Senior Software Engineer, Home Lending

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 Home Lending Borrower Experience team supports the Home Lending borrower journey, including the end-to-end experience borrowers use to apply, receive a decision, and close. The team builds and maintains borrower-facing systems that directly affect application completion, customer satisfaction, and the ability to scale Home Lending products as volume grows. As a Senior Software Engineer on the team, you will own the reliability, quality, and forward momentum of borrower-facing systems. You will make technical decisions that balance speed, risk, maintainability, and product impact while partnering across Product, Design, Data and Machine Learning, Servicing, and Operations. How you’ll make an impact ● Build and improve borrower-facing systems that support Home Lending's application, decisioning, and closing experience ● Own production quality for critical borrower flows, including reliability, observability, error reduction, and on-call support ● Partner with Product, Design, Data and Machine Learning, Servicing, and Operations to deliver effective solutions across complex lending workflows ● Lead technical design and implementation for multi-quarter projects that improve borrower conversion, satisfaction, and product quality ● Make thoughtful technical tradeoffs that balance near-term delivery with long-term maintainability as Home Lending volume and product scope grow ● Improve team execution through code reviews, technical guidance, documentation, and practical engineering standards Minimum Qualifications ● Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field or its equivalent, and 4 years of professional software engineering experience ● Experience building and maintaining production software systems for consumer-facing web applications ● Experience with backend or user interface engineering in a production environment ● Experience owning production systems, including operational support, incident response, or on-call responsibilities ● Experience independently driving multi-quarter engineering projects from technical design through delivery Preferred Qualifications ● Knowledge of financial technology, lending, home lending, or other regulated consumer finance products ● Experience working on application funnels, borrower journeys, customer journeys, or other high-volume conversion flows ● Ability to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical work ● Skills in improving complex live systems incrementally while continuing to deliver new product capabilities ● Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions Position location This role is available in the following locations: Remote 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-MidSenior 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 $166,900 — $230,900 USD 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 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 For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the