Mobile Software Engineer

Upstart is a pioneering AI-driven lending marketplace committed to transforming the landscape of consumer credit. Our mission is to significantly reduce the cost and complexity of borrowing for all Americans by leveraging cutting-edge technology, advanced artificial intelligence, and innovative data analytics. As a leader in the fintech industry, we collaborate with banks and credit unions to expand access to affordable credit, ensuring that financial progress is within reach for millions of individuals. Our platform processes over one million predictions per borrower using more than 3,000 signals, enabling smarter and fairer lending decisions. At Upstart, we believe in creating a world where credit barriers are eliminated, empowering people to achieve their financial goals with clarity and confidence.

About the role

We are seeking a highly experienced Principal Mobile Engineer to join our Unsecured Installment team. This role is pivotal in strengthening our mobile platform, particularly as we prepare for the launch of a new Android application. The ideal candidate will serve as the senior technical owner for mobile development, operating as both a React Native specialist and a native Android expert. You will lead the technical direction, architecture, and execution of mobile solutions, ensuring high performance, scalability, and user experience excellence. This position offers a unique opportunity to influence product strategy, mentor engineering teams, and drive impactful projects within a fast-paced, innovative environment. The role is highly visible and requires a strategic thinker with a hands-on approach to technical leadership, capable of translating ambitious business goals into pragmatic technical solutions.

Responsibilities

• Serve as the primary mobile engineer and React Native specialist for the Unsecured Installment team, elevating code quality, scalability, and development velocity.
• Lead the Android development efforts to deliver a successful Android app launch aligned with business objectives.
• Define and evolve the technical architecture for the mobile platform, ensuring a robust foundation across React Native and native Android surfaces.
• Collaborate closely with product managers, designers, and engineers to translate roadmaps into durable mobile solutions.
• Conduct technical reviews, provide mentorship, and promote engineering best practices to ensure high-quality deliverables.
• Post-launch, maintain and enhance the mobile stack by applying broad React Native knowledge alongside native Android expertise.
• Identify and resolve technical challenges, optimize performance, and ensure a seamless user experience across platforms.

Qualifications

• 8+ years of software engineering experience, with extensive hands-on experience in mobile application development.
• Proficiency in React Native and TypeScript, with a strong understanding of cross-platform mobile development.
• Deep native Android expertise in Kotlin and/or Java, with experience launching and maintaining production Android applications.
• Proven track record leading cross-team mobile initiatives, platform migrations, or new product launches.
• Experience developing consumer-facing mobile products at scale, with a focus on performance, reliability, and user experience.
• Demonstrated technical leadership through architecture ownership, mentorship, and influence across engineering teams.
• Strong problem-solving skills and ability to work effectively in ambiguous, high-visibility environments.

Benefits

• Competitive salary range with performance-based bonuses and equity compensation.
• Comprehensive health benefits including medical, dental, and vision coverage.
• Retirement plans such as 401(k) with company matching or Group Retirement Savings Plan.
• Paid time off, sick leave, and holidays aligned with local regulations.
• Paid parental and family leave to support major life events.
• Employee Stock Purchase Plan (US only) with discounted stock options.
• Wellness resources, including mental health support through Employee Assistance Program (EAP).
• Financial wellness tools and resources to assist in personal financial planning.
• Onsite amenities like catered lunches and stocked micro-kitchens in select locations.
• Flexible work arrangements, including remote work options and support for work-life balance.
• Opportunities for professional development and participation in company events and ERGs.