Senior Software Engineer, Conversion Rate Optimization

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 Conversion Rate Optimization (CRO) team is focused on improving the borrower journey from application initiation through rate acceptance. Our mission is to build fast, intuitive, and impactful user experiences that directly drive Upstart's revenue by increasing conversion metrics. We operate as a full-stack team and are deeply collaborative—engineers, product managers, and designers work closely to scope, build, and iterate on features that enhance our funding flow.

As a Senior Software Engineer, you will be directly responsible for helping build critical functionality that impacts Upstart's core business and help improve the user experience when completing applications, which translates into increased conversion metrics and revenue. You'll be working in a full-stack environment, designing and implementing user-facing features, leading end-to-end development of experiments, and contributing to key architectural decisions.

The role offers competitive compensation ($163,600—$226,400 USD) along with comprehensive benefits including medical, dental, vision coverage, 401(k) with company match, equity through ESPP, and various wellness programs. We're a digital-first company offering flexible work arrangements across all US time zones, with offices in San Mateo, Columbus, and Austin for those who prefer a hybrid environment.

The ideal candidate will bring 5+ years of software engineering experience, strong proficiency in backend languages like Ruby or Kotlin, and experience with modern frontend frameworks. You'll be joining a team that values curiosity, iteration, and meaningful business impact, while helping shape our technical culture through mentorship and best practices.

Join us in our mission to enable access to effortless credit based on true risk, working with a collaborative team that's passionate about improving user experiences through metrics-driven development.