Senior Software Engineer, Auto

This is a fully remote position, open to applicants in United States.

📋 Description

• Develop and enhance product features that increase accessibility to Upstart’s Auto Secured Personal Loan offering and drive growth in originations.

• Create and implement improvements to customer-facing funnels, eligibility criteria, and workflow automation that enhance borrower experience and operational effectiveness.

• Collaborate with product, operations, risk, and engineering teams to assess trade-offs between customer experience, risk management, complexity, and market speed.

• Design robust, scalable engineering solutions that provide leverage for the future expansion of secured lending products.

• Influence the team’s technical direction by identifying implementation risks, enhancing execution standards, and clearly communicating progress and decisions.

• Ensure high-quality delivery in a regulated environment through careful system design, testing, observability, and cross-functional collaboration.

⛳️ Requirements

• A Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related discipline, or equivalent practical experience, along with 4+ years of software engineering experience.

• Proven experience in designing, building, testing, and deploying production software systems.

• Background in developing customer-facing product features, platform capabilities, or backend services within a production setting.

• Experience collaborating with cross-functional partners such as product management, design, analytics, operations, legal, or compliance.

• Demonstrated ability to make technical trade-offs balancing system reliability, maintainability, scalability, and product delivery schedules.

🏝️ Benefits

• Competitive compensation package that includes base salary, bonus opportunities, and annual equity grants that vest quarterly.

• Retirement benefits designed to help you prepare for the future, featuring 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) offering discounted stock purchase options for eligible employees (US only).

• Comprehensive health coverage aimed at supporting you and your family, including medical, dental, vision, and wellness resources for the US, along with supplemental health coverage for Canada.

• Contributions to Health Savings Accounts from Upstart for eligible plans (US only).

• Income protection benefits, encompassing life insurance and disability coverage for enhanced financial security.

• Paid time off, sick leave, and company holidays, aligned with local regulations.

• Paid family and parental leave to assist with caregiving and significant life events (duration varies by country).

• Family-focused benefits to support fertility, parenthood, and caregiving requirements.

• Employee Assistance Program (EAP) providing 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 promote your physical and emotional well-being and personal growth, tailored to your priorities.

• Annual productivity allowance to invest in the necessary tools and resources for optimal performance, regardless of your work location.

• Opportunities for connection and community through team events, all-company updates, and employee resource groups (ERGs).

• Onsite perks such as 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!).