Senior Software Engineer, Auto

How you’ll make an impact

• Build and improve product features that expand access to Upstart’s Auto Secured Personal Loan product and support growth in originations.
• Design and deliver customer-facing funnel improvements, eligibility logic, and workflow automation that improve borrower experience and operational efficiency.
• Partner with product, operations, risk, and engineering teams to evaluate tradeoffs across customer experience, risk, complexity, and speed to market.
• Develop durable, scalable engineering solutions that create leverage for future secured lending product expansion.
• Contribute to the team’s technical direction by identifying implementation risks, improving execution standards, and communicating progress and decisions clearly.
• Support high-quality delivery in a regulated environment through thoughtful system design, testing, observability, and cross-functional alignment.

Minimum Qualifications

• Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent practical experience, and 4+ years of software engineering experience.
• Experience designing, building, testing, and deploying production software systems.
• Experience developing customer-facing product features, platform capabilities, or backend services in a production environment.
• Experience working with cross-functional partners such as product management, design, analytics, operations, legal, or compliance.
• Experience making technical tradeoffs across system reliability, maintainability, scalability, and product delivery timelines.

Preferred Qualifications

• Knowledge of consumer lending, fintech, marketplace, or regulated product environments.
• Experience building or improving conversion funnels, eligibility systems, decisioning workflows, or operational automation.
• Ability to work through ambiguous product and technical problems by using data, judgment, and clear communication.
• Skills in influencing technical direction and aligning stakeholders without direct authority.
• Experience developing systems that balance customer experience, compliance needs, risk controls, and long-term engineering quality.