Senior Software Engineer

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. They are seeking a Senior Software Engineer to enhance borrower-facing systems, ensuring reliability and quality while collaborating with cross-functional teams to improve the Home Lending experience.

Responsibilities:

• Build and improve borrower-facing systems that support Home Lending's application, decisioning, and closing experience
• Own production quality for critical borrower flows, including reliability, observability, error reduction, and on-call support
• Partner with Product, Design, Data and Machine Learning, Servicing, and Operations to deliver effective solutions across complex lending workflows
• Lead technical design and implementation for multi-quarter projects that improve borrower conversion, satisfaction, and product quality
• Make thoughtful technical tradeoffs that balance near-term delivery with long-term maintainability as Home Lending volume and product scope grow
• Improve team execution through code reviews, technical guidance, documentation, and practical engineering standards

Requirements:

• Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field or its equivalent, and 4 years of professional software engineering experience
• Experience building and maintaining production software systems for consumer-facing web applications
• Experience with backend or user interface engineering in a production environment
• Experience owning production systems, including operational support, incident response, or on-call responsibilities
• Experience independently driving multi-quarter engineering projects from technical design through delivery
• Knowledge of financial technology, lending, home lending, or other regulated consumer finance products
• Experience working on application funnels, borrower journeys, customer journeys, or other high-volume conversion flows
• Ability to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical work
• Skills in improving complex live systems incrementally while continuing to deliver new product capabilities
• Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions