Senior Software Engineer, Auto Retail

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand.

The Auto Lending Growth team is on a mission to scale Upstart's Auto Lending platform by expanding into all 50 states, integrating seamlessly with dealer systems, and delivering a compliant, high-conversion credit application experience.

As a Senior Software Engineer on the Auto Lending Growth team, you will work closely with cross-functional partners to execute projects across the whole stack. You're a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You'll move efficiently and deliberately to drive both existing and greenfield projects forward, while always keeping our end users in mind.

The role offers competitive compensation including base salary, bonus, and equity, along with comprehensive benefits. You'll be part of a digital-first company culture with regular on-site collaboration sessions (3 days per quarter). The team operates across all U.S. time zones and offers flexibility in work location, whether remote or from offices in San Mateo, Columbus, or Austin.

This is an excellent opportunity for an experienced engineer to make a significant impact on scaling a innovative lending platform while working with modern technologies and an accomplished team. The role combines technical leadership with hands-on development, requiring both strategic thinking and strong implementation skills.