Senior Software Engineer, Home Lending

Upstart

Confirmed live today High trust
Remote

Quick summary

Work type
Remote
Location
Canada
Salary
$166,900–$230,900 / yr
Posted
147 days ago
Freshness
Confirmed live today
Closes
Jan 22, 2027

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $175k
This role $199k
$106k $244k
below market most similar roles pay here above market

This role pays more than 74% of similar roles. Most pay $149,500–$201,250 — the blue band above. At the midpoint, this role pays about $199k versus about $175k for comparable roles.

Based on 240 similar postings.

Employer

About Upstart

Upstart is an AI lending platform that partners with banks and credit unions to expand access to affordable credit using non-traditional variables.

Upstart currently has 54 open roles on FindRole.

Listed pay typically runs $166,900–$230,900 across 53 roles with salary data.

Most-posted roles

View all roles at Upstart

At a glance

TL;DR · Senior Software Engineer, Home Lending

JOB TITLE: Senior Software Engineer, Home Lending As a Senior Software Engineer on the Home Lending Borrower Experience team, you will own the reliability, quality, and forward momentum of borrower-facing systems. You will build and improve systems supporting the application, decisioning, and closing experience for home lending products. Your day-to-day involves leading technical designs for multi-quarter projects, managing production quality through observability and error reduction, and providing on-call support. You will partner with Product, Design, Data and Machine Learning, Servicing, and Operations to deliver solutions for complex lending workflows. The role requires experience in backend or user interface engineering for consumer-facing web applications. You must demonstrate the ability to manage high-volume conversion flows and use product metrics, funnel data, and engineering judgment to prioritize technical work within regulated consumer finance products.

What does a Software Engineer earn in Remote?

Median $208800 from 354 postings across 50 companies.

See salary data

What you'll do

  • Build and improve borrower-facing systems for home lending applications, decisions, and closings.
  • Own production quality for critical borrower flows, including reliability, observability, and error reduction.
  • Provide on-call support and manage incident response for production systems.
  • Lead technical design and implementation for multi-quarter projects to improve borrower conversion and satisfaction.
  • Make technical tradeoffs to balance near-term delivery with long-term system maintainability.
  • Improve team execution through code reviews, technical guidance, and documentation.
  • Provide technical recommendations to cross-functional partners to deliver solutions across complex lending workflows.

What we're looking for

  • Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field or its equivalent.
  • 4 years of professional software engineering experience.
  • Experience building and maintaining production software systems for consumer-facing web applications.
  • Experience with backend or user interface engineering in a production environment.
  • Experience owning production systems, including operational support, incident response, or on-call responsibilities.
  • Experience independently driving multi-quarter engineering projects from technical design through delivery.
  • Knowledge of financial technology, lending, home lending, or other regulated consumer finance products (preferred).
  • Experience working on application funnels, borrower journeys, or high-volume conversion flows (preferred).

More like this

Similar roles

Senior Software Engineer, Home Lending

Upstart

Remote 147 days ago $166,900–$230,900
User Interface Engineering Machine Learning Observability Incident Response Code Reviews Technical Design Production Systems Web Applications
4+ yrs exp Remote

Senior Software Engineer, Unsecured Installments

Upstart

Remote (Burlingame, CA) 110 days ago $166,900–$230,900
React TypeScript Python Java Kotlin Ruby Node.js GraphQL Jest React Testing Library Cypress CI/CD Generative AI A/B Testing feature-flagging
6+ yrs exp Remote

Senior Software Engineer, Lending

Chime

New York, NY +1 90 days ago $164,000–$259,000
Ruby on Rails Distributed Systems APIs Transactional Databases Asynchronous Processing Caching System Design Observability Data Contracts AI
8+ yrs exp Hybrid

Java AI Mortgage Lead Software Engineer

JPMorgan Chase

Columbus, OH +2 6 days ago
Java React Angular AWS Python CI/CD Agile System Design Software Development Life Cycle AI-assisted engineering Automated Testing Application Resiliency Security Root-cause analysis
5+ yrs exp

Senior Software Engineer, Finance Engineering

Apple Inc

San Francisco, CA 4 days ago $184,700–$324,800
Java Spring Boot Spring MVC Spring Security Spring Data Spring Cloud WebFlux Microservices RESTful API gRPC GraphQL OpenAPI Swagger Protobuf Kafka RabbitMQ ActiveMQ Event Sourcing CQRS Oracle MySQL Cassandra MongoDB Elasticsearch OpenSearch JVM GenAI
6+ yrs exp