Senior Software Engineer, Product

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.

Within Upstart's Small Dollar Loans team, we're building an exciting new product to empower people with financial tools and access. As a Senior Software Engineer focused on Backend, B2C product development, you will:

• Build high-quality web features for the Small Dollar Loans product
• Lead projects from requirements through design and implementation
• Mentor other engineers and collaborate on northstar designs
• Review code across the team and organization
• Help move Upstart's web product forward with new capabilities

The role offers flexibility with locations in San Mateo, Columbus, Austin or remote work options. The team operates across all U.S. time zones with quarterly 3-day on-site collaboration sessions.

You'll be part of building an AI-native team from the ground up, rethinking collaboration and tooling. We're looking for engineers who thrive in early-stage environments, take pride in their craft, and are driven to make real impact. You'll help create products that put technology to work for everyday Americans—not to fabricate demand or profit from hardship, but to empower people with tools for financial control.

The role offers competitive compensation including base pay, bonus & equity, comprehensive benefits (medical, dental, vision, 401k matching), generous PTO, and a collaborative culture with regular team events. Join us in our mission of enabling access to effortless credit based on true risk while building innovative financial products that serve people.