The Team:ย
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.
As a Senior Software Engineer on the team, you will own the reliability, quality, and forward momentum of borrower-facing systems. You will make technical decisions that balance speed, risk, maintainability, and product impact while partnering across Product, Design, Data and Machine Learning, Servicing, and Operations.
How you'll make an impact
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
Minimum Qualificationsย
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
Position location This role is available in the following locations: Remoteย
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
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