Upstart · 18 hours ago
Senior Software Engineer, New Product
United States
Full-time
Remote
Mid, Senior Level
$142K/yr - $226K/yr
4+ years expUpstart is a leading AI lending marketplace on a mission to reduce the cost and complexity of borrowing for all Americans. The Senior Software Engineer will design and build frontend systems for a new consumer credit experience, develop scalable services, and collaborate with design and product teams to create impactful features.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Design and build the frontend systems that power a brand-new consumer credit experience
Develop scalable, distributed services using event-driven architectures to ensure reliability, observability, and long-term maintainability
Collaborate closely with design and product to translate intent into features that serve millions of consumers
Drive technical decisions in a zero-to-one product environment, balancing speed with high-quality execution
Apply AI-native workflows to accelerate development, testing, analysis, and documentation
Help define engineering best practices and culture within a fast-moving and outcome-driven team
Qualification
Required
4+ years of experience building frontend and backend systems in production, ideally for consumer-facing applications
Strong technical background in distributed systems and event-driven architecture (Kafka, SQS, Kinesis, or similar)
Proficiency in object-oriented programming languages (e.g., Java, Kotlin, C#, Python, Ruby) and familiarity with relational databases, APIs, and caching
Demonstrated ability to work autonomously and thrive in ambiguous, early-stage product environments
Deep product sense with a strong focus on end-user experience and outcomes
Familiarity with observability and reliability concepts (metrics, logs, traces, SLOs)
Actively uses AI tools in engineering workflows, with strong opinions about the future of AI in software development
Excellent written and verbal communication skills
Preferred
Experience at consumer-focused (B2C) fintech or technology companies with millions of users
Background in backend systems related to payments, credit, or high-scale user workflows
Experience building zero-to-one products and contributing to product direction in small teams
Exposure to schema evolution and safe data migrations in distributed environments (e.g., Protobuf, Avro)
Entrepreneurial mindset—comfortable in dynamic environments, with a bias toward action and ownership
Track record of scrappy, high-quality execution and an interest in building software that serves underserved populations
Strong AI instincts—interest or experience building agentic systems or applying LLMs to development and testing
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