Senior Software Engineer, Borrower Experience

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for all Americans. As a Senior Software Engineer in the Borrower Experience team, you will design and develop scalable solutions to enhance borrower-facing services across web and mobile platforms, ultimately improving user experience and self-service outcomes.

Responsibilities:

• Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success
• Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume
• Build and maintain full-stack systems integrating backend services with modern frontend frameworks
• Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes
• Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions
• Contribute to architectural decisions and lead initiatives that unify systems into a cohesive borrower experience

Requirements:

• Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• 4+ years of professional software engineering experience building scalable web and/or mobile applications
• Proficiency in one or more programming languages and modern development frameworks
• Experience designing and building APIs, microservices, and distributed systems in a cloud environment
• Experience leading projects spanning multiple engineers or systems
• Experience building or integrating LLM-powered or agentic systems
• Familiarity with experimentation platforms and analytics tooling
• Experience developing customer-facing financial or fintech products
• Knowledge of modern frontend frameworks and deployment platforms
• Experience working across multiple teams to deliver cohesive user experiences
• Ability to design systems with reliability, safety, and explainability considerations