Job Closed

This listing is no longer active.

Upstart logo
Upstart

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

Software Engineer, Borrower Experience

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

Location

United States

Posted

59 days ago

Salary

$142K - $196.6K / year

Seniority

Senior

Bachelor Degree3 yrs expEnglishCloudDistributed SystemsMicroservices

Job Description

Software Engineer, Borrower Experience

Upstart

• Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success • Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume • Build and maintain full-stack systems integrating backend services with modern frontend frameworks • Drive experimentation through A/B testing, analytics, and observability tools to improve borrower outcomes • Partner with Product, Design, Analytics, and Engineering to deliver high-quality solutions • Contribute to architectural decisions that unify systems into a cohesive borrower experience

Job Requirements

  • Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience
  • 3+ years of professional software engineering experience building scalable web and/or mobile applications
  • Proficiency in one or more programming languages and modern development frameworks
  • Experience designing and building APIs, microservices, and distributed systems in a cloud environment
  • Experience delivering projects spanning multiple systems or engineers
  • Experience building or integrating LLM-powered or agentic systems (Preferred)
  • Familiarity with experimentation platforms and analytics tooling (Preferred)
  • Experience developing customer-facing financial or fintech products (Preferred)
  • Knowledge of modern frontend frameworks and deployment platforms (Preferred)
  • Experience working across multiple teams to deliver cohesive user experiences (Preferred)
  • Ability to design systems with reliability, safety, and explainability considerations (Preferred).

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!).

Related Job Pages

More Full-stack Engineer Jobs

About Etera Etera is building the first AI-native corporate travel platform for the GCC market — designed from the ground up for how businesses in the region actually operate. We're a lean, high-conviction team replacing legacy TMCs with autonomous agents, real-time inventory, and a product experience that doesn't feel like it was designed in 2009. The Role We're looking for a Senior AI Fullstack Engineer who can own the full stack — from a smooth React Native mobile experience to TypeScript backend services and the AI/LLM layer that powers our multi-agent infrastructure (OPUS Prime). If you think in systems, ship fast, and find it natural to reason about both user-facing product and underlying model behavior, this role was built for you. What You'll Own - Mobile-first product: Build and maintain Etera's React Native app (Expo/TypeScript) — booking flows, real-time updates, multilingual UX (Arabic/English). - Backend services: Design and extend our TypeScript backend, including booking APIs, supplier integrations (PKfare, RateHawk, Hotelbeds), and webhook orchestration. - LLM integration: Work directly with Claude (Anthropic API) and our multi-agent OPUS Prime system — building, tuning, and extending AI pipelines for travel intent detection, QA, and automated engineering reports. - End-to-end delivery: Take features from spec to production. Own the full lifecycle — architecture, implementation, testing, deployment. - Infra & reliability: Firebase Auth (OTP, Apple, Google), EAS Build/TestFlight pipelines, and CI/CD hygiene across the stack. - Code quality: Participate in security audits and peer review within a small, high-trust engineering team. Tech Stack Frontend / Mobile: React Native + Expo, TypeScript, Firebase Auth (OTP, Apple, Google), EAS Build / TestFlight, Native iOS/Android context. Backend / AI: TypeScript (end-to-end), Anthropic API / Claude, Mastra (agent orchestration framework), LangChain (chains, tools, memory), Zeabur / cloud deployment, REST + Webhook integrations. You've Built and Run Agent Teams. Plural. This is not a role for someone who has experimented with LLMs on side projects. We're looking for engineers who have designed, shipped, and actively maintained multi-agent systems — and who understand what it takes to keep them reliable in production. - Proven agent team ownership: You have built one or more autonomous agent teams from scratch — defined their scope, wired their tools, managed inter-agent communication, and own their continued operation. - Self-validating mindset: You don't hand off agent output blindly. You act as the primary validation layer for the systems you build — designing evaluation criteria, catching failure modes, and iterating on agent behavior based on real output quality. - Cross-domain fluency: Your agents have touched multiple domains — not just one narrow use case. You can reason about agent behavior across booking logic, data quality, QA pipelines, code review, or content generation without needing a specialist in each area. - Maintenance discipline: You have a track record of keeping agent systems healthy over time — prompt drift, tool failures, context window management, regression testing. Not just shipping and moving on. - Full-stack integration: You connect agent teams to real product surfaces — not just notebooks or internal tools. Your work shows up in APIs, mobile interfaces, or backend workflows that real users depend on.

