Software Engineer, Mobile

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.

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. 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.

About the role

Upstart’s Borrower Experience (BX) team is responsible for building and evolving the borrower-facing servicing experience across web, mobile, and AI-powered channels. The team focuses on reducing borrower friction, improving payment success, and enabling clear, self-serve paths for borrowers post-origination. As the Senior Mobile Engineer at Upstart, you will help design and build high-quality mobile applications using React Native. You’ll collaborate closely with product managers, designers, and backend engineers to deliver features that delight users and align with company goals. Our mobile codebase is React Native-first, and we’re in the early stages of expanding across iOS and Android.

Responsibilities

• Build and maintain user-facing features in our React Native mobile apps across iOS (and Android, as we expand).
• Design and implement mobile components and subsystems that are performant, maintainable, and scalable across platforms.
• Collaborate with product and design teams to scope, implement, and launch features that align with user and business needs.
• Contribute to platform improvements, including tooling, testing strategies, CI/CD, and performance monitoring.
• Work with backend engineers to define mobile-specific APIs and improve client-server integration patterns.
• Identify and resolve performance or reliability issues in the mobile experience.
• Participate in code reviews, architecture discussions, and technical planning to raise engineering quality across the team.
• Support a strong mobile engineering culture through mentorship, collaboration, and a focus on continuous improvement.

Requirements

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience.
• Experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android).
• Understand mobile performance, memory management, and platform-specific constraints.
• Communicate effectively with cross-functional partners in product, design, and backend engineering.
• Take ownership of your work and are comfortable delivering complex features from planning through release.
• Balance speed and quality, and advocate for maintainable, scalable engineering solutions.
• Contribute to team culture and engineering practices through feedback, mentoring, and collaboration.
• Embrace a growth mindset and enjoy learning from others while helping teammates grow.

Preferred Qualifications

• Have helped launch or scale a React Native app on the Android platform.
• Comfortable working with TypeScript or custom native modules.
• Experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks.
• Have worked in a fast-paced product company where mobile was a primary user touchpoint.
• Have contributed to internal tools, processes, or systems that improved mobile developer velocity or code quality.

This role is available remotely in the United States. The team operates on the East/West coast time zones. As a digital-first company, most work can be accomplished remotely, with occasional in-person onsites (1-2 times per quarter for 2-4 consecutive days).

Pay

Anticipated base salary range: $142,000 - $196,600 USD. Your actual base pay will depend on geographic location, job-related skills, experience, and relevant education or training. In addition, Upstart provides target bonuses, equity compensation, and a generous benefits package.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Retirement benefits: 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually.
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options (US only).
• Comprehensive health coverage for you and your family, including medical, dental, vision, and wellness resources (US and supplemental coverage for 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 tools and resources for your work.
• 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 offices in the Bay Area, Austin, Columbus, or New York City (opening Summer 2026).