Upstart

Upstart

Senior Software Engineer, Unsecured Installments

United States | Remote · Senior

Sponsorship not specified$167k-$224kDetected 1 day ago
TypeScriptPythonJavaRubyKotlinReactBackend DevelopmentFull-Stack DevelopmentCode ReviewCI/CDAPI DevelopmentGraphQLRESTSparkLLMsA/B TestingAccessibilityCadenceCypressJestCommunicationCollaborationUnderwriting

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

  • Own the design and delivery of large, complex frontend and full-stack initiatives using React and TypeScript, from planning and sequencing through launch and long-term maintenance.
  • Partner closely with product, design, and backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality experiences.
  • Raise the bar for engineering excellence through strong component and API design, thoughtful state management, testing, observability, and operational rigor across borrower-facing surfaces.
  • Lead through ambiguity, breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs on scope, performance, and user experience.
  • Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team.
  • Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage.
  • 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 6+ years of professional software engineering experience.
  • Deep proficiency building complex web applications with React and TypeScript, including component architecture, state management, performance optimization, and consuming REST or GraphQL APIs.
  • Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time.

Nice to have

  • Background in fintech, lending, payments, or other regulated financial products with complex user journeys and high quality expectations.
  • Experience with experimentation, A/B testing, or feature-flagging to drive iterative product improvements in production.
  • Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows.
  • Hands-on experience leveraging generative AI in product features or internal engineering workflows.
  • 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
  • $166,900 - $223,900 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 Senior Software Engineer on the Unsecured Installments team, you'll be a technical leader for the frontend and full-stack experiences that borrowers interact with directly.
  • Working primarily in React and TypeScript, you'll own the delivery of large, multi-month projects, shape the architecture of the team's mobile-web and full-stack surfaces, and set a high bar for quality across the borrower experience.
  • You'll partner closely with product, design, and backend engineers to turn ambiguous problems into durable, well-architected solutions, and you'll mentor other engineers along the way.
  • Set technical direction for the team's frontend architecture and full-stack patterns, owning a 3-6 month roadmap and proactively addressing systemic gaps that threaten team effectiveness.
  • As a digital first company, the majority of your work can be accomplished remotely.
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This listing is sourced directly from Upstart's careers page and normalized into a canonical job model.