Senior Software Engineer, Onboarding Experience Team

About Upstart

Upstart is revolutionizing the lending marketplace by partnering with banks and credit unions to make credit more accessible and affordable for all. Through our innovative AI platform, we help our partners achieve higher approval rates and lower loss rates, ensuring that borrowers experience a seamless and instant application process.

As a digital-first organization, Upstart empowers employees to work remotely across the United States, while also fostering strong teamwork in our offices located in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Joining Upstart means becoming part of a mission-driven team focused on facilitating effortless credit access based on true risk assessment. If you're motivated by the chance to make a meaningful impact, we want to hear from you!

The Team:

The Onboarding Experience team is committed to creating a user-friendly loan application journey for our customers. We aim to ensure that borrowers can swiftly and effortlessly complete their loan funding tasks, ultimately driving our growth by enhancing user satisfaction and operational efficiency.

As a Senior Software Engineer on this team, you will collaborate across various functions including Engineering, Product, and Operations, contributing to both ongoing and new projects. Your work will prioritize quality, testability, and maintainability, all while keeping the end users at the forefront.

Your Impact:

Engage in all facets of platform and product development, from web interfaces and third-party API integrations to backend business logic.

Efficiently advance both existing and new projects, always with a focus on user experience.

Make architectural enhancements to bolster software reliability and code maintainability.

Play a key role in building our engineering team culture and ensuring Upstart is a fantastic workplace.

Maintain close communication with cross-functional partners, ensuring stakeholders are well-informed.

Minimum Qualifications:

7+ years of professional experience in software development for scalable public or consumer-facing products, with a strong emphasis on user experience and a product-oriented mindset.

Ability to grasp and articulate complex requirements to both technical and non-technical audiences.

A growth mindset, embracing challenges and eager to explore new technologies.

Strong communication skills, capable of simplifying technical discussions for broader audiences.

A proven track record of mentoring peers and valuing constructive feedback.

Preferred Qualifications:

Experience with full-stack development technologies, particularly Ruby on Rails, React, AWS, Docker, and GitHub Actions using CI/CD methods.

Familiarity with AI/ML model integration, especially in financial contexts.

Background in customer support technology, such as contact center platforms or conversational AI systems.

A proactive, ownership-oriented mindset in decision-making.

Passion for enhancing user experience driven by best practices and metrics.

Comfortable with remote collaboration tools, valuing teamwork through regular synchronous meetings.

Position Location: This position may be performed remotely or in our offices located in San Mateo, Columbus, or Austin.

Travel Requirements: Primarily remote work, with occasional in-person collaboration sessions that occur once or twice a quarter for 2-4 days.

What You'll Love:

Competitive compensation package, including base salary, bonuses, and equity.

Comprehensive medical, dental, and vision coverage with contributions to Health Savings Accounts.

401(k) with 100% company match up to $4,500 and immediate vesting.

Employee Stock Purchase Plan (ESPP).

Life and disability insurance.

Generous leave policies, including holidays, vacations, and parental leave.

Reimbursement programs for wellness, technology, and ergonomic needs.

Opportunities for social engagement through team events, interest groups, and catered meals in the office.

Base Salary Range: $163,600 - $226,400 USD.

Upstart is committed to creating an inclusive environment, ensuring diverse candidates access equitable lending opportunities. We embrace various cultures, backgrounds, and perspectives, knowing that our collective strength enhances our impact.

If you need accommodations during the application or interview process, please reach out to our candidate accommodations team.