Senior Software Engineer, Auto Retail

About Upstart

Upstart is the 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 80% of borrowers are approved instantly, with zero documentation to upload.

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; Austin, Texas; and New York City, NY (opening Summer 2026).

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 Auto Lending Growth team is on a mission to scale Upstart's Auto Lending platform by expanding into all 50 states, integrating seamlessly with dealer systems, and delivering a compliant, high-conversion credit application experience.

As a Senior Software Engineer on the Auto Lending Growth team at Upstart, you will work closely with cross-functional partners to execute projects across the whole stack. You're a self-starter who delivers work with quality, testability, resiliency, and maintainability in mind. You'll move efficiently and deliberately to drive both existing and greenfield projects forward, while always keeping our end users in mind.

How you'll make an impact

• Lead successful projects working collaboratively with engineering team members and cross-functional partners
• Make thoughtful architectural decisions to improve the quality of our software
• Translate complex business requirements into technical plans, and ultimately high quality code
• Drive a culture of technical excellence

Minimum Qualifications

• 6+ years working with full stack web applications
• 3+ years of experience working in a full stack capacity with NodeJS/Typescript and React or equivalent
• Able to translate complex business requirements into system architecture and technical designs
• Experience with cloud computing platforms and services such as AWS, Azure, or GCP
• Experience leading engineers on medium to large projects through planning, design, implementation, and launch
• Experience driving a culture of technical excellence related to quality, availability, and scalability

Preferred Qualifications

• Experience deploying web applications on Vercel and/or with Next

Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin

Time Zone Requirements - This team operates across all U.S. time zones.

Travel Requirements - This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.

What you'll love:

• Competitive Compensation (base + bonus & equity)
• Comprehensive medical, dental, and vision coverage with Health Savings