Sr. Software Engineer, Personal Loans Engineering

Upstart is a leading AI lending marketplace focused on reducing the cost and complexity of borrowing for Americans. The Sr. Software Engineer in Personal Loans Engineering will own and improve the loan application process, design service boundaries, and lead changes to enhance user experience while ensuring compliance and risk integrity.

Responsibilities:

• Own and improve key steps in the Got rate to Funded loan funnel to increase funded-loan conversion and reduce applicant drop-off, grounded in clear measurement and iteration loops
• Design and implement cleaner service boundaries and APIs to decouple tightly coupled Personal Loans systems, enabling faster iteration and cross-product reuse across unsecured lending
• Partner closely with Growth, Verifications Platform, Pricing/Decisioning/Risk, Lending Partners, and downstream teams to deliver end-to-end applicant outcomes without losing single-threaded ownership
• Lead complex, high-stakes changes that improve the user journey while protecting business continuity and operating within risk/compliance constraints
• Identify and prototype opportunities for intelligent automation (e.g., AI-driven nudges or chat/voice touchpoints) that reduce friction and accelerate time-to-fund

Requirements:

• 7+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset
• Demonstrated experience decomposing or modernizing tightly coupled systems into modular components/services with clear interfaces, while maintaining reliability and continuity
• Experience with experiment-driven development (instrumentation, A/B testing, analysis/iteration) and translating product goals into technical execution
• Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders
• Excellent written and verbal communication skills, able to explain complex technical topics to non-technical stakeholders
• Track record of successfully mentoring and developing other engineers around you while seeking out and appreciating constructive feedback
• Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred) and Docker, GitHub Actions, utilizing CI/CD technologies including infrastructure as code
• Familiarity with onboarding/funnel optimization in high-scale consumer products, including conversion and time-to-complete improvements
• Experience in the customer support tech domain (e.g., contact center platforms, customer engagement solutions, or conversational AI systems)
• Experience building in regulated or high-trust domains (e.g., fintech, lending, identity/verification, payments) where correctness and compliance are first-class constraints