# Senior Software Engineer, Unsecured Installments Remote from[USA](https://jobicy.com/job-region/usa.md)Salary, yearly, USD 160,400 - 223,900Department [Software Engineering](https://jobicy.com/categories/engineering.md) Employment type Full Time, Job posted10 Jul 2026Apply before10 Aug 2026Experience level Senior Views / Applies 37 / 4 [About company](https://jobicy.com/company/upstart.md) * Share About [Upstart](https://jobicy.com/company/upstart.md) Upstart is a leading AI lending platform partnering with banks to expand access to affordable credit. [Financial Services](https://jobicy.com/company-category/financial-services.md) * 2012 Actively Hiring Verified job posting This job post has been [manually reviewed](https://jobicy.com/tools/help-center/employee/how-does-jobicy-verify-the-legitimacy-of-remote-job-listings.md) for authenticity and compliance. ### AI Summary Upstart is seeking a Senior Software Engineer for its Unsecured Installments team to lead frontend and full-stack development using React and TypeScript. The role involves owning large projects, setting technical direction, and collaborating with product, design, and backend teams. The engineer will mentor junior engineers and contribute to AI integration in development workflows. The position is part of a mission-driven company focused on making credit more accessible. The work is digital-first with options for remote or in-office in several US cities. ### Role DNA Job Complexity Easy Hard Pace & Pressure Relaxed Fast-paced Autonomy Level Guided Full Ownership Communication Load Independent Highly Collaborative AI Insight The role requires technical leadership, mentoring, and handling ambiguous problems, which elevates difficulty above a typical senior role but not to the hardest level. ### Salary Analysis Median Highly Competitive USD192,150US Market USD130k – 220k 0 USD242k AI Insight The offered salary range of $160,400 to $223,900 is competitive and above the US market median for Senior Software Engineers. The median of $192,150 is attractive for the skills required. ### Core Skills Required [React](https://jobicy.com/jobs?search_keywords=React.md) [TypeScript](https://jobicy.com/jobs?search_keywords=TypeScript.md) [Full-Stack](https://jobicy.com/jobs?search_keywords=FullStack.md) [Frontend](https://jobicy.com/jobs?search_keywords=Frontend.md) [AI](https://jobicy.com/jobs?search_keywords=AI.md) [Lending](https://jobicy.com/jobs?search_keywords=Lending.md) [Software Engineering](https://jobicy.com/jobs?search_keywords=Software+Engineering.md) [Architecture](https://jobicy.com/jobs?search_keywords=Architecture.md) [Mentoring](https://jobicy.com/jobs?search_keywords=Mentoring.md) [System Design](https://jobicy.com/jobs?search_keywords=System+Design.md) ### Cover Letter Sample Dear Hiring Team, I am excited to apply for the Senior Software Engineer position on the Unsecured Installments team at Upstart. With a strong background in React and TypeScript, I have led multiple full-stack initiatives that improved user experiences and scalability. I am particularly drawn to Upstart's mission of using AI to make credit more accessible and affordable. In my previous role, I owned the architecture of borrower-facing platforms, mentored junior engineers, and collaborated closely with product and design teams to deliver high-impact features. I thrive in ambiguous environments and enjoy breaking down complex problems into actionable plans. I am eager to contribute to Upstart's innovative lending platform and help shape the future of credit. Thank you for considering my application. Sincerely, [Your Name] Copy ### Sample Interview Questions Describe a time when you led a complex frontend project from conception to completion. How did you ensure alignment with product and design teams?I led a project to redesign our borrower onboarding flow. I started by gathering requirements from product and design, breaking down the