Switzerland
Job Closed

About Etera Etera is building the first AI-native corporate travel platform for the GCC market — designed from the ground up for how businesses in the region actually operate. We're a lean, high-conviction team replacing legacy TMCs with autonomous agents, real-time inventory, and a product experience that doesn't feel like it was designed in 2009. The Role We're looking for a Senior AI Fullstack Engineer who can own the full stack — from a smooth React Native mobile experience to TypeScript backend services and the AI/LLM layer that powers our multi-agent infrastructure (OPUS Prime). If you think in systems, ship fast, and find it natural to reason about both user-facing product and underlying model behavior, this role was built for you. What You'll Own - Mobile-first product: Build and maintain Etera's React Native app (Expo/TypeScript) — booking flows, real-time updates, multilingual UX (Arabic/English). - Backend services: Design and extend our TypeScript backend, including booking APIs, supplier integrations (PKfare, RateHawk, Hotelbeds), and webhook orchestration. - LLM integration: Work directly with Claude (Anthropic API) and our multi-agent OPUS Prime system — building, tuning, and extending AI pipelines for travel intent detection, QA, and automated engineering reports. - End-to-end delivery: Take features from spec to production. Own the full lifecycle — architecture, implementation, testing, deployment. - Infra & reliability: Firebase Auth (OTP, Apple, Google), EAS Build/TestFlight pipelines, and CI/CD hygiene across the stack. - Code quality: Participate in security audits and peer review within a small, high-trust engineering team. Tech Stack Frontend / Mobile: React Native + Expo, TypeScript, Firebase Auth (OTP, Apple, Google), EAS Build / TestFlight, Native iOS/Android context. Backend / AI: TypeScript (end-to-end), Anthropic API / Claude, Mastra (agent orchestration framework), LangChain (chains, tools, memory), Zeabur / cloud deployment, REST + Webhook integrations. You've Built and Run Agent Teams. Plural. This is not a role for someone who has experimented with LLMs on side projects. We're looking for engineers who have designed, shipped, and actively maintained multi-agent systems — and who understand what it takes to keep them reliable in production. - Proven agent team ownership: You have built one or more autonomous agent teams from scratch — defined their scope, wired their tools, managed inter-agent communication, and own their continued operation. - Self-validating mindset: You don't hand off agent output blindly. You act as the primary validation layer for the systems you build — designing evaluation criteria, catching failure modes, and iterating on agent behavior based on real output quality. - Cross-domain fluency: Your agents have touched multiple domains — not just one narrow use case. You can reason about agent behavior across booking logic, data quality, QA pipelines, code review, or content generation without needing a specialist in each area. - Maintenance discipline: You have a track record of keeping agent systems healthy over time — prompt drift, tool failures, context window management, regression testing. Not just shipping and moving on. - Full-stack integration: You connect agent teams to real product surfaces — not just notebooks or internal tools. Your work shows up in APIs, mobile interfaces, or backend workflows that real users depend on.

