[Hiring] Senior Software Engineer, Unsecured Installments @Upstart

Role Description

As a Senior Software Engineer on the Unsecured Installments team, you'll be a technical leader for the frontend and full-stack experiences that borrowers interact with directly. Working primarily in React and TypeScript, you'll own the delivery of large, multi-month projects, shape the architecture of the team's mobile-web and full-stack surfaces, and set a high bar for quality across the borrower experience. You'll partner closely with product, design, and backend engineers to turn ambiguous problems into durable, well-architected solutions, and you'll mentor other engineers along the way.

• 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.

Qualifications

• 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.

Requirements

• 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.

Benefits

• 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!).