Senior Software Engineer, Home Lending

Upstart

Confirmed live today High trust
Remote

Quick summary

Work type
Remote
Location
Remote
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

Senior Software Engineer, Home Lending joins the Home Lending Borrower Experience team to support the end-to-end borrower journey, including application, decisioning, and closing. You will own the reliability, quality, and forward momentum of borrower-facing systems, making technical decisions that balance speed, risk, and maintainability. Daily responsibilities include building and improving systems that support home lending applications, owning production quality through observability and error reduction, and leading technical designs for multi-quarter projects. You will partner with Product, Design, Data, Machine Learning, Servicing, and Operations to deliver solutions for complex lending workflows. Required skills include professional software engineering experience, production software maintenance for consumer-facing web applications, and backend or user interface engineering. You will solve technical problems related to high-volume conversion flows and 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 closing.
  • 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.
  • Partner with cross-functional teams 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).

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