Senior Software Engineer, Mobile

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, 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.

Upstart’s Borrower Experience 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 Mobile Engineer at Upstart, you will help design and build high‑quality mobile applications using React Native. In this role, you will directly influence core servicing metrics such as Adjusted Payment Success Rate, Contact Rate, Borrower Friction/Satisfaction, and Loan Performance. You will also collaborate closely with product managers, designers, and backend engineers to deliver mobile features that delight users and align with company goals.

• Build and maintain user‑facing features in our React Native mobile apps across iOS and Android.
• Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms.
• Collaborate with product and design teams to scope, implement, and launch features that align with user and business needs.
• Work with backend engineers to define mobile‑specific APIs and improve client‑server integration patterns.
• Identify and resolve performance or reliability issues in the mobile experience.
• Participate in code reviews, architecture discussions, and technical planning to raise engineering quality across the team.
• Support a strong mobile engineering culture through mentorship, collaboration, and a focus on continuous improvement.

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) and 4 years of experience.
• Have experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective‑C for iOS or Kotlin/Java for Android).
• Understand mobile performance, memory management, and platform‑specific constraints.
• Communicate effectively with cross‑functional partners in product, design, and backend engineering.
• Take ownership of your work and are comfortable delivering complex features from planning through release.
• Balance speed and quality, and advocate for maintainable, scalable engineering solutions.
• Contribute to team culture and engineering practices through feedback, mentoring, and collaboration.
• Embrace a growth mindset and enjoy learning from others while helping teammates grow.

• Have helped launch or scale a React Native app on the Android platform.
• Have experience with mobile analytics,…