[Remote] Senior Software Engineer

Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace on a mission to reduce the cost and complexity of borrowing for all Americans. As a Senior Software Engineer, you will own the reliability and quality of borrower-facing systems, making technical decisions to enhance the user experience in Home Lending products.ResponsibilitiesBuild and improve borrower-facing systems that support Home Lending's application, decisioning, and closing experienceOwn production quality for critical borrower flows, including reliability, observability, error reduction, and on-call supportPartner with Product, Design, Data and Machine Learning, Servicing, and Operations to deliver effective solutions across complex lending workflowsLead technical design and implementation for multi-quarter projects that improve borrower conversion, satisfaction, and product qualityMake thoughtful technical tradeoffs that balance near-term delivery with long-term maintainability as Home Lending volume and product scope growImprove team execution through code reviews, technical guidance, documentation, and practical engineering standardsSkillsBachelor's degree in Computer Science, Engineering, or Mathematics, or a related field or its equivalent, and 4 years of professional software engineering experienceExperience building and maintaining production software systems for consumer-facing web applicationsExperience with backend or user interface engineering in a production environmentExperience owning production systems, including operational support, incident response, or on-call responsibilitiesExperience independently driving multi-quarter engineering projects from technical design through deliveryKnowledge of financial technology, lending, home lending, or other regulated consumer finance productsExperience working on application funnels, borrower journeys, customer journeys, or other high-volume conversion flowsAbility to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical workSkills in improving complex live systems incrementally while continuing to deliver new product capabilitiesAbility to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussionsBenefitsTarget bonusesEquity compensationGenerous benefits packages (including medical, dental, vision, and 401k)Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterlyRetirement 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 securityPaid time off, sick leave, and company holidays, in line with local requirementsPaid family and parental leave to support caregiving and major life moments (duration varies by country)Family-centered benefits to support fertility, parenthood, and caregiving needsEmployee Assistance Program (EAP) offering mental health support and life-centered resourcesFinancial 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 youAnnual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work fromConnection 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 OverviewUpstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. It was founded in 2012, and is headquartered in San Mateo, California, USA, with a workforce of 1001-5000 employees. Its website is https://upstart.com/about.Company H1B SponsorshipUpstart has a track record of offering H1B sponsorships, with 14 in 2026, 67 in 2025, 66 in 2024, 84 in 2023, 85 in 2022, 42 in 2021, 15 in 2020. Please note that this does not guarantee sponsorship for this specific role.