Principal Mobile Software Engineer

The Team

Serve as the primary mobile engineer and React Native specialist for the Unsecured Installment team, raising the quality, scalability, and velocity of the team's mobile codebase across small dollar loans and personal loans.

Lead Android development for the team and help deliver against Upstart's approved Android launch plan this year, translating aggressive 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 unsecured installments mobile stack.

Minimum Qualifications

• 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.

Preferred Qualifications

• Experience serving as the mobile or frontend technical lead for a product team or business-critical product surface.
• Breadth across mobile platforms, including familiarity with iOS development or cross-platform mobile architecture.
• Background in fintech, lending, or other consumer financial products with complex user journeys and high quality expectations.
• Experience helping teams build conviction around new mobile investments through technical proposals, feasibility work, or proof-of-concept execution.
• Comfort leading through ambiguity in fast-scaling product environments where scope, ownership, and roadmap priorities evolve over time.
• Experience building alignment across engineering, product, design, and leadership partners in high-visibility, cross-functional organizations.

Position Location

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

Time Zone Requirements

This team operates across all U.S. time zones.

Travel Requirements

This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

What you'll love

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!)!

Equal Opportunity Employer

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.