Senior Software Engineer, Home Lending

About the role

The Team:

Upstart’s Home Lending Borrower Experience team supports the Home Lending borrower journey, including the end-to-end experience borrowers use to apply, receive a decision, and close. The team builds and maintains borrower-facing systems that directly affect application completion, customer satisfaction, and the ability to scale Home Lending products as volume grows.

Responsibilities

• Build and improve borrower-facing systems that support Home Lending's application, decisioning, and closing experience
• Own production quality for critical borrower flows, including reliability, observability, error reduction, and on-call support
• Partner with Product, Design, Data and Machine Learning, Servicing, and Operations to deliver effective solutions across complex lending workflows
• Lead technical design and implementation for multi-quarter projects that improve borrower conversion, satisfaction, and product quality
• Make thoughtful technical tradeoffs that balance near-term delivery with long-term maintainability as Home Lending volume and product scope grow
• Improve team execution through code reviews, technical guidance, documentation, and practical engineering standards

Requirements

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field or its equivalent, and 4 years of professional software engineering experience
• Experience building and maintaining production software systems for consumer-facing web applications
• Experience with backend or user interface engineering in a production environment
• Experience owning production systems, including operational support, incident response, or on-call responsibilities
• Experience independently driving multi-quarter engineering projects from technical design through delivery

Preferred Qualifications

• Knowledge of financial technology, lending, home lending, or other regulated consumer finance products
• Experience working on application funnels, borrower journeys, customer journeys, or other high-volume conversion flows
• Ability to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical work
• Skills in improving complex live systems incrementally while continuing to deliver new product capabilities
• Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions

Benefits

• 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!)!