Senior Software Engineer, Home Lending

Upstart

Confirmed live 2 days ago Low trust
Remote

Quick summary

Work type
Remote
Location
Remote
Salary
$166,900–$230,900 / yr
Posted
101 days ago
Freshness
Confirmed live 2 days ago
Closes
Dec 8, 2026

Market check

Salary context

Above market

How this pay compares to similar roles

Similar $174k
This role $199k
$106k most similar roles pay here $248k

This role pays more than 75% of similar roles. Most pay $149,922–$198,900 — the shaded band above. At the midpoint, this role pays about $199k versus about $174k 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 73 open roles on FindRole.

Listed pay typically runs $166,900–$230,450 across 72 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 processes. This role focuses on building and maintaining borrower-facing systems that impact customer satisfaction and product scalability. You will own production quality for critical flows by managing reliability, observability, error reduction, and on-call support while making technical decisions regarding speed, risk, and maintainability. Collaborating with Product, Design, Data, Machine Learning, Servicing, and Operations teams, you will lead multi-quarter projects to improve conversion and product quality. The role requires experience in backend or user interface engineering for consumer-facing web applications, as well as expertise in high-volume conversion flows and complex live systems. You will utilize engineering judgment and data to navigate the complexities of regulated consumer finance products and lending workflows.

What does a Software Engineer earn in Remote?

Median $204500 from 415 postings across 57 companies.

See salary data

What you'll do

  • Build and improve borrower-facing systems for application, decisioning, and closing experiences.
  • Own production quality for critical 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 conversion and satisfaction.
  • Make technical trade-offs that balance immediate delivery with long-term system maintainability.
  • Improve team execution through code reviews, documentation, and establishing engineering standards.
  • Partner with cross-functional teams like Product, Design, and Data to deliver complex lending solutions.

What we're looking for

  • Bachelor’s degree in Computer Science, Engineering, Mathematics, or a related field.
  • 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.
  • Experience working on application funnels, borrower journeys, or high-volume conversion flows.

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