Senior Software Engineer, Product

Upstart is a leading AI lending marketplace that partners with banks and credit unions to expand access to affordable credit. As a digital-first company, Upstart enables higher approval rates and lower loss rates across diverse demographics while delivering an exceptional digital-first lending experience.

The role is within Upstart's Small Dollar Loans team, where you'll be part of building an exciting new product aimed at empowering people with financial tools and access. As a Senior Software Engineer focused on Backend, B2C product development, you'll be responsible for building features that engage borrowers and lead projects aligning with Upstart's Small Dollar Loan strategy.

Key responsibilities include:

• Building high-quality web features for the Small Dollar Loans product
• Leading projects from requirements through design and implementation
• Mentoring other engineers
• Collaborating on northstar designs and engineering strategy
• Code review across the team and organization

The ideal candidate should have:

• 5+ years of backend web application development experience
• Proficiency in Kotlin, Ruby, Java, or C# and additional programming languages
• Strong product-oriented mindset and focus on user experience
• Deep understanding of software development principles and best practices
• Experience with Next.js, Vercel, Spring Framework, and Ruby on Rails (preferred)

The position offers competitive compensation ($142,000-$226,400 base salary) plus comprehensive benefits including:

• Medical, dental, and vision coverage
• 401(k) with 100% company match up to $4,500
• Equity and ESPP participation
• Generous PTO and parental leave
• Annual wellness, technology & ergonomic reimbursements
• Regular team events and social activities

As a digital-first company, Upstart offers flexibility with remote work options while maintaining offices in San Mateo, Columbus, and Austin. The team operates across all U.S. time zones with quarterly in-person collaboration sessions.

Join Upstart to be part of a mission-driven company using AI to revolutionize lending while building products that make a real impact on people's financial lives.