[Remote] Senior Software Engineer, Auto

Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace dedicated to reducing borrowing costs and complexity for Americans. They are seeking a Senior Software Engineer to enhance their Auto Secured Personal Loan product through the development of customer-facing features, eligibility systems, and operational workflows, while collaborating with cross-functional teams to improve borrower experiences 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

Skills

• 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

Benefits

• Target bonuses
• Equity compensation
• Generous benefits packages (including medical, dental, vision, and 401k)
• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• Employee Assistance Program (EAP) offering mental health support and life-centered resources
• Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
• Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
• Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
• Connection and community through team events, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)

Company Overview

Company H1B Sponsorship