Senior Software Engineer, Borrower Experience

Role Overview

Senior Software Engineer on Upstart’s Borrower Experience (BX) team, building and evolving borrower-facing servicing experiences across web, mobile, and AI-powered channels. You’ll design and deliver scalable, high-impact solutions that reduce borrower friction and improve payment success through clear, self-serve paths post-origination.

Responsibilities

• Design and deliver borrower-facing features across web, mobile, and AI-powered experiences to improve self-service outcomes and payment success
• Translate servicing workflows into intuitive, scalable product experiences that reduce friction and inbound contact volume
• Build and maintain full-stack systems, integrating backend services with modern frontend frameworks
• Drive experimentation using A/B testing, analytics, and observability to improve borrower outcomes
• Partner cross-functionally with Product, Design, Analytics, and Engineering to deliver high-quality solutions
• Contribute to architecture and lead initiatives that unify systems into a cohesive borrower experience

Requirements

• 4+ years of professional software engineering experience building scalable web and/or mobile applications
• Proficiency in one or more programming languages and modern development frameworks
• Experience designing/building APIs, microservices, and distributed systems in a cloud environment
• Bachelor’s degree in CS/Engineering/Math (or equivalent) plus 4+ years experience

Nice to Have

• Experience building/integrating LLM-powered or agentic systems
• Familiarity with experimentation platforms and analytics tooling
• Experience with customer-facing financial/fintech products
• Strong knowledge of modern frontend frameworks and deployment platforms
• Ability to design systems with reliability, safety, and explainability considerations