Software Engineer, Borrower Experience

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. 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. Our platform runs over one million predictions per borrower using more than 3,000 signals, powering smarter, fairer decisions for millions of customers. 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. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. 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, you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Upstart’s Borrower Experience (BX) team is responsible for building and evolving the borrower-facing servicing experience across web, mobile, and AI-powered channels. The team focuses on reducing borrower friction, improving payment success, and enabling clear, self-serve paths for borrowers post-origination. As the Software Engineer at Upstart, one of your first projects will be designing and building high-quality mobile applications using React Native. You’ll collaborate closely with product managers, designers, and backend engineers to deliver features that delight users and align with company goals. Our mobile codebase is React Native-first, and we’re in the early stages of expanding across iOS and Android. The work includes building user-facing features, improving performance, and partnering closely with backend and design teams. We’re a fast-moving team that values pragmatism, quality, and impact — and we’re laying the foundation for a scalable and user-first mobile platform. How you’ll make an impact Build and maintain user-facing features in our React Native mobile apps across iOS and Android. Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms. Collaborate with product and design teams to scope, implement, and launch features that align with user and business needs. Contribute to platform improvements, including tooling, testing strategies, CI/CD, and performance monitoring. Work with backend engineers to define mobile-specific APIs and improve client-server integration patterns. Identify and resolve performance or reliability issues in the mobile experience. Participate in code reviews, architecture discussions, and technical planning to raise engineering quality across the team. Support a strong mobile engineering culture through mentorship, collaboration, and a focus on continuous improvement. Minimum Qualifications Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience Experience developing full-stack applications or building mobile applications with React Native. Communicate effectively with cross-functional partners in product, design, and backend engineering. Take ownership of your work and are comfortable delivering complex features from planning through release. Balance speed and quality, and advocate for maintainable, scalable engineering solutions. Contribute to team culture and engineering practices through feedback, mentoring, and collaboration. Embrace a growth mindset and enjoy learning from others while helping teammates grow Preferred Qualifications Have helped launch or scale a React Native app on the Android platform. Are comfortable working with TypeScript or custom native modules. Understand mobile performance, memory management, and platform-specific constraints. Have experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks. Have worked in a fast-paced product company where mobile was a primary user touchpoint. Have contributed to internal tools, processes, or systems that improved mobile developer velocity or code quality. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. 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. #LI-REMOTE #LI-Associate 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 $142,000 — $196,600 USD 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). Canada | Remote - Anticipated Base Salary Range $136,000 — $165,000 CAD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: 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 lea