About Upstart
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team
Upstart’s Auto Refi + Auto Secured Personal Loans team is responsible for scaling our auto refinance and auto secured personal loan product. Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product. We work iteratively to provide fast feedback loops so that we can apply new learnings quickly.
As a Senior Software Engineer on the team, you will work closely with cross-functional partners to execute projects across the whole stack. You’re a full stack self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You're eager to learn and grow as an individual and a leader and enjoy helping your team do the same.
How you’ll make an impact:
- Lead successful projects working collaboratively with engineering team members and cross-functional partners
- Make thoughtful architectural decisions to improve the quality of our software
- Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics
- Collaborate with stakeholders to find solutions to our most challenging problems
What we’re looking for:
- Minimum requirements:
- 7+ years of professional full stack software development experience (We primarily use Kotlin (Spring), Ruby (Rails), and TypeScript (React) but are open to experience with different stacks)
- 4+ years of professional experience with SQL databases and domain modeling
- Some experience with a front-end framework like React
- Preferred qualifications:
- Excellent written and verbal communication. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you’ll need to tailor your communication style to fit these different audiences’ needs.
- Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction.
- Comfortable challenging authority. We want engineers who can push back on their managers when they think we’re going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one.
- Preference for face-time and synchronous collaboration. We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role.
Travel requirements: As a digital first company, the majority of your work can be accomplished remotely. This team also has regular onsite collaboration sessions. These occur roughly once per quarter (~3 days at a time) in one of our main offices (Columbus, OH, Austin, TX or San Mateo, CA). If you need to travel to make these meetups, Upstart will cover all travel related expenses.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
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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. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
United States | Remote - Anticipated Base Salary Range
$160,400 — $222,000 USD
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email
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