Upstart · 10 hours ago
Senior Software Engineer, Auto Refi + Auto Secured Personal Loans
United States
Full-time
Remote
Senior Level
$164K/yr - $226K/yr
7+ years expUpstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. As a Senior Software Engineer on the Auto Refi + Auto Secured Personal Loans team, you will work closely with cross-functional partners to execute projects across the whole stack, focusing on improving the quality and conversion of their products.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Lead successful projects working collaboratively with engineering team members and cross-functional partners
Make thoughtful architectural decisions to improve the quality of our software
Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics
Collaborate with stakeholders to find solutions to our most challenging problems
Qualification
Required
7+ years of professional full stack software development experience. We primarily use Kotlin (Spring), Ruby (Rails), and TypeScript (React) but are open to experience with different stacks
4+ years of professional experience with SQL databases and domain modeling
Some experience with a front-end framework like React
Preferred
Excellent written and verbal communication. 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
Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction
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
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. pair/mob programming) to excel in this role
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
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
2026-01-03
The Motley Fool
2026-01-01
2025-12-17
Company data provided by crunchbase