Senior Software Engineer

The Team: 

Upstart’s Home Lending Borrower Experience team supports the Home Lending borrower journey including the end-to-end experience borrowers use to apply receive a decision and close. The team builds and maintains borrower-facing systems that directly affect application completion customer satisfaction and the ability to scale Home Lending products as volume grows.

As a Senior Software Engineer on the team you will own the reliability quality and forward momentum of borrower-facing systems. You will make technical decisions that balance speed risk maintainability and product impact while partnering across Product Design Data and Machine Learning Servicing and Operations.

How you’ll make an impact

● 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

Minimum Qualifications 

● Bachelor’s degree in Computer Science Engineering or Mathematics or a related field 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

Preferred Qualifications

● Knowledge of financial technology lending home lending or other regulated consumer finance products
● Experience working on application funnels borrower journeys customer journeys or other high-volume conversion flows
● Ability to use product metrics funnel data error rates and engineering judgment to prioritize technical work
● Skills in improving complex live systems incrementally while continuing to deliver new product capabilities
● Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions

Position location This role is available in the following locations: Remote 

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-MidSenior 

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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