Senior Software Engineer, Product

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

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