Germany
Job Closed

About Etera Etera is building the first AI-native corporate travel platform for the GCC market — designed from the ground up for how businesses in the region actually operate. We're a lean, high-conviction team replacing legacy TMCs with autonomous agents, real-time inventory, and a product experience that doesn't feel like it was designed in 2009. The Role We're looking for a Senior AI Fullstack Engineer who can own the full stack — from a smooth React Native mobile experience to TypeScript backend services and the AI/LLM layer that powers our multi-agent infrastructure (OPUS Prime). If you think in systems, ship fast, and find it natural to reason about both user-facing product and underlying model behavior, this role was built for you. What You'll Own - Mobile-first product: Build and maintain Etera's React Native app (Expo/TypeScript) — booking flows, real-time updates, multilingual UX (Arabic/English). - Backend services: Design and extend our TypeScript backend, including booking APIs, supplier integrations (PKfare, RateHawk, Hotelbeds), and webhook orchestration. - LLM integration: Work directly with Claude (Anthropic API) and our multi-agent OPUS Prime system — building, tuning, and extending AI pipelines for travel intent detection, QA, and automated engineering reports. - End-to-end delivery: Take features from spec to production. Own the full lifecycle — architecture, implementation, testing, deployment. - Infra & reliability: Firebase Auth (OTP, Apple, Google), EAS Build/TestFlight pipelines, and CI/CD hygiene across the stack. - Code quality: Participate in security audits and peer review within a small, high-trust engineering team. Tech Stack Frontend / Mobile: React Native + Expo, TypeScript, Firebase Auth (OTP, Apple, Google), EAS Build / TestFlight, Native iOS/Android context. Backend / AI: TypeScript (end-to-end), Anthropic API / Claude, Mastra (agent orchestration framework), LangChain (chains, tools, memory), Zeabur / cloud deployment, REST + Webhook integrations. You've Built and Run Agent Teams. Plural. This is not a role for someone who has experimented with LLMs on side projects. We're looking for engineers who have designed, shipped, and actively maintained multi-agent systems — and who understand what it takes to keep them reliable in production. - Proven agent team ownership: You have built one or more autonomous agent teams from scratch — defined their scope, wired their tools, managed inter-agent communication, and own their continued operation. - Self-validating mindset: You don't hand off agent output blindly. You act as the primary validation layer for the systems you build — designing evaluation criteria, catching failure modes, and iterating on agent behavior based on real output quality. - Cross-domain fluency: Your agents have touched multiple domains — not just one narrow use case. You can reason about agent behavior across booking logic, data quality, QA pipelines, code review, or content generation without needing a specialist in each area. - Maintenance discipline: You have a track record of keeping agent systems healthy over time — prompt drift, tool failures, context window management, regression testing. Not just shipping and moving on. - Full-stack integration: You connect agent teams to real product surfaces — not just notebooks or internal tools. Your work shows up in APIs, mobile interfaces, or backend workflows that real users depend on.

Ireland
Job Closed

About Etera Etera is building the first AI-native corporate travel platform for the GCC market — designed from the ground up for how businesses in the region actually operate. We're a lean, high-conviction team replacing legacy TMCs with autonomous agents, real-time inventory, and a product experience that doesn't feel like it was designed in 2009. The Role We're looking for a Senior AI Fullstack Engineer who can own the full stack — from a smooth React Native mobile experience to TypeScript backend services and the AI/LLM layer that powers our multi-agent infrastructure (OPUS Prime). If you think in systems, ship fast, and find it natural to reason about both user-facing product and underlying model behavior, this role was built for you. What You'll Own - Mobile-first product: Build and maintain Etera's React Native app (Expo/TypeScript) — booking flows, real-time updates, multilingual UX (Arabic/English). - Backend services: Design and extend our TypeScript backend, including booking APIs, supplier integrations (PKfare, RateHawk, Hotelbeds), and webhook orchestration. - LLM integration: Work directly with Claude (Anthropic API) and our multi-agent OPUS Prime system — building, tuning, and extending AI pipelines for travel intent detection, QA, and automated engineering reports. - End-to-end delivery: Take features from spec to production. Own the full lifecycle — architecture, implementation, testing, deployment. - Infra & reliability: Firebase Auth (OTP, Apple, Google), EAS Build/TestFlight pipelines, and CI/CD hygiene across the stack. - Code quality: Participate in security audits and peer review within a small, high-trust engineering team. Tech Stack Frontend / Mobile: React Native + Expo, TypeScript, Firebase Auth (OTP, Apple, Google), EAS Build / TestFlight, Native iOS/Android context. Backend / AI: TypeScript (end-to-end), Anthropic API / Claude, Mastra (agent orchestration framework), LangChain (chains, tools, memory), Zeabur / cloud deployment, REST + Webhook integrations. You've Built and Run Agent Teams. Plural. This is not a role for someone who has experimented with LLMs on side projects. We're looking for engineers who have designed, shipped, and actively maintained multi-agent systems — and who understand what it takes to keep them reliable in production. - Proven agent team ownership: You have built one or more autonomous agent teams from scratch — defined their scope, wired their tools, managed inter-agent communication, and own their continued operation. - Self-validating mindset: You don't hand off agent output blindly. You act as the primary validation layer for the systems you build — designing evaluation criteria, catching failure modes, and iterating on agent behavior based on real output quality. - Cross-domain fluency: Your agents have touched multiple domains — not just one narrow use case. You can reason about agent behavior across booking logic, data quality, QA pipelines, code review, or content generation without needing a specialist in each area. - Maintenance discipline: You have a track record of keeping agent systems healthy over time — prompt drift, tool failures, context window management, regression testing. Not just shipping and moving on. - Full-stack integration: You connect agent teams to real product surfaces — not just notebooks or internal tools. Your work shows up in APIs, mobile interfaces, or backend workflows that real users depend on.

Canada
Job Closed