Upstart’s Home Lending Borrower Experience team supports the Home Lending borrower journey, including the end-to-end experience borrowers use to apply, receive a decision, and close. The team builds and maintains borrower-facing systems that directly affect application completion, customer satisfaction, and the ability to scale Home Lending products as volume grows.
As a Senior Software Engineer on the team, you will own the reliability, quality, and forward momentum of borrower-facing systems. You will make technical decisions that balance speed, risk, maintainability, and product impact while partnering across Product, Design, Data and Machine Learning, Servicing, and Operations.
- Build and improve borrower-facing systems that support Home Lending's application, decisioning, and closing experience
- Own production quality for critical borrower flows, including reliability, observability, error reduction, and on-call support
- Partner with Product, Design, Data and Machine Learning, Servicing, and Operations to deliver effective solutions across complex lending workflows
- Lead technical design and implementation for multi-quarter projects that improve borrower conversion, satisfaction, and product quality
- Make thoughtful technical tradeoffs that balance near-term delivery with long-term maintainability as Home Lending volume and product scope grow
- Improve team execution through code reviews, technical guidance, documentation, and practical engineering standards
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field or its equivalent, and 4 years of professional software engineering experience
- Experience building and maintaining production software systems for consumer-facing web applications
- Experience with backend or user interface engineering in a production environment
- Experience owning production systems, including operational support, incident response, or on-call responsibilities
- Experience independently driving multi-quarter engineering projects from technical design through delivery
- Knowledge of financial technology, lending, home lending, or other regulated consumer finance products
- Experience working on application funnels, borrower journeys, customer journeys, or other high-volume conversion flows
- Ability to use product metrics, funnel data, error rates, and engineering judgment to prioritize technical work
- Skills in improving complex live systems incrementally while continuing to deliver new product capabilities
- Ability to influence cross-functional partners through clear technical recommendations and thoughtful tradeoff discussions