Senior Software Engineer, Unsecured Installments

Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing and expanding access to affordable credit. The Senior Software Engineer will lead frontend and full-stack development for the Unsecured Installments product, owning large projects, shaping architecture, partnering with cross-functional teams, and mentoring engineers.

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