Upstart

Upstart

Software Engineer, Unsecured Installments

United States | Remote

Sponsorship not specified$142k-$197kDetected 12 days ago
TypeScriptPythonJavaRubyKotlinReactBackend DevelopmentFull-Stack DevelopmentCode ReviewCI/CDGraphQLRESTSparkA/B TestingAccessibilityCadenceCypressJestUnderwriting

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

  • Build and maintain borrower-facing web experiences using React and TypeScript, translating designs and product requirements into clean, responsive, accessible interfaces.
  • Partner closely with product managers, designers, and backend engineers to scope, build, and ship features that improve borrower flows and reduce friction.
  • Contribute to performance, reliability, and observability of the experiences you own, and help debug and resolve issues across environments.
  • Support experimentation and iterative improvements to borrower flows, using data and feedback to inform what gets built next.
  • 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

  • Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 4-5+ years of professional software engineering experience.
  • Strong proficiency building web applications with React and TypeScript, including component design, state management, and consuming REST or GraphQL APIs.
  • Full-stack experience contributing to backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js.

Nice to have

  • Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows.
  • Exposure to fintech, lending, payments, or other regulated financial products with complex user journeys.
  • Experience with experimentation, A/B testing, or feature-flagging in production environments.
  • Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development.
  • Travel requirements As a digital first company, the majority of your work can be accomplished remotely.
  • The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites.
  • The in-person sessions' cadence varies depending on the team and role
  • most teams meet once or twice per quarter for 2-4 consecutive days at a time.

Skills

  • Individual pay is also determined by job-related skills, experience, and relevant education or training.

Compensation

  • At Upstart, your base pay is one part of your total compensation package.
  • The anticipated base salary for this position is expected to be within the below range.
  • United States | Remote - Anticipated Base Salary Range
  • Canada | Remote - Anticipated Base Salary Range
  • $142,000 - $196,600 USD

Benefits

  • In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

Company info

  • Unsecured Installments is one of Upstart's core lending products, helping borrowers access credit through a seamless, digitally native experience.
  • The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and borrower experience, while working closely with the broader lending platform that powers Upstart at scale.
  • Recent work has focused on improving borrower flows, repricing and rate flexibility, partnership experiences, and the overall quality of the customer-facing experience.
  • As a Software Engineer on the Unsecured Installments team, you'll build and improve the frontend and full-stack experiences that borrowers interact with directly.
  • You'll work primarily in React and TypeScript to ship polished, reliable, high-performing borrower flows, while partnering with backend, product, and design to connect those experiences to the systems behind pricing, underwriting, and funding.
  • This is a hands-on role where you'll own meaningful features end to end and grow your technical depth on a business-critical product.
  • Work across the stack to connect frontend experiences to backend services and APIs, contributing to full-stack features that span the borrower journey.
  • Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's frontend codebase.
  • As a digital first company, the majority of your work can be accomplished remotely.
  • 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.