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Upstart Logo Upstart · IT - Software Development

Software Engineer, Auto Refi + Auto Secured Personal Loans

United States, Remote 142000.00 - 196600.00 USD / Year · Job Posted January 24, 2026
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Job Description

Software Engineer on the Auto Refi + Auto Secured Personal Loans team, responsible for scaling auto refinance and auto secured personal loan products. Focus on increasing conversion by eliminating friction for customers while improving product quality. Work iteratively to provide fast feedback loops.

Job Responsibility

  • Lead successful projects working collaboratively with engineering team members and cross-functional partners
  • Make thoughtful architectural decisions to improve the quality of our software
  • Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics
  • Collaborate with stakeholders to find solutions to our most challenging problems

Requirements

  • 4+ years of professional full stack software development experience
  • 2+ years of professional experience with SQL databases and domain modeling
  • Some experience with a front-end framework like React

Nice to have

  • Excellent written and verbal communication
  • Ability to execute independently and deliver projects of varying complexity and sizes with minimal direction
  • Comfortable challenging authority
  • Preference for face-time and synchronous collaboration

What we offer

  • Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
  • Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
  • Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
  • Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
  • Health Savings Account contributions from Upstart for eligible plans
  • Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
  • Paid time off, sick and safe time, and company holidays
  • Paid family and parental leave to support caregiving and major life moments
  • Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
  • 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
  • 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 and onsites, all-company updates, and employee resource groups (ERGs)
  • Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices
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