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Upstart logo
Upstart

Our mission is to enable effortless credit based on true risk.

Senior Software Engineer – New Product

Full-stack EngineerSoftware EngineerOtherRemoteSeniorTeam 1,001-5,000Since 2012H1B SponsorCompany SiteLinkedIn

Location

United States

Posted

117 days ago

Salary

$142K - $226.4K / year

Seniority

Senior

Job Description

Senior Software Engineer – New Product

Upstart

• Design and build the frontend systems that power a brand-new consumer credit experience. • Develop scalable, distributed services using event-driven architectures to ensure reliability, observability, and long-term maintainability. • Collaborate closely with design and product to translate intent into features that serve millions of consumers. • Drive technical decisions in a zero-to-one product environment, balancing speed with high-quality execution. • Apply AI-native workflows to accelerate development, testing, analysis, and documentation. • Help define engineering best practices and culture within a fast-moving and outcome-driven team.

Job Requirements

  • 4+ years of experience building frontend and backend systems in production, ideally for consumer-facing applications.
  • Strong technical background in distributed systems and event-driven architecture (Kafka, SQS, Kinesis, or similar).
  • Proficiency in object-oriented programming languages (e.g., Java, Kotlin, C#, Python, Ruby) and familiarity with relational databases, APIs, and caching.
  • Demonstrated ability to work autonomously and thrive in ambiguous, early-stage product environments.
  • Deep product sense with a strong focus on end-user experience and outcomes.
  • Familiarity with observability and reliability concepts (metrics, logs, traces, SLOs).
  • Actively uses AI tools in engineering workflows, with strong opinions about the future of AI in software development.
  • Excellent written and verbal communication skills.

Benefits

  • 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!).

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