[Remote] Senior Software Engineer, Auto
Note: The job is a remote job and is open to candidates in USA. Upstart is an AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. The Senior Software Engineer will build scalable product and platform capabilities for the Auto Secured Personal Loan product, including customer-facing experiences, eligibility systems, and workflow automation. The role partners with product, operations, risk, and engineering teams to improve conversion, automate workflows, and deliver secured lending capabilities in a regulated environment.
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
- Digital-first flexible work arrangement, allowing most employees to work remotely from wherever they thrive
- Target bonuses
- Equity compensation and annual equity grants that vest quarterly
- Retirement benefits, 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, including medical, dental, vision, and wellness resources for the US, and supplemental health coverage for Canada
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Life insurance and disability coverage
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave; duration varies by country
- Family-centered benefits supporting fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial planning tools and a financial concierge service (US only)
- Annual wellness allowance to support physical and emotional well-being and personal development
- Annual productivity allowance for relevant tools and resources needed to do your best work
- Team events, all-company updates, and employee resource groups (ERGs)
- Catered lunches and fully stocked micro-kitchens when working from offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026)
- Regular team onsites and in-person collaboration sessions, with most teams meeting once or twice per quarter for 2–4 consecutive days at a time
Company Overview
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