• Provides technical leadership and mentorship to development teams, ensuring alignment with the organization’s vision, mission, and strategic objectives. • Actively participates in and reviews project plans, solution designs, and other critical artifacts to guide the delivery of complex, custom-developed solutions. • Participates in project requirements review meetings and conducts thorough analysis of business requirements to ensure accurate understanding and alignment. • Develops detailed low-level designs and contributes to the overall vision of solution artifacts. • Engages in daily stand-up meetings with business stakeholders and development teams as part of the agile process, providing regular updates on progress and addressing any issues related to ongoing development activities. • Collaborates with team members to track and plan agile work supporting core cloud development. • Collaborates with cross-functional teams—including front-end, back-end, and infrastructure groups—to deliver high-quality solutions. • Partners with internal architecture and other enterprise teams to ensure a resilient, state-of-the-art cloud environment for a high-profile enterprise application(s). • Develops and delivers proofs-of-concept (POCs) and sample implementations for widespread adoption within agile teams. • Works with senior leadership to influence project timelines, deliverables, and strategic direction. • Utilizes AI tools to accelerate code scaffolding, test automation, migrations, and documentation.

• Design innovative architectures and software designs for cloud applications • Independently manage projects through the development lifecycle • Analyze requirements and create solution concepts • Serve as technical project lead and define work packages for developers • Actively contribute to implementation with deep knowledge of the solution concepts • Advance software development in areas such as Cloud Services, Machine Learning/AI, or IoT • Stay up to date with technology trends and pursue continuous personal development

• Design of architectures and software design for demanding web applications • Independent oversight of projects throughout their development • Analysis of requirements and development of compelling solution concepts • Precise translation into technical specifications • Definition of work packages for developers within agile projects • Support of implementation with expert guidance • Advancement of software development through new topics such as Cloud Services, Machine Learning/AI or IoT • Continuous personal development on technological trends

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. The Team: Upstart’s Auto Refi + Auto Secured Personal Loans team is responsible for scaling our auto refinance and auto secured personal loan products. Our highly collaborative team is focused on increasing conversion by eliminating friction for our customers while continuously improving the quality of our product. We work iteratively to provide fast feedback loops so that we can apply new learnings quickly. As a Senior Software Engineer on the team, you will work closely with cross-functional partners to execute projects across the whole stack. You’re a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You may currently specialize on the backend or frontend, but you're looking to get your hands into both areas of the stack. You're eager to learn and grow as an individual and a leader and enjoy helping your team do the same. How you’ll make an impact - Lead successful projects working collaboratively with engineering team members and cross-functional partners. - Make thoughtful architectural decisions to improve the quality of our software - Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics - Collaborate with stakeholders to find solutions to our most challenging problems Minimum Qualifications - Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience - Strong focus on full-stack development, distributed systems, and APIs - Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python - Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment - Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar) - Familiarity with database technologies such as SQL and data warehousing solutions - Good communication and teamwork skills, with the ability to work effectively with cross-functional teams - Preferred Qualifications - Excellent written and verbal communication. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you’ll need to tailor your communication style to fit these different audiences’ needs. - Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction. - Comfortable challenging authority. We want engineers who can push back on their managers when they think we’re going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one. - Preference for face-time and synchronous collaboration. We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role. Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin Time Zone Requirements - This team operates across all U.S. time zones. Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses. #LI-REMOTE #LI-Associate At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote - Anticipated Base Salary Range $166,900—$230,900 USD What you'll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: - Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly - Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees - 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!). Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com https://www.upstart.com/candidate_privacy_policy