Let’s get started
By clicking ‘Next’, I agree to the Terms of Service
and Privacy Policy
Jobs / Job page
Senior Software Engineer, Product image - Rise Careers
Job details

Senior Software Engineer, Product

About Upstart

Upstart is the 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 80% of borrowers are approved instantly, with zero documentation to upload.

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

Within Upstart’s Small Dollar Loans, we’re building an exciting new product, bolstering our mission of putting technology to work for everyday Americans—not to fabricate demand or profit from hardship, but to empower people with the tools and access they need to anticipate, adapt, and ultimately to gain control over their financial lives - something that’s desirable up and down the income spectrum. We believe AI can be an agent for opportunity and that financial systems should serve people, not the other way around.  

We’re building a new, AI-native team from the ground up, rethinking how we collaborate and the tools we use. We’re looking for engineers who thrive in early-stage environments, take pride in their craft, and are driven to make a real impact. And we believe great products come from teams that enjoy the journey, so we’re committed to building with joy, conviction, and care.

As a Senior Software Engineer at Upstart focused on Full Stack, B2C product development, you will build features which engage our borrowers. You will lead projects which align the Upstart Small Dollar Loan strategy. You will help move Upstart's web product forward, adding more capabilities to allow all Upstart verticals to build web features. This role will report initially to the VP of Engineering for Small Dollar Loans.

 

How you’ll make an impact:

  • Build high quality web features for the Small Dollar Loans product to engage and delight our customers
  • Lead projects from requirements, through design, and into the hands of our customers
  • Mentor other engineers
  • Collaborate with other engineers on developing northstar designs and engineering strategy
  • Review code from other engineers within the team and across Upstart

 

What we’re looking for: 

  • Minimum requirements:
    • 5+ years of experience developing full stack web applications professionally
    • Proficiency with either Kotlin, Ruby, Java, or C# and at least one other programming language
    • Proficiency with React.js
    • Passionate about the end-user experience, exhibiting a product-oriented mindset 
    • Depth of experience in software development principals and best practices for creating scalable and maintainable systems
    • Proven ability to effectively analyze and solve complex problems
  • Preferred qualifications:
    • AI-native experience leveraging AI tooling to help improve development efficiency, processes, collaboration, or communication
    • Experience with Next.js and Vercel
    • Experience with the Spring Framework
    • Familiarity with Ruby on Rails
    • Strong sense of ownership and accountability for the quality and timely delivery of work
    • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
    • Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve

 

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin 

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. 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

 

#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
$163,600$226,400 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 candidate_accommodations@upstart.com

https://www.upstart.com/candidate_privacy_policy

Average salary estimate

$195000 / YEARLY (est.)
min
max
$163600K
$226400K

If an employer mentions a salary or salary range on their job, we display it as an "Employer Estimate". If a job has no salary data, Rise displays an estimate if available.

What You Should Know About Senior Software Engineer, Product, Upstart

Join Upstart as a Senior Software Engineer focusing on Product to help shape the future of AI-powered lending! Upstart is not just any company; we are revolutionizing how people access credit by partnering with banks and credit unions to offer improved lending experiences. Want to be part of a mission that brings financial tools to everyday Americans? As a Senior Software Engineer here, you'll develop high-quality web features that will engage our borrowers and help shape our Small Dollar Loans product. Your expertise in full-stack development will be invaluable as you lead projects from the ground up, mentoring fellow engineers and collaborating with teams to create outstanding user experiences. At Upstart, we value creativity and joy in our work, and you'll find a supportive environment that encourages impactful contributions. If you thrive in early-stage environments and have a passion for delivering exceptional product experiences, Upstart could be your next big opportunity. Plus, enjoy the perks of remote work across the U.S., comprehensive benefits, and competitive compensation packages!

Frequently Asked Questions (FAQs) for Senior Software Engineer, Product Role at Upstart
What are the key responsibilities of the Senior Software Engineer at Upstart?

As a Senior Software Engineer at Upstart, your primary responsibilities include designing and implementing web features for the Small Dollar Loans product, leading various projects, mentoring fellow engineers, and collaborating on engineering strategies. You will directly contribute to enhancing customer engagement through quality product development.

Join Rise to see the full answer
What qualifications are necessary for the Senior Software Engineer role at Upstart?

To be a successful Senior Software Engineer at Upstart, candidates should have a minimum of 5 years of professional experience in full-stack web application development, proficiency in languages like Kotlin, Ruby, Java, or C#, and experience with React.js. A strong sense of ownership and a product-oriented mindset are also crucial.

Join Rise to see the full answer
Can remote work be part of the Senior Software Engineer position at Upstart?

Yes! The Senior Software Engineer position at Upstart is fully remote, allowing you to work from anywhere in the United States. We also have office locations in San Mateo, Columbus, and Austin for those who prefer an in-person environment.

Join Rise to see the full answer
What makes Upstart’s culture unique for a Senior Software Engineer?

At Upstart, engineers are encouraged to think creatively and bring joy to their work. We believe in building technology to empower individuals financially rather than exploiting their situations. This fosters an innovative culture where teamwork, mentorship, and personal growth are prioritized.

Join Rise to see the full answer
What potential growth opportunities exist for a Senior Software Engineer at Upstart?

Upstart provides ample growth opportunities for Senior Software Engineers, including the chance to lead projects, mentor junior team members, and collaborate on innovative solutions. The company's focus on diversity and professional development ensures that you will continue to grow your skills and career.

Join Rise to see the full answer
Common Interview Questions for Senior Software Engineer, Product
How do you approach developing scalable web applications?

