Senior Software Engineer, Home Lending

Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing through technology. The Senior Software Engineer will build and maintain borrower-facing Home Lending systems, own production quality and reliability, and lead technical projects across application, decisioning, and closing workflows.

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