Senior Software Engineer, Borrower

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. 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, or 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.

As a member of our Borrower Experience team, you will play a pivotal role in ensuring smooth loan management, optimizing collections, and cultivating strong customer relationships. Our team's primary objective is to develop a cutting-edge loan servicing platform, introduce business process automation, enhance efficiency, and deliver an intuitive user experience for both borrowers and internal stakeholders.

In this role, you’ll be at the forefront of designing and developing features that guide borrowers from loan origination through final payment—ensuring transparency, simplicity, and ease at every step. Our team processes millions of dollars in transactions daily, offering a high-impact environment where you can tackle complex challenges and help transform how borrowers interact with their finances. You’ll collaborate with other engineers across all levels and cross-functional teams such as Product, Analytics, and other Servicing engineering teams on a wide range of projects that grow your skills in full stack development, cloud platforms, and financial systems.

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
• Turn team-specific projects into opportunities to up-level the team and the org’s tech platform
• Help us continue building our engineering team and keep Upstart a genuinely awesome place to work

What we’re looking for:

• Minimum requirements:
  • 5+ years of professional software development experience
  • Technical leadership experience with deep understanding of code release, deployment orchestration / rollout mechanisms, logging, instrumentation, monitoring, and alerting in a microservices environment
• Preferred qualifications:
  • Experience designing, developing, and deploying microservices-based applications
  • Strong sense of ownership and accountability for the quality and timely delivery of work
  • Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve
  • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
  • Experience with Ruby on Rails or Kotlin

Position location This role is available in the following locations:
Remote [A specific city/location is not required if the role does not have an in-person requirement]

Time zone requirements The team…