Senior Software Engineer, Growth Retention

Remote - US Full Time Senior
$160K - $222K Yearly

Published on April 19, 2024

Upstart is the leading AI lending marketplace
We connect millions of consumers to 100+ banks and credit unions who leverage Upstart’s artificial intelligence models and cloud applications to deliver superior credit products. Our platform includes personal loans, automotive retail and refinance loans, small dollar “relief” loans, and later this year, home loans.

  •  JR101732

About Upstart
Upstart is a leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than two-thirds of Upstart loans are approved instantly and are fully automated.

Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas.

Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we’d love to hear from you!

The Team: 
Upstart’s Growth Retention team is responsible for improving long-term engagement and monetization for our growing user base. As Upstart expands its product offerings and builds out a multi-product ecosystem, it becomes increasingly important for us to continuously deliver new insights about our users. 

As a Senior Software Engineer on the team, your leadership will be instrumental in helping us create the right tools and platforms for us to target the right users in the right ways. You will work closely with cross-functional counterparts in Analytics, Marketing and Product to create new financial insights about our millions of users, and use those insights to guide software engineers to build new user journeys and flows. 

How you’ll make an impact:
  • Work throughout the Upstart platform from the web application and its API integrations/Microservices to supporting backend business logic in Ruby on Rails, React, Kotlin, and more.
  • Move quickly to accelerate both existing and greenfield projects forward, while always keeping our customers and lending partners in mind to ensure that they have a seamless, positive experience.
  • Work with business stakeholders to onboard new lending partners as needed.
  • Make architectural decisions and drive impactful discussion to improve the reliability of our software and maintainability of our code base.
  • Drive team discussions in scoping, project breakdown, and estimating.
  • Be a strong team leader and technical mentor to other engineers.

What we're looking for:
  • Minimum Qualifications: 
    • 7+ Years of experience developing software applications, with an empathic understanding of full-stack architecture.
    • Comprehensive knowledge of programming languages.
    • Mastery of software development best practices and principles for creating complex, maintainable, and scalable systems.
    • Capable of executing independently and delivering on projects of varying complexity and sizes with minimal direction.
    • Able to work with shifting priorities with minimal downtime.
    • Strong Project Management skills and experience communicating complex problems to a variety of stakeholders.
  • Preferred Qualifications:
    • Strong sense of ownership and accountability for the quality and timely delivery of work.
    • Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve.
    • Proven ability to effectively analyze and solve complex problems with a strong debugging skillset.
    • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics.
    • A strong communicator who is able to clarify requirements, is task-oriented, and can be an example to other team members.

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

What you'll love: 
  • Competitive Compensation (base + bonus & equity)
  • Comprehensive medical, dental, and vision coverage with Health Savings Account contributions from Upstart 
  • 401(k) with 100% company match up to $4,500 and immediate vesting and after-tax savings
  • Employee Stock Purchase Plan (ESPP)
  • Life and disability insurance
  • Generous holiday, vacation, sick and safety leave  
  • Supportive parental, family care, and military leave programs
  • Annual wellness, technology & ergonomic reimbursement programs
  • Social activities including team events and onsites, all-company updates, employee resource groups (ERGs), and other interest groups such as book clubs, fitness, investing, and volunteering
  • Catered lunches + snacks & drinks when working in offices

At Upstart, your base pay is one part of your total compensation package.  The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.

In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).

United States | Remote - Anticipated Base Salary Range
$160,400—$222,000 USD
Upstart is a proud Equal Opportunity Employer. We are dedicated to ensuring that underrepresented classes receive better access to affordable credit, and are just as committed to embracing diversity and inclusion in our hiring practices. We celebrate all cultures, backgrounds, perspectives, and experiences, and know that we can only become better together. 

If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email