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 1800 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 Cash Line and Unsecured Installment teams are building and scaling mobile experiences across two important lending product surfaces. This role will help both teams drive Android migration work strengthen Upstart’s mobile foundation and support a newly approved Android app launch plan on an aggressive timeline. The work is highly cross-functional and high-visibility with direct impact on product strategy engineering execution and the experience of future Android borrowers.
As the Principal Software Engineer Android at Upstart you will lead critical Android initiatives across both the Cash Line and Unsecured Installment teams while helping shape the long-term mobile architecture across those product areas. You’ll serve as the senior technical owner for native Android work partner across both teams to deliver against an ambitious roadmap and continue as a mobile specialist after launch with enough React Native experience to influence frontend direction delivery and engineering quality across the broader stack. This is a high-impact individual contributor role with meaningful technical leadership cross-team influence and mentorship responsibility.
How you’ll make an impact
Lead Android migration and development efforts across Cash Line and Unsecured Installment product surfaces making thoughtful technical decisions that improve product quality scalability and speed of execution.
Help deliver against Upstart’s approved Android launch plan translating aggressive business goals into pragmatic technical milestones and execution plans.
Set technical direction for mobile architecture helping the teams evolve a strong foundation across native Android and React Native surfaces while keeping Android expertise at the core.
Partner closely with product design and engineering stakeholders across both teams to translate roadmap priorities into durable mobile solutions.
Raise the bar for engineering excellence through technical leadership design reviews mentorship and pragmatic execution in ambiguous high-visibility problem spaces.
After launch continue as a mobile specialist who can support both the Cash Line and Unsecured Installment teams bringing deep Android expertise alongside enough React Native fluency to contribute across shared mobile surfaces.
Minimum Qualifications
8+ years of software engineering experience including substantial experience building and shipping native Android applications in Kotlin and/or Java.
Proven track record leading large cross-team mobile initiatives platform migrations or new mobile product launches in production environments.
Experience shipping consumer-facing mobile products at scale with strong attention to performance reliability and user experience.
Native Android depth in Kotlin and/or Java plus working experience with React Native and TypeScript to operate effectively across a mixed mobile stack.
Demonstrated technical leadership as a senior individual contributor including architecture ownership mentorship and influence across teams.
Preferred Qualifications
Experience serving as the mobile or frontend technical lead for a product team or business-critical product surface.
Breadth across mobile platforms including familiarity with iOS development React Native or cross-platform mobile architecture.
Background in fintech lending or other consumer financial products with complex user journeys and high quality expectations.
Experience helping teams build conviction around new mobile investments through technical proposals feasibility work or proof-of-concept execution.
Comfort leading through ambiguity in fast-scaling product environments where scope ownership and roadmap priorities evolve over time.
Experience building alignment across engineering product design and leadership partners in high-visibility cross-functional organizations.
Position Location - This role is available in the following locations: Remote Burlingame Columbus Austin New York
Time Zone Requirements - This team operates across all U.S. time zones.
Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups Upstart will cover all travel related expenses.
#LI-REMOTE
#LI-MidSenior --> use for L5 L6
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).
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).
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 $15000 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 [email protected]
https://www.upstart.com/candidate_privacy_policy
Skills Required
- 8+ years software engineering experience with substantial experience building and shipping native Android applications in Kotlin and/or Java.
- Proven track record leading large cross-team mobile initiatives platform migrations or new mobile product launches in production.
- Experience shipping consumer-facing mobile products at scale with attention to performance reliability and user experience.
- Native Android depth in Kotlin and/or Java plus working experience with React Native and TypeScript to operate across a mixed mobile stack.
- Demonstrated technical leadership as a senior individual contributor including architecture ownership mentorship and cross-team influence.
- Experience serving as the mobile or frontend technical lead for a product team or business-critical product surface.
- Familiarity with iOS development or cross-platform mobile architecture and breadth across mobile platforms.
- Background in fintech lending or consumer financial products.
- Experience driving technical proposals feasibility work or proofs-of-concept for new mobile investments.
- Comfort leading through ambiguity in fast-scaling product environments and building alignment across stakeholders.
What the Team is Saying
What We Do
Upstart is the leading AI lending marketplace connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart's AI lenders can approve more borrowers at lower rates across races ages and genders while delivering the exceptional digital-first experience customers demand. More than 80% of borrowers are approved instantly with zero documentation to upload. Founded in 2012 Upstart’s platform includes personal loans automotive retail and refinance loans home equity lines of credit and small-dollar “relief” loans. If you are energized by the impact you think you could make at Upstart we'd love to hear from you!
Why Work With Us
Connection to our mission creates a special environment where people feel passionately about the impact they make in the world. Upstart is fast-paced and we encourage ownership at all levels of the organization. As a result culture at Upstart is driven by Upstarters. Upstarters are proactive talented multi-dimensional and collaborative.
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Upstart Offices
Remote Workspace
Employees work remotely.
Upstart has a digital-first model enabling most Upstarters can live and work anywhere in the U.S. We also offer in-person options from our office locations in San Mateo California; Columbus Ohio; Austin Texas; and New York City NY.
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Date Posted
06/24/2026
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