Upstart · 8 hours ago
Senior Software Engineer, Home Lending
United States
Full-time
Remote
Senior Level
$164K/yr - $226K/yr
5+ years expUpstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. They are seeking a Senior Software Engineer to lead projects and contribute to the development of innovative home lending products, leveraging technology to improve access to credit for underserved customers.
Artificial Intelligence (AI)AutomotiveConsumer LendingCreditFinancial ServicesFinTechLendingMachine LearningPersonal Finance
Responsibilities
Lead successful cross-team and/or multi-quarter, multi-engineer projects
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
Know the product as well as the EM and PM and contribute to the product vision/strategy
Propose and deliver new ideas that achieve meaningful improvements to our team’s business metrics
Contribute in a meaningful way to quality improvements within our team
Qualification
Required
5+ years professional experience in fullstack software
3+ years proficiency in Kotlin, Java, or C#
Some hands-on experience with a JavaScript framework like React
Some hands-on experience with SQL databases and domain modeling
Preferred
Excellent written and verbal communication
Preference for face-time and synchronous collaboration
Enthusiasm for non-coding responsibilities
Comfortable challenging authority
Benefits
Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart
Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
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
Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Health Savings Account contributions from Upstart for eligible plans
Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
Paid time off, sick and safe time, and company holidays
Paid family and parental leave to support caregiving and major life moments
Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
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
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 and onsites, all-company updates, and employee resource groups (ERGs)
Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)
Company
Upstart
Upstart (NASDAQ: UPST) is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit.
1001-5000 employees
H1B Sponsorship
Upstart has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (68)
2024 (67)
2023 (85)
2022 (85)
2021 (42)
2020 (15)
Funding
Current Stage
Public CompanyTotal Funding
$3.36BKey Investors
CastlelakeProgressiveRakuten
2025-11-06Post Ipo Debt· $1.5B
2025-09-05Post Ipo Debt· $320M
2025-08-12Post Ipo Debt· $600M
Leadership Team
Dave Girouard
Founder & CEO
Paul Gu
Co-Founder
Recent News
The Motley Fool
2026-01-23
Business Wire
2026-01-22
The Motley Fool
2026-01-03
Company data provided by crunchbase