[Hiring] Senior Software Engineer, Borrower Experience @Upstart

Role Description

As a Senior Software Engineer, Borrower Experience at Upstart, you will work across full-stack systems and AI-powered surfaces to deliver intuitive borrower experiences. You will lead the design and development of scalable, high-impact solutions that enable borrowers to understand their options and take the right actions while shaping a cohesive and trusted servicing experience.

• Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success.
• Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume.
• Build and maintain full-stack systems integrating backend services with modern frontend frameworks.
• Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes.
• Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions.
• Contribute to architectural decisions and lead initiatives that unify systems into a cohesive borrower experience.

Qualifications

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience.
• 4+ years of professional software engineering experience building scalable web and/or mobile applications.
• Proficiency in one or more programming languages and modern development frameworks.
• Experience designing and building APIs, microservices, and distributed systems in a cloud environment.
• Experience leading projects spanning multiple engineers or systems.

Requirements

• Experience building or integrating LLM-powered or agentic systems.
• Familiarity with experimentation platforms and analytics tooling.
• Experience developing customer-facing financial or fintech products.
• Knowledge of modern frontend frameworks and deployment platforms.
• Experience working across multiple teams to deliver cohesive user experiences.
• Ability to design systems with reliability, safety, and explainability considerations.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees.
• Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose.
• Health Savings Account contributions from Upstart for eligible plans.
• Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage.
• Paid time off, sick and safe time, and company holidays.
• Paid family and parental leave to support caregiving and major life moments.
• Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving.
• 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.
• 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 and onsites, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).