Senior Mobile Engineer

Within Upstart's Small Dollar Loans, we're building an exciting new product, bolstering our mission of putting technology to work for everyday Americans—not to fabricate demand or profit from hardship, but to empower people with the tools and access they need to anticipate, adapt, and ultimately to gain control over their financial lives - something that's desirable up and down the income spectrum. We believe AI can be an agent for opportunity and that financial systems should serve people, not the other way around. We're building a new, AI-native team from the ground up, rethinking how we collaborate and the tools we use. We're looking for engineers who thrive in early-stage environments, take pride in their craft, and are driven to make a real impact. And we believe great products come from teams that enjoy the journey, so we're committed to building with joy, conviction, and care. As a Senior Mobile Engineer at Upstart, you will build features which engage our borrowers where they are, on mobile devices. You will lead projects which align the Upstart mobile strategy and with the Small Dollar Loan strategy. You will help move the Upstart Mobile platform forward, adding more capabilities to allow all Upstart verticals to build mobile features. This role will report initially to the VP of Engineering for Small Dollar Loans. How you'll make an impact: Build high quality mobile and web features for the Small Dollar Loans product to engage and delight our customers Lead projects from requirements, through design, and into the hands of our customers Mentor other engineers Collaborate with other engineers on developing northstar designs and engineering strategy Review code from other engineers within the team and across Upstart What we're looking for: Minimum requirements: 4+ years of experience developing mobile applications professionally 2+ years of experience developing full stack web applications professionally Fluency with React Native, and a proven experience building successful React Native mobile apps from inception to launch Proficiency with either Kotlin, Ruby, Python, or TypeScript and at least one other programming language Passionate about the end-user experience, exhibiting a product-oriented mindset Depth of experience in mobile and software development principals and best practices for creating scalable and maintainable systems Proven ability to effectively analyze and solve complex problems Preferred qualifications: AI-native experience leveraging AI tooling to help improve development efficiency, processes, collaboration, or communication Strong sense of ownership and accountability for the quality and timely delivery of work Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics Demonstrated ability to take feedback well and actively incorporate it into work with a desire to continuously improve

Upstart is the leading AI lending marketplace partnering with banks and credit unions to expand access to affordable credit. By leveraging Upstart's AI marketplace, Upstart-powered banks and credit unions can have higher approval rates and lower loss rates across races, ages, and genders, while simultaneously delivering the exceptional digital-first lending experience their customers demand. More than 80% of borrowers are approved instantly, with zero documentation to upload. Upstart is a digital-first company, which means that most Upstarters live and work anywhere in the United States. However, we also have offices in San Mateo, California; Columbus, Ohio; and Austin, Texas. Most Upstarters join us because they connect with our mission of enabling access to effortless credit based on true risk. If you are energized by the impact you can make at Upstart, we'd love to hear from you!