Senior Software Engineer, Auto

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 deliver core product and platform capabilities for their Auto Secured Personal Loan product, collaborating with various teams to enhance customer experience and operational efficiency.

Responsibilities:

• Build and improve product features that expand access to Upstart’s Auto Secured Personal Loan product and support growth in originations
• Design and deliver customer-facing funnel improvements, eligibility logic, and workflow automation that improve borrower experience and operational efficiency
• Partner with product, operations, risk, and engineering teams to evaluate tradeoffs across customer experience, risk, complexity, and speed to market
• Develop durable, scalable engineering solutions that create leverage for future secured lending product expansion
• Contribute to the team’s technical direction by identifying implementation risks, improving execution standards, and communicating progress and decisions clearly
• Support high-quality delivery in a regulated environment through thoughtful system design, testing, observability, and cross-functional alignment

Requirements:

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 4+ years of software engineering experience
• Experience designing, building, testing, and deploying production software systems
• Experience developing customer-facing product features, platform capabilities, or backend services in a production environment
• Experience working with cross-functional partners such as product management, design, analytics, operations, legal, or compliance
• Experience making technical tradeoffs across system reliability, maintainability, scalability, and product delivery timelines
• Knowledge of consumer lending, fintech, marketplace, or regulated product environments
• Experience building or improving conversion funnels, eligibility systems, decisioning workflows, or operational automation
• Ability to work through ambiguous product and technical problems by using data, judgment, and clear communication
• Skills in influencing technical direction and aligning stakeholders without direct authority
• Experience developing systems that balance customer experience, compliance needs, risk controls, and long-term engineering quality