Senior Software Engineer, Product

Upstart, a leading AI lending marketplace, is seeking a Senior Software Engineer to join their Small Dollar Loans team. This role offers an exciting opportunity to work on building innovative financial products that make a real difference in people's lives.

As a Senior Software Engineer focused on Backend B2C product development, you'll be part of a team that's building from the ground up, rethinking how we collaborate and the tools we use. The position involves leading projects that align with Upstart's Small Dollar Loan strategy and building features that engage borrowers directly.

Upstart is a digital-first company that's revolutionizing lending through AI, with over 80% of borrowers approved instantly with zero documentation required. The company partners with banks and credit unions to expand access to affordable credit, achieving higher approval rates and lower loss rates across diverse demographic groups.

The role offers flexibility with multiple location options including remote work, or the choice to work from offices in San Mateo, Columbus, or Austin. The team operates across all U.S. time zones and has quarterly in-person collaboration sessions (3 days per quarter) with travel expenses covered by the company.

You'll be joining a team that values craftsmanship, impact, and enjoyment in their work. The position offers competitive compensation ranging from $142,000 to $226,400, along with comprehensive benefits including medical, dental, and vision coverage, 401(k) matching, equity opportunities, and various wellness programs.

This is an excellent opportunity for experienced engineers who thrive in early-stage environments and want to make a meaningful impact in financial technology. You'll be working with modern technologies like Kotlin, Ruby, and Java, while helping to shape the future of lending through AI-driven solutions.

The ideal candidate will bring 5+ years of backend development experience, strong technical skills, and a passion for building user-focused products. You'll have the chance to mentor others, lead significant projects, and contribute to engineering strategy while working on technology that helps expand access to affordable credit.