Software Engineer, Unsecured Installments

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: Unsecured Installments is one of Upstart's core lending products, helping borrowers access credit through a seamless, digitally native experience. The team owns critical parts of the borrower journey across offer generation, pricing, underwriting, funding, and borrower experience, while working closely with the broader lending platform that powers Upstart at scale. Recent work has focused on improving borrower flows, repricing and rate flexibility, partnership experiences, and the overall quality of the customer-facing experience. 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. How you’ll make an impact 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. Minimum 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. Preferred Qualifications 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. Position