# Software Engineer, Unsecured Installments Remote from[USA](https://jobicy.com/job-region/usa.md)Salary, yearly, USD 136,000 - 196,600Department [Software Engineering](https://jobicy.com/categories/engineering.md) Employment type Full Time, Job posted10 Jul 2026Apply before10 Aug 2026Experience level Senior Views / Applies 39 / 3 [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 Software Engineer for its Unsecured Installments team to build borrower-facing web experiences using React and TypeScript. The role involves full-stack development, collaborating with product and design teams to ship features across the borrower journey. The ideal candidate has 4-5+ years of experience, strong React/TypeScript skills, and full-stack expertise. This position offers the chance to work on a business-critical product in a digital-first environment with flexibility and occasional in-person collaboration. Upstart is an AI lending marketplace focused on expanding affordable credit access. ### Role DNA Job Complexity Easy Hard Pace & Pressure Relaxed Fast-paced Autonomy Level Guided Full Ownership Communication Load Independent Highly Collaborative AI Insight Requires strong proficiency in React/TypeScript and full-stack experience with 4-5+ years of professional experience, indicating a high level of technical skill and problem-solving. ### Salary Analysis Median Highly Competitive USD166,300US Market USD100k – 200k 0 USD220k AI Insight The offered salary range of $136,000 to $196,600 is competitive for a senior software engineer role in the US market, aligning with the 75th percentile. The median of $166,300 reflects strong compensation for the required experience and skills. ### 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) [REST APIs](https://jobicy.com/jobs?search_keywords=REST+APIs.md) [GraphQL](https://jobicy.com/jobs?search_keywords=GraphQL.md) [State Management](https://jobicy.com/jobs?search_keywords=State+Management.md) [Web Development](https://jobicy.com/jobs?search_keywords=Web+Development.md) [UX](https://jobicy.com/jobs?search_keywords=UX.md) [Fintech](https://jobicy.com/jobs?search_keywords=Fintech.md) [Testing](https://jobicy.com/jobs?search_keywords=Testing.md) ### Cover Letter Sample Dear Hiring Manager, I am excited to apply for the Software Engineer, Unsecured Installments position at Upstart. Your mission to make borrowing more accessible and fair through AI deeply resonates with me, and I am eager to contribute to building seamless borrower experiences. With over 5 years of professional experience in full-stack development, specializing in React and TypeScript, I have consistently delivered high-quality, user-centric features. I thrive in collaborative environments and have a proven track record of partnering with product and design teams to solve complex problems and drive business impact. In my previous role, I led the development of a customer-facing portal that improved user engagement by 30% through iterative improvements and performance optimizations. I am confident that my technical skills and passion for creating polished, responsive interfaces will allow me to make an immediate impact on the Unsecured Installments team. I look forward to the opportunity to discuss how I can help Upstart achieve its mission. Thank you for your consideration. Copy ### Sample Interview Questions Describe a time you optimized a React component for performance. What steps did you take?In a previous project, I noticed a list component re-rendered excessively. I used React.memo to memoize the component, implemented useCallback for event handlers, and used virtualization with react-window for large lists. This reduced render time by 60%.How do you approach full-stack development? Can you give an example of a feature that required both frontend and backend work?I collaborated on a search feature where I designed the frontend UI with autocomplete and built a backend API endpoint with pagination and fuzzy search. I optimized the database query and cached results, ensuring a smooth user experience.Explain how you would debug a production issue in a React application that only occurs for certain users.I would first check error logs and use tools like Sentry. Then I'd reproduce the issue locally by mimicking the user's environment (browser, device). I'd use React DevTools to inspect state and props, and add console logs or breakpoints. If needed, I'd check network requests and API responses.Describe a situation where you had to work closely with product managers and designers to achieve a challenging deadline.During a feature launch, we had a tight deadline. I organized daily stand-ups with PM and design to align on priorities. I broke down tasks into smaller deliverables and focused on the most critical functionality first. We shipped on time with high quality.How do you ensure the quality and maintainability of your code?I write unit tests using Jest and React Testing Library, and enforce code style with ESLint and Prettier. I participate in code reviews to catch issues early. I also document complex logic and follow consistent component patterns to make the codebase scalable. 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 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-Associate –> use for L3, L4 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$142,000—$196,600 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$136,000—$184,800 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/149109-software-engineer-unsecured-installments.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. 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