To build scalable web applications, I start by understanding the business requirements and user needs. I prioritize designing modular architecture using best practices, like using RESTful APIs and ensuring efficient database structure. I also incorporate performance monitoring and testing strategies from the outset.

Join Rise to see the full answer
What is your experience with mentoring junior engineers?

Mentoring junior engineers is a rewarding experience for me. I believe in fostering a supportive learning environment by pairing them on projects, providing constructive feedback, and encouraging open communication. It's essential to adapt my mentoring to each individual's learning style for maximum impact.

Join Rise to see the full answer
Can you describe a challenging problem you solved in a previous project?

In my previous role, I faced a significant performance issue with a web application that processed large datasets. I analyzed the codebase, identified bottlenecks, optimized queries, and implemented caching strategies, resulting in a 50% improvement in load times.

Join Rise to see the full answer
How do you ensure you are up-to-date with the latest technologies?

I regularly engage in learning through online courses, tech blogs, forums, and webinars. Joining developer communities also helps me network and stay informed about industry trends and emerging technologies, which I can leverage in my work.

Join Rise to see the full answer
What strategies do you use for effective collaboration in remote teams?

Effective collaboration in remote teams involves using communication tools like Slack and Zoom to remain connected. Setting clear communication guidelines helps ensure everyone is on the same page. I also advocate for regular check-ins and utilizing project management software to track progress.

Join Rise to see the full answer
Describe your experience with code reviews.

Code reviews are crucial in maintaining code quality. I approach reviews with a collaborative mindset, focusing on constructive feedback. I ensure that I emphasize best practices while also learning from others’ approaches, fostering a knowledge-sharing culture within the team.

Join Rise to see the full answer
How do you prioritize tasks when multiple projects are in progress?

Prioritizing tasks involves assessing project deadlines, aligning tasks with company objectives, and communicating with stakeholders. I often use project management tools to track progress while remaining flexible to change as priorities shift based on team and business needs.

Join Rise to see the full answer
Have you utilized AI tools in your development process?

Yes, I’ve leveraged AI tools to streamline development processes, from automating repetitive tasks to using smart algorithms for code suggestions. These tools enhance productivity and allow for a greater focus on innovative problem-solving and feature development.

Join Rise to see the full answer
What do you think is the most important quality for a Senior Software Engineer?

I believe the most important quality for a Senior Software Engineer is adaptability. The tech landscape is constantly evolving, and being open to learning and integrating new technologies or methodologies is crucial for long-term success in the field.

Join Rise to see the full answer
How do you handle feedback and criticism from colleagues?

I view feedback as an opportunity for growth. When receiving criticism, I try to remain open-minded and seek clarity on the issue. I reflect on it and apply it to improve my work, knowing that collaboration strengthens our projects and leads to better outcomes.

Join Rise to see the full answer
Similar Jobs
Photo of the Rise User
Posted 11 days ago

Elevate your career as a Director of Product at Upstart, driving innovation in capital growth for an AI lending marketplace.

Photo of the Rise User
Upstart Remote United States | Remote
Posted 9 days ago

Join Upstart as a Senior IT Engineer and help drive our mission of providing effortless credit through innovative IT solutions.

Photo of the Rise User

Join Wolverine Trading as a Trading Strategies C++ Engineer to develop and implement state-of-the-art trading strategies within an innovative firm.

Photo of the Rise User
CompQsoft Hybrid Washington, District of Columbia, United States
Posted 4 days ago

Join our team as an Enterprise Architect with significant experience in software development and enterprise solutions at our Washington DC location.

Photo of the Rise User
Upwork Remote Manila, Metro Manila, Philippines
Posted 8 days ago

Join a dynamic team as a Software Engineer AI Trainer specializing in Kotlin for a leading enterprise client committed to advancing generative AI technology.

Photo of the Rise User
Posted 4 days ago

As a Staff Java Engineer, you'll leverage your expertise to enhance Motorola's mission-critical platform, working within a collaborative and agile environment.

Photo of the Rise User
ID.me Hybrid Mountain View, California, United States
Posted 2 days ago

ID.me is looking for a highly skilled Staff Software Development Engineer to join their Developer Portal Team in Mountain View, CA.

Photo of the Rise User
Linx Remote Joinville, Santa Catarina, Brasil
Posted 4 days ago

Join Linx as a Fullstack Developer Jr and make a meaningful impact in the Brazilian retail sector.

Photo of the Rise User
Posted 9 days ago

Join Blue Coding as a Senior Fullstack Developer and work remotely with top clients in the tech industry.

Photo of the Rise User
Posted 14 days ago

Join CVS Health as a Senior Full Stack Developer and impact the healthcare landscape with innovative software solutions.

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 would love to hear from you!

83 jobs
MATCH
Calculating your matching score...
FUNDING
SENIORITY LEVEL REQUIREMENT
TEAM SIZE
EMPLOYMENT TYPE
Full-time, remote
DATE POSTED
April 12, 2025

Subscribe to Rise newsletter

Risa star 🔮 Hi, I'm Risa! Your AI
Career Copilot
Want to see a list of jobs tailored to
you, just ask me below!
LATEST ACTIVITY
E
Someone from OH, Cincinnati just viewed Administrative Assistant at Elevate and Delegate
Photo of the Rise User
Someone from OH, Akron just viewed Customer Support Representative at ProVia
Photo of the Rise User
Someone from OH, Alliance just viewed Store Representative - Mid-Shift at Serv-U-Success
Photo of the Rise User
10 people applied to Full Stack Developer at VSoft Corp
Photo of the Rise User
Someone from OH, Eastlake just viewed (REMOTE) Account Executive at Trellis