Software Engineer ( React, Typescript)

About the Company

Upstart is an AI-powered lending marketplace working to reduce the cost and complexity of borrowing for Americans. The company partners with banks and credit unions to expand access to affordable credit through advanced technology and data-driven decision-making.

Its platform uses more than 3,000 signals to generate over one million predictions per borrower, helping financial institutions make smarter lending decisions. Upstart operates as a digital-first company, with employees working across more than 80 cities in the United States and Canada. Team members can work remotely or collaborate from offices in Columbus, Austin, the Bay Area, and New York City, with regular in-person team gatherings.

About the Role

Upstart is hiring a Software Engineer for its Distribution Platform team to develop scalable technology that supports marketing outreach across digital advertising, direct mail, and partner integrations. The team is building a unified platform that helps Upstart engage customers more effectively by delivering relevant content through the right channels.

In this role, you will collaborate with Product, Analytics, Marketing, Design, and Machine Learning teams to build systems that connect users with Upstart's products. You will also contribute to architectural decisions that improve software reliability, scalability, and maintainability.

Key Responsibilities

• Collaborate with product managers, designers, machine learning engineers, analytics teams, and marketing managers to design and deliver high-quality products across multiple marketing channels.
• Design and build scalable, efficient technology for delivering marketing content to users.
• Contribute to architectural decisions that improve software reliability and maintainability.
• Develop solutions that support the Distribution Platform's marketing channels and help connect users with relevant products.
• Work with cross-functional teams to deliver technology that supports effective, scalable marketing outreach.

Required Qualifications

• Bachelor's degree in Computer Science, Engineering, Mathematics, or a related field, or equivalent qualification, along with at least 3 years of experience.
• Strong proficiency in one or more programming languages, such as Ruby, Java, Kotlin, Python, or JavaScript.
• Experience building scalable APIs and microservices in a cloud-based environment, such as AWS or Google Cloud Platform.
• Experience leading small to medium-sized projects over multiple months and/or coordinating work across multiple engineers.
• Excellent written and verbal communication skills, with the ability to work effectively in a distributed team.

Preferred Qualifications

• Experience working with systems that integrate with third-party services and/or ingest, store, and expose large volumes of data.
• Experience with SQL, data warehouses, or other database technologies.
• Professional experience with digital advertising platforms such as Google Ads or Meta Ads.
• Professional experience with Ruby on Rails and/or Kotlin.
• Experience or interest in React, TypeScript, or other frontend technologies.
• Experience in marketing technology or growth engineering.

Salary & Benefits

The anticipated U.S. remote base salary range is $142,000 to $196,000 per year. Actual compensation depends on geographic location, job-related skills, experience, and relevant education or training. Compensation varies by region, and recruiters can provide location-specific salary details during the hiring process.

Additional compensation and benefits include:

• Competitive compensation, target bonuses, and annual equity grants that vest quarterly.
• Retirement savings plans, including a 401(k) or Group Retirement Savings Plan, with a company match of $2 for every $1 contributed, up to $15,000 annually in the applicable currency.
• Employee Stock Purchase Plan with discounted stock purchase options for eligible U.S. employees.
• Comprehensive medical, dental, vision, and wellness benefits in the United States, with supplemental health coverage in Canada.
• Health Savings Account contributions for eligible U.S. plans.
• Life insurance and disability coverage.
• Paid time off, sick leave, and company holidays in accordance with local requirements.
• Paid family and parental leave, with duration varying by country.
• Family-focused benefits supporting fertility, parenthood, and caregiving.
• Employee Assistance Program offering mental health support and other personal resources.
• Financial wellness resources, including financial planning tools and a financial concierge service for U.S. employees.
• Annual wellness allowance supporting physical and emotional well-being and personal development.
• Annual productivity allowance for work-related tools and resources.
• Team events, company-wide updates, and employee resource groups.
• Catered lunches and stocked micro-kitchens for employees working from the Bay Area, Austin, Columbus, and New York City offices.

Work Arrangement & Travel Requirements

This is a remote position. Most work can be completed remotely, and employees based in the United States can generally work from anywhere in the country. Team members are encouraged to participate in regular in-person gatherings, with most teams meeting once or twice per quarter for two to four consecutive days. The frequency of these sessions varies by team and role.

For positions based in Canada, Upstart is currently unable to hire candidates located in Quebec.

Equal Opportunity & Accommodations

Upstart is an Equal Opportunity Employer committed to inclusive and fair hiring practices. Candidates who require reasonable accommodation during the application process, interviews, pre-employment testing, or other stages of the selection process may contact the company through its designated accommodation channel.