Note: The job is a remote job and is open to candidates in USA. Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. As a Software Engineer on the Unsecured Installments team, you'll build and improve borrower-facing web experiences while collaborating with product and design teams to enhance the overall borrower journey.
Responsibilities
- Build and maintain borrower-facing web experiences using React and TypeScript, translating designs and product requirements into clean, responsive, accessible interfaces
- Work across the stack to connect frontend experiences to backend services and APIs, contributing to full-stack features that span the borrower journey
- Partner closely with product managers, designers, and backend engineers to scope, build, and ship features that improve borrower flows and reduce friction
- Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's frontend codebase
- Contribute to performance, reliability, and observability of the experiences you own, and help debug and resolve issues across environments
- Support experimentation and iterative improvements to borrower flows, using data and feedback to inform what gets built next
Skills
- Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 4-5+ years of professional software engineering experience
- Strong proficiency building web applications with React and TypeScript, including component design, state management, and consuming REST or GraphQL APIs
- Full-stack experience contributing to backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js
- Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment
- Ability to work effectively with product and design partners to deliver features from requirements through production
- Experience building consumer-facing products with attention to performance, accessibility, and user experience
- Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows
- Exposure to fintech, lending, payments, or other regulated financial products with complex user journeys
- Experience with experimentation, A/B testing, or feature-flagging in production environments
- Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development
- Passion for building products that expand access to credit and improve financial outcomes for consumers
Benefits
- Target bonuses
- Equity compensation
- Generous benefits packages (including medical, dental, vision, and 401k)
- Base pay, bonus opportunities, and annual equity grants that vest quarterly
- Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada)
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only)
- Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
- Health Savings Account contributions from Upstart for eligible plans (US only)
- Income protection benefits, including life insurance and disability coverage for added financial security
- Paid time off, sick leave, and company holidays, in line with local requirements
- Paid family and parental leave to support caregiving and major life moments (duration varies by country)
- Family-centered benefits to support fertility, parenthood, and caregiving needs
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service (US Only)
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company Overview
Company H1B Sponsorship