About Upstart
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. More than 80% of borrowers are approved instantly, with zero documentation to upload.
Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; Austin, Texas; and New York City, NY (opening Summer 2026).
Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!
The Team:
Upstart’s Auto Lending Growth team is on a mission to scale Upstart’s Auto Lending platform by expanding into all 50 states, integrating seamlessly with dealer systems, and delivering a compliant, high-conversion credit application experience.
As a Senior Software Engineer on the Auto Lending Growth team at Upstart, you will work closely with cross-functional partners to execute projects across the whole stack. You’re a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You’ll move efficiently and deliberately to drive both existing and greenfield projects forward, while always keeping our end users in mind.
How you’ll 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
- Translate complex business requirements into technical plans, and ultimately high quality code
- Drive a culture of technical excellence
Minimum Qualifications
- 6+ years working with full stack web applications
- 3+ years of experience working in a full stack capacity with NodeJS/Typescript and React or equivalent
- Able to translate complex business requirements into system architecture and technical designs
- Experience with cloud computing platforms and services such as AWS, Azure, or GCP
- Experience leading engineers on medium to large projects through planning, design, implementation, and launch
- Experience driving a culture of technical excellence related to quality, availability, and scalability
Preferred Qualifications
- Experience deploying web applications on Vercel and/or with Next
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.
What you'll love:
- Competitive Compensation (base + bonus & equity)
- Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
- 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
- Employee Stock Purchase Plan (ESPP)
- Life and disability insurance
- Generous holiday, vacation, sick and safety leave
- Supportive parental, family care, and military leave programs
- Annual wellness, technology & ergonomic reimbursement programs
- Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
- Catered lunches + snacks & drinks when working in offices
#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 location–with 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).
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 [email protected]
https://www.upstart.com/candidate_privacy_policy
