• Lead the design and development of full-stack systems that power new engagement experiences such as credit health monitoring, financial wellness tools, and gamified features. • Architect and build scalable microservices and event-driven systems (e.g., Kafka-based streams) to ingest, process, and surface user credit and financial data in real time. • Partner closely with Product, Product Marketing, and Design to translate ambiguous 0→1 concepts into robust, user-facing features that drive repeat engagement and long-term customer value. • Collaborate with Legal and Compliance to ensure new features meet regulatory and data governance requirements. • Optimize and experiment on key user surfaces—supporting A/B testing, iteration, and performance improvements across authenticated and unauthenticated experiences. • Contribute to the long-term vision of Upstart’s credit health and financial wellness ecosystem, including features that help users understand and improve the factors that influence their credit and borrowing power. • Help scale production systems across the stack, improving reliability, observability, and performance as adoption grows.

• Pioneer AI-driven solutions that enhance our care navigation and PBM services, directly improving healthcare outcomes for our members • Lead rapid prototyping cycles, transforming concepts into production features within days or weeks, not months • Architect and implement full-stack solutions using our modern tech stack (Node.js, React, TypeScript, Ruby, GraphQL, Postgres) • Drive technical decisions independently while collaborating with cross-functional teams to ensure alignment with business goals • Build and maintain scalable, production-grade systems that handle sensitive healthcare data with reliability and security • Establish technical standards and best practices for AI integration across the platform • Mentor team members and contribute to our engineering culture of innovation and excellence

• Contribute directly to company growth in new areas as we explore partnerships outside of Airbnb. • Lead projects end-to-end – from working with partners directly, to clicking that launch button. • Identify patterns that allow us to scale new partnerships quickly in the future. • Have attention to detail about the user experience. • Design, write and test new APIs and integrations with partners. • Write documents to propose, align and document changes to the system. • Debug external integrations and join the team on-call rotation. • Collaborate with cross-functional partners such as Product, Program, Design and Engineers, and directly with external partners. • Provide input in team roadmap and technical direction. • Build large scale backend solutions that are efficient, reliable, performant and scalable.

• Create and deliver new web experiences for OfferUp using web technologies such as NodeJS, React, and React Native. • Design, develop, and maintain robust and scalable backend services and APIs to power features across web and mobile platforms. • Work collaboratively with cross-functional teams across OfferUp to design and implement new features. • Enforce best practices and drive code quality in existing applications (mobile and web). • Break down complex engineering problems into achievable tasks and deliver them within committed timeframes. • Actively participate in code reviews. • Coach/Mentor junior team members, new hires, or interns. • Create shared components and utilities that improve team velocity.