Columbus, United States of America Hybrid Full-time $142,000—$196,600 USD

Upstart is hiring a Software Engineer, Borrower Experience

About the Role

What You'll Do

Engineer intuitive, full-stack borrower experiences across web and mobile platforms, leveraging AI to improve self-service efficiency and payment outcomes. Translate complex servicing workflows into simple, scalable interfaces that reduce reliance on manual support. Develop and maintain integrated systems that connect backend services with modern frontend frameworks, ensuring seamless user journeys.

Lead experimentation initiatives using A/B testing, analytics, and observability tools to measure and enhance borrower engagement. Work closely with Product, Design, and Analytics teams to define and deliver high-impact features. Contribute to architectural decisions that align distributed systems into a unified, reliable experience for borrowers.

Requirements

  • Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field (or equivalent experience) plus three years in software development
  • Minimum of three years building scalable web or mobile applications in a professional setting
  • Proficiency in one or more programming languages and modern development frameworks
  • Proven experience designing APIs, microservices, and distributed systems in cloud environments
  • Track record of delivering projects that span multiple systems or engineering teams

Preferred Qualifications

  • Experience with LLM-powered or agentic systems
  • Familiarity with analytics platforms and experimentation tools
  • Background in fintech or customer-facing financial products
  • Knowledge of modern frontend frameworks and deployment infrastructure
  • Ability to collaborate across disciplines to deliver cohesive user experiences
  • Experience designing systems with reliability, safety, and explainability in mind

Benefits

  • Competitive base salary with bonus potential and annual equity grants that vest quarterly
  • 401(k) plan with 2:1 company match up to $15,000 annually
  • Employee Stock Purchase Plan (ESPP) with discounted pricing
  • Comprehensive medical, dental, and vision plans—company covers 90% to 100% of premiums
  • Employer contributions to Health Savings Accounts for qualifying plans
  • Income protection including life, AD&D, and short- and long-term disability insurance
  • Generous paid time off, sick leave, and company holidays
  • Paid family and parental leave
  • Support for fertility, parenting, and caregiving through Carrot and Cleo
  • Mental health and life resources via Employee Assistance Program (EAP)
  • Access to financial planning tools and a financial concierge service
  • Annual wellness and productivity allowances
  • Team events, company-wide updates, and employee resource groups
  • Onsite perks
Required Skills
APIsmicroservicesdistributed systemscloud environmentmodern frontend frameworksA/B testinganalytics toolsobservability toolsLLM-powered systemsagentic systemsscalable web applicationsmobile applicationsprogramming languagessoftware engineeringproject delivery APIsmicroservicesdistributed systemscloud environmentmodern frontend frameworksA/B testinganalytics toolsobservability toolsLLM-powered systemsagentic systemsscalable web applicationsmobile applicationsprogramming languagessoftware engineeringproject delivery
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About company
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.
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Job Details
Department Engineering
Category fullstack
Posted 7 days ago