Senior Software Engineer, Unsecured Installments

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 lead frontend and full-stack development for their Unsecured Installments team, enhancing borrower experiences through innovative technology.

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

Requirements:

• Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 6+ 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