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: The Conversion Engineering team sits at the intersection of product performance and business growth at Upstart. We are responsible for optimizing how borrowers move through the application journey—from rate check to funding—directly impacting Conversion Rate, one of the company’s most important operating metrics and a key driver of revenue. As a Software Engineer on the Conversion Engineering team, you will play a critical role in building and evolving the core borrower experiences that drive ~80% of company revenue. You’ll work on highly visible, user-facing systems such as the funding form and got rate page, helping to shape both the technical direction and execution of key initiatives. Our team builds and iterates on high-impact experiences while partnering closely with Product, Design, and Machine Learning to launch new product flows, ship model upgrades, and continuously test and personalize borrower journeys. This is a high-impact team with ambitious goals and significant headcount growth planned. How you’ll make an impact - Deliver critical user-facing features that improve loan application and rate check experiences—directly driving improvements in conversion and funding form submission metrics. - Maintain full-stack web applications through monitoring of key system metrics such as latency and error rates at scale - Help define and build the next-generation, platform funding form that supports multiple products, contributing to architectural direction and long-term scalability. - Strengthen engineering excellence by improving system performance, reliability, and on-call health for the features you build and own. Minimum Qualifications - Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience - Experience delivering end-to-end features across frontend and backend systems, including APIs and microservices. - Strong frontend development experience building customer-facing web applications with a focus on performance, usability, and experimentation. - Experience working in cross-functional environments with Product, Design, and other engineering teams. Preferred Qualifications - Experience improving conversion funnels or other high-scale, metrics-driven user journeys through experimentation (e.g., A/B testing, personalization). - Experience operating in a microservices-based architecture. - Experience in fintech or other highly regulated, high-availability environments. Position location This role is available in the following locations: Remote Time zone requirements The team operates on the East/West coast time zones. Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE 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 $142,000—$196,600 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 - Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada) - Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only) - Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada. - Health Savings Account contributions from Upstart for eligible plans (US only) - Income protection benefits, including life insurance and disability coverage for added financial security - Paid time off, sick leave, and company holidays, in line with local requirements - Paid family and parental leave to support caregiving and major life moments (duration varies by country) - Family-centered benefits to support fertility, parenthood, and caregiving needs - 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 (US Only) - 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, all-company updates, and employee resource groups (ERGs) - Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!) For roles based in Canada, please note that we are not currently able to hire in Quebec. 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

• Work closely with the development team and stakeholders to design, develop, test and maintain flexible and scalable solutions based on internal Puzzle and client needs. • Develop, maintain and performance-tune SQL server databases, write complex queries and stored procedures. • Develop, troubleshoot, debug, and optimize APIs for performance and reliability. • Collaborate with cross-functional teams to gather requirements, understand workflows, and ensure that designs meet business and technical needs. • Continuously improve API performance, scalability, and code quality through testing, monitoring, and optimization. • Write clean, efficient, and maintainable code that adheres to best practices and coding standards. • Stay current with relevant emerging technologies, frameworks, and best practices, continuously enhancing skills and applying new knowledge to improve product performance and security.

