Upstart · 3 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 an AI lending marketplace focused on reducing borrowing costs for Americans. They are seeking a Senior Software Engineer to enhance their auto refinance and personal loan products by collaborating with cross-functional teams and making architectural decisions to improve software quality.
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
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
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