work into phases, and creating a technical design document. Regular syncs ensured alignment, and I used prototypes to validate assumptions early. The project launched on time with a 20% improvement in conversion.How do you approach state management in a large-scale React application?I prefer to keep state as local as possible and use a global state manager like Redux or Zustand only for shared data. For complex asynchronous flows, I use React Query or SWR. I also enforce strict patterns for updates to avoid bugs and improve maintainability.How have you incorporated AI or machine learning into your development workflow?I have used AI-powered code assistants for boilerplate generation and unit tests. In my last role, I integrated a pre-trained model for fraud detection by creating an API wrapper and A/B testing the results. I also advocated for using AI to auto-generate documentation.How do you mentor junior engineers while still meeting your own delivery goals?I schedule regular 1:1s and pair programming sessions, focusing on areas where they need growth. I assign them small, well-defined tasks with clear success criteria, and review their code promptly. This helps them learn without slowing me down much.Can you discuss a challenging technical decision you made that impacted system architecture?We needed to migrate from a monolithic frontend to micro-frontends. I proposed a module federation approach with Webpack, allowing teams to deploy independently. It required careful coordination, but it reduced deployment time by 60% and improved scalability. 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 Senior Software Engineer on the Unsecured Installments team, you’ll be a technical leader for the frontend and full-stack experiences that borrowers interact with directly. Working primarily in React and TypeScript, you’ll own the delivery of large, multi-month projects, shape the architecture of the team’s mobile-web and full-stack surfaces, and set a high bar for quality across the borrower experience. You’ll partner closely with product, design, and backend engineers to turn ambiguous problems into durable, well-architected solutions, and you’ll mentor other engineers along the way. How you’ll make an impact * Own the design and delivery of large, complex frontend and full-stack initiatives using React and TypeScript, from planning and sequencing through launch and long-term maintenance. * Set technical direction for the team’s frontend architecture and full-stack patterns, owning a 3–6 month roadmap and proactively addressing systemic gaps that threaten team effectiveness. * Partner closely with product, design, and backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality experiences. * Raise the bar for engineering excellence through strong component and API design, thoughtful state management, testing, observability, and operational rigor across borrower-facing surfaces. * Lead through ambiguity, breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs on scope, performance, and user experience. * Mentor and grow other engineers through code reviews, design reviews, and technical guidance, and serve as a trusted collaborator across the team. * Contribute to how the team uses AI in development workflows and product capabilities, with a pragmatic view of where it can create meaningful leverage. Minimum Qualifications * Bachelor’s degree in Computer Science, Engineering, or a related field (or equivalent practical experience) and 6+ years of professional software engineering experience. * Deep proficiency building complex web applications with React and TypeScript, including component architecture, state management, performance optimization, and consuming REST or GraphQL APIs. * Full-stack experience designing and building backend services and APIs in a language such as Python, Java, Kotlin, Ruby, or Node.js. * Track record of independently leading the design and delivery