Senior Software Engineer, New Product
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Job Location:
San Mateo, CA - USA
Monthly Salary:
Not Disclosed
Posted on:
13 days ago
Vacancies:
1 Vacancy
Job Summary
About Upstart
At Upstart were united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day we bring creativity experimentation and advanced AI to reshape access to credit helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace we partner with banks and credit unions to expand access to affordable credit through technology thats both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1800 signals powering smarter fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea every voice and every contribution moves us closer to a world where credit never stands between people and their financial progress.
Were proudly digital-first giving most Upstarters the flexibility to do their best work from wherever they thrive alongside teammates across 80 cities in the US and Canada. Digital-first doesnt mean distant. Were intentional about in-person connection through team onsites planning sessions and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus Austin the Bay Area or New York City (opening Summer 2026) youll have the support to work in the way that works best for you.
If youre energized by tackling meaningful problems excited to innovate with purpose and motivated by work that truly matters wed love to hear from you.
The Team
Were a small senior engineering team building a new product within Upstart focused on helping consumers access responsible and affordable credit. We operate with a startup mindsetlean fast and deeply focused on impact. With a greenfield codebase and a high degree of autonomy were shaping both the product and the way modern engineering teams work in an AI-native environment.
How youll make an impact:
Design and build the frontend systems that power a brand-new consumer credit experience.
Develop scalable distributed services using event-driven architectures to ensure reliability observability and long-term maintainability.
Collaborate closely with design and product to translate intent into features that serve millions of consumers.
Drive technical decisions in a zero-to-one product environment balancing speed with high-quality execution.
Apply AI-native workflows to accelerate development testing analysis and documentation.
Help define engineering best practices and culture within a fast-moving and outcome-driven team.
What were looking for:
Minimum requirements:
4 years of experience building frontend and backend systems in production ideally for consumer-facing applications.
Strong technical background in distributed systems and event-driven architecture (Kafka SQS Kinesis or similar).
Proficiency in object-oriented programming languages (e.g. Java Kotlin C# Python Ruby) and familiarity with relational databases APIs and caching.
Demonstrated ability to work autonomously and thrive in ambiguous early-stage product environments.
Deep product sense with a strong focus on end-user experience and outcomes.
Familiarity with observability and reliability concepts (metrics logs traces SLOs).
Actively uses AI tools in engineering workflows with strong opinions about the future of AI in software development.
Excellent written and verbal communication skills.
Preferred qualifications:
Experience at consumer-focused (B2C) fintech or technology companies with millions of users.
Background in backend systems related to payments credit or high-scale user workflows.
Experience building zero-to-one products and contributing to product direction in small teams.
Exposure to schema evolution and safe data migrations in distributed environments (e.g. Protobuf Avro).
Entrepreneurial mindsetcomfortable in dynamic environments with a bias toward action and ownership.
Track record of scrappy high-quality execution and an interest in building software that serves underserved populations.
Strong AI instinctsinterest or experience building agentic systems or applying LLMs to development and testing.
Position Location -This role is available in the following locations: Remote San Mateo Columbus Austin
Time Zone Requirements - This team operates across all U.S. time zones.
Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups Upstart will cover all travel related expenses.
#LI-REMOTE
#LI-MidSenior
At Upstart your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic locationwith our digital first philosophy Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills experience and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition Upstart provides employees with target bonuses equity compensation and generous benefits packages (including medical dental vision and 401k).
What youll love
At Upstart our benefits are designed to support your health financial well-being family and personal growth. Heres what you can expect:
- 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 $15000 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!).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application interviewing completing any pre-employment testing or otherwise participating in the employee selection process please email
Senior IC
Key Skills
- Spring
- .NET
- C/C++
- Go
- React
- OOP
- C#
- AWS
- Data Structures
- Software Development
- Java
- Distributed Systems
About Company
Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your credit!
