Senior Software Engineer, Auto

Role Overview

• Build and improve product features that expand access to Upstart’s Auto Secured Personal Loan product and support growth in originations.
• Design and deliver customer-facing funnel improvements, eligibility logic, and workflow automation that improve borrower experience and operational efficiency.
• Partner with product, operations, risk, and engineering teams to evaluate tradeoffs across customer experience, risk, complexity, and speed to market.
• Develop durable, scalable engineering solutions that create leverage for future secured lending product expansion.
• Contribute to the team’s technical direction by identifying implementation risks, improving execution standards, and communicating progress and decisions clearly.
• Support high-quality delivery in a regulated environment through thoughtful system design, testing, observability, and cross-functional alignment.

Requirements

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 4+ years of software engineering experience.
• Experience designing, building, testing, and deploying production software systems.
• Experience developing customer-facing product features, platform capabilities, or backend services in a production environment.
• Experience working with cross-functional partners such as product management, design, analytics, operations, legal, or compliance.
• Experience making technical tradeoffs across system reliability, maintainability, scalability, and product delivery timelines.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
• Retirement benefits to help you plan for the future, including 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) with discounted stock purchase options for eligible employees (US only)
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only)
• Income protection benefits, including life insurance and disability coverage for added financial security
• Paid time off, sick leave, and company holidays, in line with local requirements
• Paid family and parental leave to support caregiving and major life moments (duration varies by country)
• Family-centered benefits to support fertility, parenthood, and caregiving needs
• 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 (US Only)
• 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, all-company updates, and employee resource groups (ERGs)
• Onsite perks, including 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!)