Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. They are seeking a Senior Software Engineer for the Unsecured Installments team to lead the design and delivery of frontend and full-stack initiatives, ensuring high-quality borrower experiences.
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
- 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
- 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
Skills
- 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
- Full-stack experience designing and building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js
- Track record of independently leading the design and delivery of large, business-critical frontend or full-stack projects in production
- Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time
- Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product, design, and engineering partners
- Experience serving as the frontend or full-stack technical lead for a product team or business-critical product surface
- Experience building consumer-facing products at scale with strong attention to performance, accessibility, and user experience
- 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
- Passion for building products that expand access to credit and improve financial outcomes for consumers
Benefits
- Target bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- 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
- 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 (US Only)
- 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, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company Overview
Company H1B Sponsorship