Base Salary
$167k - $231k/yr
Responsibilities
- Build and improve borrower-facing systems supporting Home Lending applications, decisioning, and closing
- Own production quality for critical borrower flows, including reliability, observability, error reduction, and on-call support
- Partner with Product, Design, Data and Machine Learning, Servicing, and Operations on complex lending workflows
- Lead technical design and implementation for multi-quarter projects that improve conversion, satisfaction, and product quality
- Make technical tradeoffs balancing near-term delivery with long-term maintainability
- Improve team execution through code reviews, technical guidance, documentation, and practical engineering standards
Requirements
- Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent, and 4 years of professional software engineering experience
- Experience building and maintaining production software systems for consumer-facing web applications
- Experience with backend or user interface engineering in a production environment
- Experience owning production systems, including operational support, incident response, or on-call responsibilities
- Experience independently driving multi-quarter engineering projects from technical design through delivery
- Knowledge of financial technology, lending, home lending, or other regulated consumer finance products is preferred
- Experience with application funnels, borrower journeys, customer journeys, or other high-volume conversion flows is preferred
- Ability to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical work
- Ability to improve complex live systems incrementally while delivering new product capabilities
- Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions
Benefits
- Remote work within the U.S., with most teams meeting in person once or twice per quarter for 2–4 consecutive days
- Base pay, bonus opportunities, and annual equity grants
- 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually
- Employee Stock Purchase Plan with discounted stock purchase options for eligible U.S. employees
- Medical, dental, vision, wellness, supplemental health, and Health Savings Account benefits
- Life insurance, disability coverage, paid time off, sick leave, company holidays, and paid family and parental leave
- Family-centered fertility, parenthood, and caregiving benefits and an Employee Assistance Program
- Financial wellness resources, annual wellness allowance, and annual productivity allowance
- Team events, company updates, employee resource groups, and catered office lunches and stocked micro-kitchens
Categories
About Upstart
Upstart (NASDAQ: UPST) is the leading AI lending marketplace, connecting millions of consumers to more than 100 banks and credit unions that leverage Upstart’s AI models and cloud applications to deliver superior credit products. With Upstart AI, lenders can approve more borrowers at lower rates while delivering the exceptional digital-first experience customers demand. More than 90% of loans are fully automated, with no human intervention by Upstart. Founded in 2012, Upstart’s platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small-dollar “relief” loans. Upstart is based in San Mateo, California. Upstart Network, Inc. NMLS #936133 | All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873 nmlsconsumeraccess.org