Senior Software Engineer, Small Dollar Loans

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 a mission-critical product that provides fair-priced, non-predatory loan alternatives to millions of Americans.

The Small Dollar Loan team operates like a startup within Upstart, focusing on refining ML models, automating customer experiences, and scaling the business. Since its launch in April 2022, the team has successfully expanded credit access to tens of thousands of customers while maintaining strong unit economics.

As a Senior Software Engineer, you'll be at the forefront of core engineering initiatives, working with a modern tech stack including Kotlin, Spring Boot, React, Next.js, AWS, and Kafka. The role demands both technical excellence and business acumen, as you'll be expected to lead cross-team projects, drive architectural decisions, and directly impact business metrics.

The position offers flexibility with multiple location options including San Mateo, Columbus, Austin, or fully remote within the US. The team operates across all U.S. time zones and has quarterly in-person collaboration sessions (3 days per quarter) at an Upstart office, with travel expenses covered.

Upstart provides a comprehensive benefits package including competitive compensation with base salary, bonus, and equity, full healthcare coverage, 401(k) matching, ESPP, generous PTO, and various wellness programs. The company maintains a digital-first approach while fostering a collaborative culture through regular team events, ERGs, and various interest groups.

This is an ideal opportunity for experienced engineers who want to make a meaningful impact on financial inclusion while working with cutting-edge technology in a fast-paced, startup-like environment within a established fintech company.