Sr. Software Engineer, Personal Loans Engineering

About Upstart At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence. As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress. We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you. If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you. The Team: Personal Loans Engineering owns the applicant journey and experience as they move through the loan application and verification process. PL Engineering is a conversion- and revenue-critical part of Upstart’s flagship product. The team brings single-threaded ownership to an experience that is aligning funnel outcomes and architectural evolution around one goal: maximizing originations while maintaining trust, risk integrity, and compliance. How you’ll make an impact 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. Minimum Qualifications 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 Preferred Qualifications Experience with full st ... (truncated, view full listing at source)