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# Senior Software Engineer, Unsecured Installments

- **Company:** Upstart
- **Location:** United States (Remote available)
- **Experience:** Expert
- **Salary:** $166,900.0 - $230,900.0
- **Contract:** Permanent contract
- **Skills:** Java (Programming Language), Application Programming Interfaces (APIs), Artificial Intelligence, Cloud Computing, Code Review, Continuous Integration, Data Integrity, Relational Databases, Distributed Systems, Python (Programming Language), Enterprise Messaging Systems, Node.Js, Performance Tuning, Ruby, Service-Oriented Architecture, Software Engineering, Systems Integration, TypeScript, ReactJS, Backend, Kotlin, Event Driven Architecture, Information Technology, Non-relational Database, Front End Software Development, Api Design, Golang
- **Published:** October 15, 2026
- **Apply:** https://www.indeed.com/viewjob?jk=1c26556e48dbf5f1

## About the Role

* 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 designing and building backend services and APIs in a language such as Python, Java, Kotlin, Go, Ruby, or Node.js.
 * Strong experience with service architecture, API design, data modeling, relational or non-relational databases, and distributed systems.
 * Track record of independently leading the design and delivery of large, business-critical backend or full-stack projects in production.
 * Experience building reliable production systems, including testing, monitoring, incident response, performance optimization, and long-term operational ownership.
 * 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 and engineering partners., * Experience serving as the backend or full-stack technical lead for a product team or business-critical system.
 * Experience building consumer-facing products or high-volume transactional systems with strong requirements around reliability, scalability, correctness, and security.
 * Background in fintech, lending, payments, or other regulated financial products involving complex workflows and high quality expectations.
 * Experience with distributed systems, asynchronous processing, event-driven architectures, or service-oriented architectures.
 * Familiarity with cloud infrastructure, relational and non-relational data stores, messaging systems, and CI/CD workflows.
 * Experience with experimentation, feature flagging, or platform capabilities that support iterative product improvements in production.
 * 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.

## Description

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 backend and full-stack initiatives, from planning and sequencing through launch and long-term maintenance.
 * Set technical direction for the team's service architecture, APIs, data models, and system integrations, owning a 3-6 month roadmap and proactively addressing systemic gaps that threaten reliability or team effectiveness.
 * Partner closely with product, frontend, design, platform, and other backend engineers to translate roadmap priorities and borrower needs into scalable, high-quality systems.
 * Raise the bar for engineering excellence through thoughtful service and API design, data integrity, testing, observability, security, and operational rigor across business-critical lending workflows.
 * Lead through ambiguity by breaking down loosely defined problems into clear, testable plans and using data to inform tradeoffs involving scope, scalability, performance, reliability, and customer 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.