Software Engineer, Borrower Experience

Upstart

Software Engineer creating borrower-facing features across mobile and web for Upstart’s AI lending platform. Focusing on reducing friction and enhancing borrower experiences with scalable solutions.

Posted 4/13/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $142,000 - $196,600 per yearWebsite

Tech Stack

Tools & technologies

CloudDistributed SystemsMicroservices

About the role

Key responsibilities & impact

Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success
Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume
Build and maintain full-stack systems integrating backend services with modern frontend frameworks
Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes
Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions
Contribute to architectural decisions that unify systems into a cohesive borrower experience

Requirements

What you’ll need

Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience
3+ years of professional software engineering experience building scalable web and/or mobile applications
Proficiency in one or more programming languages and modern development frameworks
Experience designing and building APIs, microservices, and distributed systems in a cloud environment
Experience delivering projects spanning multiple systems or engineers
Experience building or integrating LLM-powered or agentic systems (Preferred)
Familiarity with experimentation platforms and analytics tooling (Preferred)
Experience developing customer-facing financial or fintech products (Preferred)
Knowledge of modern frontend frameworks and deployment platforms (Preferred)
Experience working across multiple teams to deliver cohesive user experiences (Preferred)
Ability to design systems with reliability, safety, and explainability considerations (Preferred).

Benefits

Comp & perks

Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
Employee Assistance Program (EAP) offering mental health support and life-centered resources
Financial wellness resources, including access to financial planning tools and a financial concierge service
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).

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Hard Skills & Tools

software engineeringweb applicationsmobile applicationsprogramming languagesdevelopment frameworksAPIsmicroservicesdistributed systemscloud environmentA/B testing

Soft Skills

collaborationcommunicationproblem-solvingdesign thinkinganalytical skillsuser experience designproject managementadaptabilitycreativityattention to detail

Certifications

Bachelor’s degree in Computer ScienceBachelor’s degree in EngineeringBachelor’s degree in Mathematics