Senior Software Engineer, Small Dollar Loan (web + mobile)



Software Engineering
United States · Remote
Posted on Tuesday, July 9, 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 Small Dollar Loan team aims to put an end to payday lending by using superior AI and automation to drive down the cost of lending small dollar amounts over short periods of time. Did you know that 49% of Americans don’t have the cash reserves to cover a $400 emergency and traditional payday lenders can charge up to 400% APRs? At Upstart we took a first principles approach to providing borrowers small loan amounts, $250-$2,500, over short periods of time, 3-18 months, with an affordable APR, up to 36%. The Small Dollar Loan team is looking for an engineer passionate about making a difference in the lives of millions of Americans every day!

As a Senior Engineer at Upstart with mobile experience, you will build features which engage our borrowers where they are, on mobile devices and the web. You will lead projects which align the Upstart mobile strategy with the Small Dollar Loan strategy. You will help move the Upstart Mobile platform forward, adding more capabilities to allow all Upstart verticals to build mobile features. This role will report directly to the Director of Engineering for Small Dollar Loans.

How you’ll make an impact:

  • Build high quality mobile and web features for the Small Dollar Loans product to engage and delight our customers
  • Lead projects from requirements, through design, and into the hands of our customers
  • Mentor other engineers
  • Collaborate with other engineers on developing northstar designs and engineering strategy
  • Review code from other engineers within the team and across Upstart

What we’re looking for:

  • Minimum requirements:
    • 5+ years of experience developing full stack web applications professionally
    • 1+ years of experience developing mobile applications professionally
    • Proficiency with either Kotlin, Ruby on Rails, or Python and at least one other programming language
    • Proficiency with React
    • Solid grasp of software development principles and best practices for creating scalable and maintainable systems
    • Proven ability to effectively analyze and solve complex problems
  • Preferred qualifications:
    • Experience with React Native
    • Experience with Kotlin, Ruby, AWS, UI development, and Databricks
    • Experience with Next.js and Vercel
    • Strong sense of ownership and accountability for the quality and timely delivery of work
    • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
    • Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve

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