[Remote] Software Engineer, Unsecured Installments

Note: The job is a remote job and is open to candidates in USA. Upstart is hiring a Senior Software Engineer for its Unsecured Installments team. The role leads frontend and full-stack development of borrower-facing lending experiences, shapes technical architecture, delivers complex projects, and mentors engineers.

Responsibilities

• Own the design and delivery of large, complex frontend and full-stack initiatives using React and TypeScript, from planning and sequencing through launch and long-term maintenance
• Set technical direction for the team's frontend architecture and full-stack patterns, owning a 3–6 month roadmap and proactively addressing systemic gaps that threaten team effectiveness
• Partner closely with product, design, and backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality experiences
• Raise the bar for engineering excellence through strong component and API design, thoughtful state management, testing, observability, and operational rigor across borrower-facing surfaces
• Lead through ambiguity, breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs on scope, performance, and user experience
• Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team
• Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage

Skills

• Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience)
• 4+ years of professional software engineering experience
• Deep proficiency building complex web applications with React and TypeScript, including component architecture, state management, performance optimization, and consuming REST or GraphQL APIs
• Full-stack experience designing and building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js
• Track record of independently leading the design and delivery of large, business-critical frontend or full-stack projects in production
• Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time
• Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product, design, and engineering partners
• Experience serving as the frontend or full-stack technical lead for a product team or business-critical product surface
• Experience building consumer-facing products at scale with strong attention to performance, accessibility, and user experience
• Background in fintech, lending, payments, or other regulated financial products with complex user journeys and high quality expectations
• Experience with experimentation, A/B testing, or feature-flagging to drive iterative product improvements in production
• Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows
• Hands-on experience leveraging generative AI in product features or internal engineering workflows
• Passion for building products that expand access to credit and improve financial outcomes for consumers

Benefits

• Competitive compensation, including bonus opportunities and annual equity grants that vest quarterly
• Retirement benefits: 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, including medical, dental, vision, and wellness resources for US employees, and supplemental health coverage for Canada
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Life insurance and disability coverage
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave; 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 physical and emotional well-being and personal development
• Annual productivity allowance for relevant tools and resources
• Team events, all-company updates, and employee resource groups (ERGs)
• Catered lunches and fully stocked micro-kitchens when working from offices in the Bay Area, Austin, Columbus, and New York City
• Remote work: most employees can live and work anywhere in the U.S.; employees are encouraged to attend in-person onsites. Most teams meet once or twice per quarter for 2–4 consecutive days at a time.
• Digital-first flexibility to work primarily from home or collaborate in person from an office in Columbus, Austin, the Bay Area, or New York City

Company Overview

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