Sr. Software Engineer, Personal Loans Engineering

📋 Description

• • As a Sr. Software Engineer on the Personal Loans Engineering team at Upstart, you will own and improve key steps in the loan application funnel to increase funded-loan conversion and reduce applicant drop-off, directly impacting the company’s mission to expand access to affordable credit through AI-driven lending.
• • Day to day, you will design and implement cleaner service boundaries and APIs to decouple tightly coupled systems, partner with cross-functional teams including Growth, Verifications Platform, and Risk to deliver end-to-end applicant outcomes, and lead high-stakes changes that improve user experience while maintaining compliance and business continuity.
• • You will join a mission-driven, digital-first engineering team at Upstart, a leading AI lending marketplace that powers over one million predictions per borrower using 1,800+ signals, with a culture that values in-person connection through quarterly onsites despite remote flexibility across the U.S. and Canada.
• • In this role, you will deepen your expertise in scalable consumer-facing systems, experiment-driven development, and intelligent automation (e.g., AI-driven nudges), while mentoring other engineers and influencing product-first technical decisions in a regulated fintech environment.