Senior Software Engineer, Auto Refi

San Mateo, CA - USA

Monthly Salary: Not Disclosed

Posted on: Yesterday

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:

Upstarts Auto Refi Auto Secured Personal Loans team is responsible for scaling our auto refinance and auto secured personal loan products. Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product. We work iteratively to provide fast feedback loops so that we can apply new learnings quickly.

As a Senior Software Engineer on the team you will work closely with cross-functional partners to execute projects across the whole stack. Youre a self-starter who delivers work with quality testability resiliency and maintainability in mind. You may currently specialize on the backend or frontend but youre looking to get your hands into both areas of the stack. Youre eager to learn and grow as an individual and a leader and enjoy helping your team do the same.

How youll make an impact

Lead successful projects working collaboratively with engineering team members and cross-functional partners.
Make thoughtful architectural decisions to improve the quality of our software
Propose and deliver new ideas that achieve meaningful improvements to our teams metrics
Collaborate with stakeholders to find solutions to our most challenging problems

Minimum Qualifications

Bachelors degree in Computer Science Engineering or Mathematics or a related field (or its equivalent) 4 years of experience
Strong focus on full-stack development distributed systems and APIs
Experience with some or many of the following: Ruby on Rails Kotlin PostgreSQL React Vercel Python
Experience with cloud platforms (AWS GCP Azure) and deploying applications in a cloud native environment
Experience with microservices architecture and real-time data processing pipelines (Kafka Spark or similar)
Familiarity with database technologies such as SQL and data warehousing solutions
Good communication and teamwork skills with the ability to work effectively with cross-functional teams

Preferred Qualifications

Excellent written and verbal communication. As an engineer a big part of your job will be representing your projects in cross-functional conversations and youll need to tailor your communication style to fit these different audiences needs.
Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction.
Comfortable challenging authority. We want engineers who can push back on their managers when they think were going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one.
Preference for face-time and synchronous collaboration. Were a distributed team of remote workers (from coast to coast) and while we predominantly build asynchronously we prefer facetime when collaborating in a tight feedback loop. Youll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role.

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-Associate

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).

United States Remote - Anticipated Base Salary Range

$166900$230900 USD

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

Experience:

Senior IC

About UpstartAt 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.A...