of large, business-critical frontend or full-stack projects in production. * Ability to work effectively in ambiguous environments where product requirements, constraints, and system boundaries evolve over time. * Strong communication and collaboration skills, with the ability to explain technical tradeoffs and align product, design, and engineering partners. Preferred Qualifications * Experience serving as the frontend or full-stack technical lead for a product team or business-critical product surface. * Experience building consumer-facing products at scale with strong attention to performance, accessibility, and user experience. * Background in fintech, lending, payments, or other regulated financial products with complex user journeys and high quality expectations. * Experience with experimentation, A/B testing, or feature-flagging to drive iterative product improvements in production. * Familiarity with modern frontend tooling and testing frameworks (e.g., Jest, React Testing Library, Cypress) and CI/CD workflows. * Hands-on experience leveraging generative AI in product features or internal engineering workflows. * Passion for building products that expand access to credit and improve financial outcomes for consumers. Position location This role is available in the following locations: Remote Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time. #LI-REMOTE #LI-MidSenior –> use for L5, L6 At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). United States | Remote – Anticipated Base Salary Range$166,900—$223,900 USD At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process. In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k). Canada | Remote – Anticipated Base Salary Range$160,400—$217,000 CAD What you’ll love At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect: * 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!) For roles based in Canada, please note that we are not currently able to hire in Quebec. Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices. If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email candidate_accommodations@upstart.com [https://www.upstart.com/candidate_privacy_policy](https://www.upstart.com/candidate_privacy_policy) Show more [Apply now >](https://jobicy.com/jobs/149108-senior-software-engineer-unsecured-installments.md) * ![Upload CV](data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI2NSIgaGVpZ2h0PSI2NSIgZmlsbD0ibm9uZSIgeG1sbnM6dj0iaHR0cHM6Ly92ZWN0YS5pby9uYW5vIj48ZyBjbGlwLXBhdGg9InVybCgjQSkiPjxwYXRoIGQ9Ik0wIDBINjVWNjVIMFYwWiIgZmlsbD0iIzAyOWFlYiIvPjxnIGZpbGw9IiNmZmYiIHN0cm9rZT0iI2ZmZiIgc3Ryb2tlLXdpZHRoPSIyIj48cGF0aCBkPSJNMzMuMDQ5IDE1LjQ1NGExLjQzIDEuNDMgMCAwIDAtMi4wOTcgMGwtNy41NzkgOC4xNDdhMS4zOCAxLjM4IDAgMCAwIC4wOSAxLjk3MyAxLjQ0IDEuNDQgMCAwIDAgMi4wMDgtLjA4OGw1LjEwOS01LjQ5MnYyMC42MWExLjQxIDEuNDEgMCAwIDAgMS40MjEgMS4zOTdjLjc4NSAwIDEuNDIxLS42MjUgMS40MjEtMS4zOTd2LTIwLjYxbDUuMTA5IDUuNDkyYTEuNDQgMS40NCAwIDAgMCAyLjAwOC4wODggMS4zOCAxLjM4IDAgMCAwIC4wOS0xLjk3M2wtNy41NzktOC4xNDZ6TTE2Ljc2OSAzOC40YzAtLjc3My0uNjItMS40LTEuMzg1LTEuNFMxNCAzNy42MjcgMTQgMzguNHYuMTAybC4yMTUgNi4yMjljLjIyMyAxLjY4LjcwMSAzLjA5NSAxLjgxMyA0LjIxOHMyLjUxIDEuNjA3IDQuMTcyIDEuODMzYzEuNi4yMTggMy42MzYuMjE4IDYuMTYuMjE4aDExLjI4bDYuMTYtLjIxOGMxLjY2Mi0uMjI2IDMuMDYxLS43MDkgNC4xNzItMS44MzNzMS41ODktMi41MzggMS44MTMtNC4yMThDNTAgNDMuMTEzIDUwIDQxLjA1NSA1MCAzOC41MDNWMzguNGMwLS43NzMtLjYyLTEuNC0xLjM4NS0xLjRzLTEuMzg1LjYyNy0xLjM4NSAxLjRsLS4xOSA1Ljk1OGMtLjE4MiAxLjM3LS41MTUgMi4wOTUtMS4wMjYgMi42MTJzLTEuMjI4Ljg1My0yLjU4MyAxLjAzOGMtMS4zOTUuMTktMy4yNDMuMTkzLTUuODkzLjE5M0gyNi40NjJjLTIuNjUgMC00LjQ5OC0uMDAzLTUuODkzLS4xOTMtMS4zNTUtLjE4NC0yLjA3Mi0uNTIxLTIuNTgzLTEuMDM4cy0uODQ0LTEuMjQyLTEuMDI2LTIuNjEyYy0uMTg3LTEuNDEtLjE5MS0zLjI3OS0uMTkxLTUuOTU4eiIvPjwvZz48L2c+PGRlZnM+PGNsaXBQYXRoIGlkPSJBIj48cGF0aCBmaWxsPSIjZmZmIiBkPSJNMCAwaDY1djY1SDB6Ii8+PC9jbGlwUGF0aD48L2RlZnM+PC9zdmc+) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. 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