Software Engineer, Unsecured Installments

Role Description

As a Software Engineer on the Unsecured Installments team, you'll build and improve the frontend and full-stack experiences that borrowers interact with directly. You'll work primarily in React and TypeScript to ship polished, reliable, high-performing borrower flows, while partnering with backend, product, and design to connect those experiences to the systems behind pricing, underwriting, and funding. This is a hands-on role where you'll own meaningful features end to end and grow your technical depth on a business-critical product.

• Build and maintain borrower-facing web experiences using React and TypeScript, translating designs and product requirements into clean, responsive, accessible interfaces.
• Work across the stack to connect frontend experiences to backend services and APIs, contributing to full-stack features that span the borrower journey.
• Partner closely with product managers, designers, and backend engineers to scope, build, and ship features that improve borrower flows and reduce friction.
• Write well-tested, maintainable code and participate in code reviews, helping raise the quality and consistency of the team's frontend codebase.
• Contribute to performance, reliability, and observability of the experiences you own, and help debug and resolve issues across environments.
• Support experimentation and iterative improvements to borrower flows, using data and feedback to inform what gets built next.

Qualifications

• Bachelor's degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 4-5+ years of professional software engineering experience.
• Strong proficiency building web applications with React and TypeScript, including component design, state management, and consuming REST or GraphQL APIs.
• Full-stack experience contributing to backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js.
• Solid fundamentals in writing tested, maintainable code and collaborating through code review in a team environment.
• Ability to work effectively with product and design partners to deliver features from requirements through production.

Requirements

• Experience building consumer-facing products with attention to performance, accessibility, and user experience.
• Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows.
• Exposure to fintech, lending, payments, or other regulated financial products with complex user journeys.
• Experience with experimentation, A/B testing, or feature-flagging in production environments.
• Active use of AI tools in engineering workflows, with a thoughtful perspective on how AI is reshaping software development.
• Passion for building products that expand access to credit and improve financial outcomes for consumers.

Benefits

• Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly.
• Retirement benefits to help you plan for the future, including a 401(k) or Group Retirement Savings Plan with a company match of $2 for every $1 contributed, up to $15,000 annually (USD in the US, CAD in Canada).
• Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees (US only).
• Comprehensive health coverage designed to support you and your family, including medical, dental, vision, and wellness resources for US and supplemental health coverage for Canada.
• Health Savings Account contributions from Upstart for eligible plans (US only).
• Income protection benefits, including life insurance and disability coverage for added financial security.
• Paid time off, sick leave, and company holidays, in line with local requirements.
• Paid family and parental leave to support caregiving and major life moments (duration varies by country).
• Family-centered benefits to support fertility, parenthood, and caregiving needs.
• 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 (US Only).
• 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, all-company updates, and employee resource groups (ERGs).
• Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our offices in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).