any pre‑employment testing, or otherwise participating in the employee selection process, please email [e-mail]

https://www.upstart.com/candidate_privacy_policy