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About Upstart
At Upstart, we’re united by a mission that matters: to radically reduce the cost and complexity of borrowing for all Americans. Every day, we bring creativity, experimentation, and advanced AI to reshape access to credit, helping millions move forward financially with clarity and confidence.
As the leading AI lending marketplace, we partner with banks and credit unions to expand access to affordable credit through technology that’s both radically intelligent and deeply human. Our platform runs over one million predictions per borrower using more than 1,800 signals, powering smarter, fairer decisions for millions of customers. But the numbers only hint at the impact. Every idea, every voice, and every contribution moves us closer to a world where credit never stands between people and their financial progress.
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive, alongside teammates across 80+ cities in the US and Canada. Digital-first doesn’t mean distant. We’re intentional about in-person connection through team onsites, planning sessions, and moments that spark creativity and trust. And whether you choose to work primarily from home or collaborate in-person from one of our offices in Columbus, Austin, the Bay Area, or New York City (opening Summer 2026), you’ll have the support to work in the way that works best for you.
If you’re energized by tackling meaningful problems, excited to innovate with purpose, and motivated by work that truly matters, we’d love to hear from you.
The Team:
The Conversion Engineering team sits at the intersection of product performance and business growth at Upstart. We are responsible for optimizing how borrowers move through the application journey—from rate check to funding—directly impacting Conversion Rate, one of the company’s most important operating metrics and a key driver of revenue.
As a Senior Software Engineer on the Conversion Engineering team, you will play a critical role in building and evolving the core borrower experiences that drive ~80% of company revenue. You’ll work on highly visible, user-facing systems such as the unified rate page and funding flows across product lines, helping to shape both the technical direction and execution of key initiatives.
Our team builds and iterates on high-impact experiences while partnering closely with Product, Design, and Machine Learning to launch new product flows, ship model upgrades, and continuously test and personalize borrower journeys. We are entering a critical phase of platform consolidation—unifying pricing systems across products and building a shared funding form architecture—while continuing to move quickly on new feature development. This is a high-impact team with ambitious goals and significant headcount growth planned.
How you’ll make an impact
- Lead end-to-end delivery of critical, user-facing features that improve loan application and rate check experiences—directly driving improvements in conversion and funding form submission metrics.
- Rapidly iterate on the new unified rate page by expanding product coverage, launching new features, and improving performance and usability.
- Contribute to the backend consolidation of pricing logic into a unified system, improving maintainability, consistency, and speed of experimentation across products.
- Help define and build the next-generation, platformized funding form that supports multiple products, contributing to architectural direction and long-term scalability.
- Strengthen engineering excellence by improving system performance, reliability, and on-call health for the features you build and own.
Minimum Qualifications
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience
- Experience delivering end-to-end features across frontend and backend systems, including APIs and microservices.
- Strong frontend development experience building customer-facing web applications with a focus on performance, usability, and experimentation.
- Demonstrated end-to-end ownership of multi-month initiatives, from technical design through launch and iteration.
- Experience working in cross-functional environments with Product, Design, and other engineering teams.
Preferred Qualifications
- Experience improving conversion funnels or other high-scale, metrics-driven user journeys through experimentation (e.g., A/B testing, personalization).
- Background in consolidating or platformizing systems (e.g., unifying pricing logic or shared frontend architectures across multiple products).
- Experience operating in a microservices-based architecture and contributing to architectural direction.
- Track record of improving engineering processes, mentoring teammates, and raising the bar on technical excellence.
- Experience in fintech or other highly regulated, high-availability environments.
Position location This role is available in the following locations: Remote
Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.
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At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
At Upstart, your base pay is one part of your total compensation package. The anticipated base salary for this position is expected to be within the below range. Your actual base pay will depend on your geographic location–with our “digital first” philosophy, Upstart uses compensation regions that vary depending on location. Individual pay is also determined by job-related skills, experience, and relevant education or training. Your recruiter can share more about the specific salary range for your preferred location during the hiring process.
In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).
What you'll love
At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:
- Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly
- Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year
- Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees
- Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
- Health Savings Account contributions from Upstart for eligible plans
- Income protection benefits, including company-paid Basic Life, AD&D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage
- Paid time off, sick and safe time, and company holidays
- Paid family and parental leave to support caregiving and major life moments
- Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving
- Employee Assistance Program (EAP) offering mental health support and life-centered resources
- Financial wellness resources, including access to financial planning tools and a financial concierge service
- Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
- Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from
- Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)
- Onsite perks, including catered lunches and fully stocked micro-kitchens when working from one of our four offices, located in the Bay Area, Austin, Columbus, and New York City (opening Summer 2026!).
Upstart is a proud Equal Opportunity Employer. Just as we are dedicated to improving access to affordable credit for all, we are committed to inclusive and fair hiring practices.
If you require reasonable accommodation in completing an application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please email [email protected]
https://www.upstart.com/candidate_privacy_policy
Upstart San Mateo, California, USA Office
Upstart's office in San Mateo is located on the peninsula between San Francisco and the South Bay with easy Caltrain access and proximity to several apartment complexes. The office is close to several shopping donations including an outdoor beer garden.
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