Principal Mobile Engineer, Cash Line

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 3,000 signals, powering smarter, fairer decisions for millions of customers.

About the role

The Cash Line team builds and scales the mobile experiences that support our Cash Line products. This role will strengthen the team’s mobile foundation across its codebase and help drive a newly approved Android app launch on an aggressive timeline this year. The work is highly cross-functional and high-visibility, with direct impact on product strategy, engineering execution, and the customer experience.

As the Principal Mobile Engineer on the Cash Line team, you will be the senior technical owner for the team’s mobile work. You’ll operate primarily as a mobile generalist and React Native specialist, elevating the team’s mobile codebase while bringing the native Android depth needed to lead the Android launch this year. After launch, you’ll continue as the team’s mobile specialist, shaping long-term mobile architecture and quality across React Native and native Android surfaces. This is a high-impact individual contributor role with meaningful technical leadership, cross-team influence, and mentorship responsibility.

Responsibilities

• Serve as the primary mobile engineer and React Native specialist for the Cash Line team, raising the quality, scalability, and velocity of the team’s mobile codebase.
• Lead Android development for the team and help deliver against Upstart’s approved Android launch plan this year, translating ambitious business goals into pragmatic technical milestones and execution plans.
• Set technical direction for the team’s mobile architecture, evolving a strong foundation across React Native and native Android surfaces.
• Partner closely with product, design, and engineering stakeholders to translate roadmap priorities into durable mobile solutions.
• Raise the bar for engineering excellence through technical leadership, design reviews, mentorship, and pragmatic execution in ambiguous, high-visibility problem spaces.
• After launch, continue as the team’s mobile specialist, bringing broad React Native fluency alongside deep Android expertise to support the full Cash Line mobile stack.

Requirements

• 8+ years of software engineering experience, including substantial experience building and shipping mobile applications with React Native and TypeScript.
• Strong native Android depth in Kotlin and/or Java, with experience shipping or launching native Android applications in production.
• Proven track record leading cross-team mobile initiatives, platform migrations, or new mobile product launches in production environments.
• Experience shipping consumer-facing mobile products at scale with strong attention to performance, reliability, and user experience.
• Demonstrated technical leadership as a senior individual contributor, including architecture ownership, mentorship, and influence across teams.

Location

This role is available in the following locations: Remote, Burlingame, Columbus, Austin, or New York.

Schedule

This team operates across all U.S. time zones. Regular on-site collaboration sessions occur 3 days per quarter at an Upstart office. Travel expenses for these meetups are covered by Upstart.

Pay

Your base pay will depend on geographic location, job-related skills, experience, and relevant education or training. In addition to base pay, Upstart provides target bonuses, equity compensation, and generous benefits packages.

• United States (Remote): Anticipated base salary range $195,300 - $270,400 USD
• Canada (Remote): Anticipated base salary range $182,800 - $230,000 CAD

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Retirement benefits with a 401(k) or Group Retirement Savings Plan, including 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 (US only).
• Comprehensive health coverage, including medical, dental, vision, and wellness resources (US) and supplemental health coverage (Canada).
• Health Savings Account contributions from Upstart for eligible plans (US only).
• Income protection benefits, including life insurance and disability coverage.
• Paid time off, sick leave, and company holidays.
• Paid family and parental leave (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 physical and emotional well-being and personal development.
• Annual productivity allowance to invest in relevant tools and resources.
• Connection and community through team events, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens in offices (Bay Area, Austin, Columbus, and New York City).