Job Title: Senior Software Engineer Company Name: Upstart Job Url: https://jobright.ai/jobs/info/69ba733e06c1ba00c54c73e7 Job Description: Upstart · 3 minutes ago Senior Software Engineer, Auto Refi United States Full-time Remote Mid, Senior Level $167K/yr - $231K/yr 4+ years exp 87% STRONG MATCH 100% Exp. Level 75% Skill 80% Industry Exp. Upstart is an AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. As a Senior Software Engineer on the Auto Refi team, you will lead projects, make architectural decisions, and collaborate with cross-functional partners to enhance the quality of software and improve product metrics. Artificial Intelligence (AI) Automotive Lending Finance FinTech Consumer Lending Credit Financial Services Machine Learning Personal Finance H1B Sponsor Likely Insider Connection @Upstart 2 email credits available today Discover valuable connections within the company who might provide insights and potential referrals. Get 3x more responses when you reach out via email instead of LinkedIn. Beyond Your Network View I J M R S Ian Stinson & 4 connections From Your Previous Company Find More Connections From Your School Find More Connections Find Any Email Responsibilities Lead successful projects working collaboratively with engineering team members and cross-functional partners Make thoughtful architectural decisions to improve the quality of our software Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics Collaborate with stakeholders to find solutions to our most challenging problems Qualification Represents the skills you have Find out how your skills align with this job's requirements. If anything seems off, you can easily click on the tags to select or unselect skills to reflect your actual expertise. Full-stack development Distributed systems APIs Ruby on Rails Kotlin PostgreSQL React Next.js Vercel Python Cloud platforms AWS GCP Azure Cloud native environment Microservices architecture Real-time data processing pipelines Kafka Spark SQL Data warehousing Required Bachelor's degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience Strong focus on full-stack development, distributed systems, and APIs Experience with some or many of the following: Ruby on Rails, Kotlin, PostgreSQL, React, Next.js, Vercel, Python Experience with cloud platforms (AWS, GCP, Azure) and deploying applications in a cloud native environment Experience with microservices architecture and real-time data processing pipelines (Kafka, Spark, or similar) Familiarity with database technologies such as SQL and data warehousing solutions Good communication and teamwork skills, with the ability to work effectively with cross-functional teams Preferred Excellent written and verbal communication. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you'll need to tailor your communication style to fit these different audiences' needs Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction Comfortable challenging authority. We want engineers who can push back on their managers when they think we're going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one Preference for face-time and synchronous collaboration. We're a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop. You'll need to be comfortable with a few hours of Zoom per day (e.g. pair/mob programming) to excel in this role Benefits Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose Health Savings Account contributions from Upstart for eligible plans Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage Paid time off, sick and safe time, and company holidays Paid family and parental leave to support caregiving and major life moments Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving 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 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 and onsites, all-company updates, and employee resource groups (ERGs) Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!)