Role Description Robust Open Online Safety Tools (ROOST) is seeking software engineers to join our team in building open source trust and safety tools. This role will primarily focus on the ROOST project Coop. We are looking for a software engineer who can work with the ROOST team, users, and community contributors to collaboratively identify and design priority features and changes, and take significant responsibility in implementing that work. Coop is a multi-faceted, critical safety tool used by teams ranging from single-digit organizations to large platforms, with a range of technical skills in its user base. This role will need to be highly user-oriented and empathetic; it is well suited to candidates with product engineering experience. This is a high-ownership role; you will be the person who knows the codebase deeply, understands the user base thoroughly, and who other contributors and adopters look to for technical guidance. Responsibilities follow the full software lifecycle, from evolving the architecture as the project grows, designing new capabilities, reviewing community contributions, to maintaining code quality and security. If you are passionate about online safety, excited about the open source mission, and able to work well across teams, this is the role for you. Key Responsibilities - Participate in the full development lifecycle of Coop: design, implementation, testing, documentation, and release - Implement new features prioritized by community feedback, emerging challenges in online safety, and ROOST's roadmap - Participate in release milestone planning and release management - Independently identify and propose changes and improvements for the project, and work directly with users and community members to generate feedback and consensus - Feature and change work may look like: - Maintaining and evolving Coop's backend API server, GraphQL layer, and database support - Improve the UI interface human reviewers use for queuing, content review, and decision making - Expand the signals pipeline and content detection integrations to support new services with faster user onboarding - Design and implement an expanded selection of detection models with “drag and drop” style ease - Coordinating with industry stakeholders and users, evolve the NCMEC reporting workflow and other reporting requirement features to produce actionable, effective reporting - Design and develop features for providing reviewers enhanced information for decision making - Own and implement best practices for Coop's code quality and stability, including system health checks with CI/CD, test suites, and observability - Working with the Technical Design Committee and ROOST team, maintain strong security practices across the project development platform (eg GitHub) - Review and merge Pull Requests and triage and respond to Issues from community contributors, acting as both a technical leader and a welcoming ambassador of the project - Write and maintain developer documentation as needed - Engage with the ROOST community across GitHub, Discord, and Working Group meetings - Communicate with the ROOST community and stakeholders with kindness, respect, and professionalism Qualifications - Must-have: - Strong abilities in TypeScript or Javascript, and comfortable working across other technologies in the ROOST stack such as React - Minimum of 3-5 years of experience in software design and development and at least 1-2 years of experience building user-facing applications - Experience working with databases such as Postgres and ClickHouse - Exhibits attention to detail in focusing on reliability, scalability, security, and continuous improvement - Strong user empathy and experience interacting directly with a variety of external users - Proven record of working with disparate teams and individuals, understanding issues, and making decisions and communicating them transparently - Nice-to-have: - Experience writing clear, tested production-quality code in an open source project - Prior contributions to multi-contributor open source projects - Experience with observability and or audit logging with tools such as OpenTelemetry - Experience building containerized, easily-deployed applications - Experience working in trust and safety, particularly child safety and child sexual abuse material (CSAM) reporting - Experience in startups, non-profits and/or small team environments - (Note: If you do not have prior trust and safety experience, please ensure you are comfortable working with this subject matter before applying.) Benefits - Premium health, dental, and vision coverage for employee and dependents - 401(k) with matching - PTO - Remote-first work environment with flexible hours Compensation and Structure This is a full time position reporting to the Chief Operating Officer, and collaborating closely with ROOST's Head of Product. ROOST is a remote organization with global hiring flexibility; this role will be expected to work a portion of hours overlapping with North American time zones. ROOST aims to offer competitive compensation based on candidates' experience and their regional market. In the US, the compensation range is $160,000 - 290,000 USD. This role may be eligible for a performance-based bonus. How to Join Us Please upload your resume along with a cover letter sharing why ROOST's mission resonates with you and how your experience could help us advance it. Due to the volume of spam applications, we strongly recommend applicants include their LinkedIn, GitHub, or other referenceable profile in their cover letter or resume. ROOST is committed to building a team that reflects the diversity of communities we aim to serve. We especially encourage applications from people whose perspectives are traditionally underrepresented in technology.

• Lead and drive large, complex projects from conception to delivery, working closely with Product Managers, Designers, and engineering teams across multiple pods. • Write clean, reusable, and maintainable code across the full technology stack with a focus on security, scalability, efficiency, and sustainability. • Lead technical discussions with Product and Design teams to architect solutions that align with business objectives and long-term technical strategy. • Create and maintain comprehensive technical documentation, including system architecture designs, API contracts, and technical roadmaps. • Lead code reviews and provide technical guidance to engineers across teams, ensuring adherence to engineering best practices and architectural patterns. • Define, evolve, and champion coding standards, best practices, and design principles across the engineering organization. • Proactively identify and resolve performance bottlenecks and system reliability issues, implementing solutions that improve DORA metrics. • Research and evaluate emerging technologies, making informed recommendations on adoption and integration into the platform. • Serve as a technical mentor and force multiplier for engineers across multiple teams, fostering a culture of continuous learning, quality, and technical excellence. • Drive and lead architectural discussions, contributing to strategic technical roadmaps and platform evolution. • Solve highly complex technical challenges spanning performance, scalability, security, and system design across multiple domains. • Partner closely with Product teams to design features from concept through production, including instrumentation, observability, monitoring, and iterative improvement based on customer feedback and usage patterns. • Lead initiatives to improve developer experience, including tooling enhancements, CI/CD optimization, infrastructure improvements, and onboarding processes. • Collaborate with stakeholders, c-suite, and cross-functional teams to ensure engineering solutions deliver exceptional business value and user experience. • Champion shipping in small, complete vertical slices- supported by trunk-based development and feature flags- over large, risky releases. • Lead incident response efforts and champion a culture of accountability, shared ownership, and continuous improvement through participation in incident reviews and reliability initiatives.