Upstart · 10 hours ago
Software Engineer, Home Lending
United States
Full-time
Remote
Mid Level
$142K/yr - $197K/yr
4+ years expUpstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans. As a Software Engineer on the Home Lending team, you will help build and grow Upstart’s newest products, HELOC and Mortgage, contributing to making credit more accessible for millions of homeowners.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Proactively search out ways to make an impact beyond the Jira board
Turn feature-specific tasks into opportunities to up-level the team’s codebase and product
Know the product intimately enough to propose changes to requirements when we need to find a middle path
Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics
Contribute in a meaningful way to quality improvements within our team
Qualification
Required
4+ years proficiency in Kotlin, Java, or C#. (Our backend is in Kotlin, but Java and C#) are similar enough that you can learn on the job
Hands-on experience with SQL databases and domain modeling
Preferred
Excellent written and verbal communication skills. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you'll need to tailor your communication style to fit these different audiences' needs
Preference for face-time and synchronous collaboration. We're 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. You'll need to be comfortable with a few hours of Zoom per day (e.g. mob programming) to excel in this role
Comfortable challenging authority. We want engineers who can push back on their managers when they think we're going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one
Benefits
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP)
Life and disability insurance
Generous holiday, vacation, sick and safety leave
Supportive parental, family care, and military leave programs
Annual wellness, technology & ergonomic reimbursement programs
Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
Catered lunches + snacks & drinks when working in offices
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
The Motley Fool
2026-01-23
Business Wire
2026-01-22
The Motley Fool
2026-01-03
Company data provided by crunchbase