Upstart is a financial services company that uses artificial intelligence to support lending decisions through a marketplace connecting banks and credit unions with borrowers. Its technology is designed to assess credit risk beyond traditional measures, helping lending partners broaden access to credit while managing approval and loss outcomes. In addition to its core lending marketplace, Upstart offers automobile refinancing and delivers a digital-first borrowing experience. The company’s work spans AI, credit risk evaluation, consumer lending, and financial technology.
Senior Software Engineer, Unsecured Installments
Lead frontend architecture and full-stack work for borrower experiences on Upstart’s AI-powered lending marketplace. Build with React and TypeScript, guide major engineering initiatives, and mentor fellow engineers.
Canada
United States$142,000 – $196,600 / year
RemoteFull-timeMiddleSeniorEnglish RequiredFull-stack EngineerSoftware EngineerDescription
- Lead complex frontend and full-stack projects with React and TypeScript, from planning and launch through ongoing maintenance.
- Guide frontend architecture and establish patterns for full-stack development.
- Manage a three- to six-month roadmap and resolve broader issues that hinder team effectiveness.
- Work with product, design, and backend teams to deliver scalable, high-quality borrower experiences.
- Strengthen component and API design, state management, testing, observability, and operational practices.
- Turn unclear problems into testable plans, using data to make decisions about scope, performance, and user experience.
- Support engineers’ growth through code and design reviews and technical guidance.
- Help apply AI in development workflows and product features.
Requirements
- Bachelor’s degree in computer science, engineering, or a related field, or equivalent practical experience.
- At least four years of professional software engineering experience.
- Advanced skill building complex web applications with React and TypeScript.
- Experience with component architecture, state management, performance optimization, and REST or GraphQL APIs.
- Full-stack experience designing and building backend services and APIs with Python, Java, Kotlin, Ruby, or Node.js.
- Demonstrated ability to independently lead large, business-critical frontend or full-stack projects in production.
- Ability to work effectively in ambiguous environments.
- Strong communication and collaboration skills.
- Preferred: frontend or full-stack technical leadership experience.
- Preferred: experience with large-scale consumer products, fintech, lending or payments, experimentation or A/B testing, modern frontend tools and test frameworks, CI/CD, or generative AI.
Benefits
- Competitive base pay, bonus opportunities, and annual equity grants that vest quarterly.
- A 401(k) or Group Retirement Savings Plan with a company match of $2 per $1 contributed, up to $15,000 per year.
- Discounted stock purchases through the Employee Stock Purchase Plan for eligible US employees.
- Medical, dental, vision, and wellness coverage and resources for US employees.
- Supplemental health coverage for employees in Canada.
- Health Savings Account contributions for eligible US plans.
- Life insurance and disability coverage.
- Paid time off, sick leave, and company holidays.
- Paid family and parental leave.
- Fertility, parenthood, and caregiving benefits.
- An Employee Assistance Program offering mental health support and life resources.
- Financial planning tools and a financial concierge service for US employees.
- Annual wellness allowance.
- Annual allowance for productivity tools and resources.
- Team events, company-wide updates, and employee resource groups.
- Catered lunches and stocked micro-kitchens at Bay Area, Austin, Columbus, and New York City offices.