Engineering Template

About Upstart

At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.

As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.

We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, and New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.

If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.

Upstart’s Borrower Experience (BX) team is responsible for building and evolving the borrower-facing servicing experience across web, mobile, and AI-powered channels. The team focuses on reducing borrower friction, improving payment success, and enabling clear, self-serve paths for borrowers post-origination.

As a Senior Software Engineer, Borrower Experience at Upstart, you will work across full-stack systems and AI-powered surfaces to deliver intuitive borrower experiences. You will lead the design and development of scalable, high-impact solutions that enable borrowers to understand their options and take the right actions while shaping a cohesive and trusted servicing experience.

• Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success
• Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume
• Build and maintain full-stack systems integrating backend services with modern frontend frameworks
• Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes
• Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions
• Contribute to architectural decisions and lead initiatives that unify systems into a cohesive borrower experience

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• 4+ years of professional software engineering experience building scalable web and/or mobile applications
• Proficiency in one or more programming languages and modern development frameworks
• Experience designing and building APIs, microservices, and distributed systems in a cloud environment
• Experience leading projects spanning multiple engineers or systems

• Experience building or integrating LLM-powered or agentic systems
• Familiarity with experimentation platforms and analytics tooling
• Experience developing customer-facing financial or fintech products
• Knowledge of modern frontend frameworks and deployment platforms
• Experience working across multiple teams to deliver cohesive user experiences
• Ability to design systems with reliability, safety, and explainability considerations

This role is available in the following locations:
Remote

As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the…