Sr. Software Engineer, Personal Loans Engineering

1112
Engineering

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 1,800 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: Personal Loans Engineering owns the applicant journey and experience as they move through the loan application and verification process. PL Engineering is a conversion- and revenue-critical part of Upstart’s flagship product. The team brings single-threaded ownership to an experience that is aligning funnel outcomes and architectural evolution around one goal: maximizing originations while maintaining trust, risk integrity, and compliance. How you’ll make an impact

Own and improve key steps in the Got rate to Funded loan funnel to increase funded-loan conversion and reduce applicant drop-off, grounded in clear measurement and iteration loops.
Design and implement cleaner service boundaries and APIs to decouple tightly coupled Personal Loans systems, enabling faster iteration and cross-product reuse across unsecured lending.
Partner closely with Growth, Verifications Platform, Pricing/Decisioning/Risk, Lending Partners, and downstream teams to deliver end-to-end applicant outcomes without losing single-threaded ownership.
Lead complex, high-stakes changes that improve the user journey while protecting business continuity and operating within risk/compliance constraints.
Identify and prototype opportunities for intelligent automation (e.g., AI-driven nudges or chat/voice touchpoints) that reduce friction and accelerate time-to-fund.

Minimum Qualifications

Bachelor's degree and 7+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset or 10+ years of relevant experience.
Demonstrated experience decomposing or modernizing tightly coupled systems into modular components/services with clear interfaces, while maintaining reliability and continuity.
Experience with experiment-driven development (instrumentation, A/B testing, analysis/iteration) and translating product goals into technical execution.
Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders
Excellent written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders
Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback

Preferred Qualifications

Experience with full stack web development with Ruby on Rails,React,and cloud-native development (AWS preferred)and Docker,GitHub Actions,utilizing CI/CD technologies including infrastructure as code
Familiarity with onboarding/funnel optimization in high-scale consumer products,including conversionand time-to-complete improvements.
Experience in the customer support tech domain (e.g., contact center platforms,customer engagement solutions,or conversational AI systems)
Experience building in regulated or high-trust domains (e.g., fintech,lending,identity/verification,payments) where correctnessand compliance are first-class constraints.

Were a distributed team of remote workers (from coast to coast),and while we predominantly build asynchronously,we prefer facetime when collaborating in a tight feedback loop.Youll need to be comfortable with a few hours of Zoom per day (e.g., pair/mob programming) to excel in this role 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 liveand work anywhere in the U.S but are expected to still spend high quality time in-person collaborating via regular onsites.The in-person sessions’ cadence varies depending on the teamand role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

LI-REMOTE

LI-Senior

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 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 generous benefits packages (including medical dental vision 401k). United States | Remote - Anticipated Base Salary Range $166900—$239000 USD What you'll love At Upstart our benefits are designed to support your health financial well-being family personal growth Here’s what you can expect:

Competitive compensation including base pay bonus opportunities annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed up to $1515000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical dental vision coverage with multiple plan options - Upstart covers 90% to 100% of the cost depending on plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits including company-paid Basic Life AD&D Short-Term Long-Term Disability coverage options purchase supplemental coverage
Paid time off sick safe time company holidays
Paid family parental leave support caregiving major life moments
Family-centered benefits through Carrot Cleo supporting fertility parenthood caregiving
Employee Assistance Program (EAP) offering mental health support life-centered resources
Financial wellness resources including access financial planning tools financial concierge service
Annual wellness allowance support physical emotional well-being personal development based what matters most you
Annual productivity allowance invest relevant tools resources need do best work no matter where work from
Connection community through team events onsites all-company updates employee resource groups (ERGs)
Onsite perks including catered lunches fully stocked micro-kitchens when working from one four offices located Bay Area Austin Columbus New York City (opening Summer 2026!)

Upstart is a proud Equal Opportunity Employer Just as we are dedicated improving access affordable credit all committed inclusive fair hiring practices. If you require reasonable accommodation completing application interviewing completing any pre-employment testing otherwise participating employee selection process please email candidate_accommodations@upstart.com