Upstart · 1 week ago
Principal Mobile Software Engineer
United States
Full-time
Remote
Lead/Staff
$186K/yr - $258K/yr
8+ years expUpstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing. The Principal Mobile Software Engineer will lead efforts in scaling and refining the React Native architecture, collaborating with cross-functional teams to deliver impactful mobile features and improve the overall developer experience.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Drive technical strategy for our mobile apps — from platform architecture to product scalability and developer experience
Build foundational systems in React Native that enable fast, high-quality feature development across both iOS and Android
Collaborate with product and design to scope, implement, and launch user-facing features that align with company goals
Bridge mobile and backend systems by shaping APIs and improving client-server interaction patterns
Identify friction in the mobile development lifecycle and lead improvements to tooling, modularization, CI, and testing strategies
Mentor engineers and help grow a culture of ownership, technical rigor, and continuous learning
Influence both product and platform direction as we scale our mobile efforts across multiple surfaces and teams
Support company goals such as improving user engagement, increasing retention, and unlocking new growth channels through mobile innovation
Help define and uphold the engineering culture, patterns, and practices that guide mobile development at Upstart
Qualification
Required
Have 8+ years of professional software development experience, including meaningful contributions to production mobile apps
Have built and maintained features in both React Native and at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android)
Understand the nuances of mobile performance, memory management, and platform-specific challenges
Have led architecture planning and helped engineering teams make informed tradeoffs
Communicate early and often with cross-functional partners in product, design, backend, and QA to ensure alignment and shared understanding
Take ownership of your work from design through delivery, and value long-term thinking over quick fixes
Appreciate the strength of diverse perspectives and thrive on being part of an inclusive, collaborative team
Embrace a growth mindset, value mentorship, and enjoy helping others grow
Preferred
Have supported or led the migration of native apps to React Native, or introduced native modules into React Native codebases
Have supported or led the introduction of React Native on the Android platform
Are comfortable working with TypeScript or custom native modules
Have experience working at a company where mobile is a primary user touchpoint
Have built or scaled mobile systems like push notifications, deep linking, analytics, or A/B testing frameworks
Enjoy building platforms that empower other developers to move faster and ship with confidence
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