Senior Software Engineer, Auto

Upstart is an AI lending marketplace that uses technology to expand access to affordable credit. The Senior Software Engineer will build scalable product and platform capabilities for the Auto Secured Personal Loan product, including customer-facing features, eligibility systems, workflow automation, and secured lending capabilities. The role collaborates with product, operations, risk, and engineering teams in a regulated environment.

Responsibilities:

• 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
• Knowledge of consumer lending, fintech, marketplace, or regulated product environments
• Experience building or improving conversion funnels, eligibility systems, decisioning workflows, or operational automation
• Ability to work through ambiguous product and technical problems by using data, judgment, and clear communication
• Skills in influencing technical direction and aligning stakeholders without direct authority
• Experience developing systems that balance customer experience, compliance needs, risk controls, and long-term engineering quality