Senior Software Engineer, Agent Experience



Software Engineering
United States · Remote
Posted on Thursday, May 30, 2024

About Upstart

Upstart is a 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 two-thirds of Upstart loans are approved instantly and are fully automated.

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; and Austin, Texas.

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 Servicing Vertical is responsible for managing the entire lifecycle of each loan, ensuring an exceptional experience for our borrowers. The newly formed Agent Experience engineering squad is a team focused on enhancing the experience of our 500 agents who use our products to provide a seamless borrower experience and an effortless payment process. The impact of our applications is significant: Every hour of an agent's work contributes approximately $100 to Upstart's loan portfolio, resulting in an annual impact of over $100 million.

As a Senior Software Engineer on our Agent Experience team, you’ll lead projects focused on the delivery of quality, testable, resilient, and maintainable full stack web applications. You’ll work closely with cross-functional partners in product, operations, design, analytics to identify areas for improvement, optimize our agent’s workflows, integrate new systems, and design scalable applications that deliver exceptional service to our borrowers.

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin

Time Zone Requirements - This team operates on all US 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.

How you’ll make an impact:

  • Lead successful cross-team and/or multi-quarter, multi-engineer projects
  • Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind
  • Proactively search out ways to expand impact that extends well beyond the Jira board
  • Provide leadership experience with code release process, deployment orchestration / rollout mechanisms, logging, instrumentation, monitoring, and alerting in a microservices environment
  • Autonomously analyze and solve complex problems related to agent and borrower experience

What we’re looking for:

  • Minimum requirements:
    • 6+ years of professional experience as a full-stack engineer
    • 4+ years of professional experience developing customer facing web applications and/or in a product facing position
    • Proficiency in one or more programming languages and some hands-on experience with a JavaScript framework, such as React. We primarily use Ruby (Rails) and Kotlin, but are open to experience with different stacks
    • Experience in a tech lead type of role, leading significant projects (3+ months) and driving technical decisions
  • Preferred qualifications:
    • Experience with designing, developing, and deploying microservices-based applications.
    • Prior experience or demonstrated enthusiasm for working on internal tools with direct access to your users
    • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics.
    • Experience with Ruby on Rails and React or NextJS

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



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).

United States | Remote - Anticipated Base Salary Range
$160,400$222,000 USD

Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together.

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 candidate_accommodations@upstart.com