Upstart

Principal Mobile Software Engineer

United States | Remote · Principal

Sponsorship not specified$195k-$270kDetected 12 days ago

JavaKotlinReactReact NativeiOSAndroidSparkA/B TestingProduct StrategyLeadershipCollaborationMentoring

About the role

Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
But the numbers only hint at the impact.
Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

Responsibilities

Lead Android development for the team and help deliver against Upstart's approved Android launch plan this year, translating aggressive business goals into pragmatic technical milestones and execution plans.
Partner closely with product, design, and engineering stakeholders to translate roadmap priorities into durable mobile solutions.
Raise the bar for engineering excellence through technical leadership, design reviews, mentorship, and pragmatic execution in ambiguous, high-visibility problem spaces.
After launch, continue as the team's mobile specialist, bringing broad React Native fluency alongside deep Android expertise to support the full unsecured installments mobile stack.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that's both radically intelligent and deeply human.
And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you'll have the support to work in the way that works best for you.

Requirements

Strong native Android depth in Kotlin and/or Java, with experience shipping or launching native Android applications in production.
Proven track record leading cross-team mobile initiatives, platform migrations, or new mobile product launches in production environments.
Experience shipping consumer-facing mobile products at scale with strong attention to performance, reliability, and user experience.

Nice to have

Breadth across mobile platforms, including familiarity with iOS development or cross-platform mobile architecture.
Background in fintech, lending, or other consumer financial products with complex user journeys and high quality expectations.
Comfort leading through ambiguity in fast-scaling product environments where scope, ownership, and roadmap priorities evolve over time.
Time Zone Requirements - This team operates across all U.S. time zones.
These occur 3 days per quarter at an Upstart office.
If you need to travel to make these meetups, Upstart will cover all travel related expenses.
#LI-MidSenior --> use for L5, L6
What you'll love

Compensation

The anticipated base salary for this position is expected to be within the below range.
$195,300 - $270,400 USD
$182,800 - $230,000 USD

Benefits

Individual pay is also determined by job-related skills, experience, and relevant education or training.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth.
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
Health Savings Account contributions from Upstart for eligible plans (US only)
Income protection benefits, including life insurance and disability coverage for added financial security
Paid time off, sick leave, and company holidays, in line with local requirements
Paid family and parental leave to support caregiving and major life moments (duration varies by country)
Family-centered benefits to support fertility, parenthood, and caregiving needs

Company info

Upstart's Unsecured Installment team builds and scales the mobile experiences behind our small dollar loans and personal loans products.
This role will strengthen Upstart's mobile foundation across the team's mobile codebase and help drive a newly approved Android app launch on an aggressive timeline this year.
The work is highly cross-functional and high-visibility, with direct impact on product strategy, engineering execution, and the borrower experience.
As the Principal Mobile Engineer on the Unsecured Installment team, you will be the senior technical owner for the team's mobile work.
You'll operate primarily as a mobile generalist and React Native specialist who elevates the team's mobile codebase, while bringing the native Android depth needed to lead our Android launch this year.
After launch, you'll continue as the team's mobile specialist, shaping long-term mobile architecture and quality across both React Native and native Android surfaces.
This is a high-impact individual contributor role with meaningful technical leadership, cross-team influence, and mentorship responsibility.
Serve as the primary mobile engineer and React Native specialist for the Unsecured Installment team, raising the quality, scalability, and velocity of the team's mobile codebase across small dollar loans and personal loans.
Set technical direction for the team's mobile architecture, evolving a strong foundation across React Native and native Android surfaces.
Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers.

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This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.