Senior Software Engineer, Auto Refi

Role Overview

• 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

Requirements

• Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
• 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!).