Senior Mobile Software Engineer, Cash Line

<div class="content-intro"><p><strong>About Upstart</strong></p> <p>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.</p> <p>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.</p> <p>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.</p> <p>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.</p></div><h3><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;"><strong>The Role</strong></span></h3> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8" data-pm-slice="1 1 []">As a Senior Mobile Software Engineer on Upstart’s Cash Line team, you’ll build mobile experiences for a new consumer credit product that gives customers always-on access to a reusable line of credit they can draw from, repay, and use again in real time. You’ll use React Native to ship high-quality features that directly shape how customers discover, access, and manage Cash Line in the mobile app.</p> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">This is a hands-on role for an engineer who wants to own end-to-end feature delivery, make strong technical decisions, and help define the mobile experience for a foundational new business line at Upstart. You’ll work closely with product, design, backend, and cross-functional partners to build thoughtful, reliable experiences in a space where speed, correctness, and customer trust all matter.</p> <h3><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><strong>The Team</strong></span></h3> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8" data-pm-slice="1 1 []">The Cash Line team is building one of Upstart’s newest consumer products: a revolving credit experience designed to create a more durable, recurring relationship with customers beyond a one-time loan. As part of that work, the team is shaping the mobile experience for a product with broad visibility across the customer journey, from application and approval through ongoing account access and reuse.</p> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">We’re a fast-moving, highly cross-functional team working at the intersection of consumer product, real-time systems, and financial infrastructure. Our engineers partner closely with teams across product, growth, finance, compliance, and capital markets, and we value people who can combine strong product instincts with pragmatic execution in an ambiguous, high-impact environment.</p> <h3><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><strong>What You’ll Do</strong></span></h3> <ul> <li> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">Build and ship user-facing mobile features for <strong>Cash Line</strong> in <strong>React Native</strong> across iOS and Android as the product expands.</p> </li> <li> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">Design mobile components and systems that are scalable, maintainable, and reliable for a product that operates in real time and directly affects customers’ access to credit.</p> </li> <li> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">Partner closely with product, design, and backend engineers to scope, build, and launch experiences that balance customer needs, business goals, and technical quality.</p> </li> <li> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">Help define the mobile experience for a foundational new business line, contributing both to near-term feature delivery and longer-term platform direction.</p> </li> <li> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">Improve mobile developer velocity and product quality through better tooling, testing approaches, release practices, observability, and performance monitoring.</p> </li> <li> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">Work with backend partners to shape APIs and integration patterns that create smooth, resilient client-server experiences.</p> </li> <li> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">Identify and resolve performance, usability, and reliability issues in the mobile product, with a strong focus on long-term maintainability.</p> </li> <li> <p class="wnfdntf _1ibi0s3f3 _1ibi0s3ce _1ibi0s3e8">Contribute to engineering quality through code review, system design discussions, technical planning, and mentorship across the team.</p> </li> </ul> <h3><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><strong>We’re Excited About You Because You…</strong></span></h3> <ul> <li>Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 4 years of experience</li> <li>Have experience building in React Native, and familiarity with at least one native platform (e.g., Swift/Objective-C for iOS or Kotlin/Java for Android).</li> <li>Understand mobile performance, memory management, and platform-specific constraints.</li> <li>Communicate effectively with cross-functional partners in product, design, and backend engineering.</li> <li>Take ownership of your work and are comfortable delivering complex features from planning through release.</li> <li>Balance speed and quality, and advocate for maintainable, scalable engineering solutions.</li> <li>Contribute to team culture and engineering practices through feedback, mentoring, and collaboration.</li> <li>Embrace a growth mindset and enjoy learning from others while helping teammates grow.</li> </ul> <h3><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><strong>Bonus Points If You…</strong></span></h3> <ul> <li>Have helped launch or scale a React Native app on the Android platform.</li> <li>Are comfortable working with TypeScript or custom native modules.</li> <li>Have experience with mobile analytics, push notifications, deep linking, or A/B testing frameworks.</li> <li>Have worked in a fast-paced product company where mobile was a primary user touchpoint.</li> <li>Have contributed to internal tools, processes, or systems that improved mobile developer velocity or code quality.</li> </ul> <p><span style="font-family: helvetica, arial, sans-serif;"><strong><em>Position Location -&nbsp;</em></strong><span style="font-weight: 400;">This role is available in the following locations: Remote, San Mateo, Columbus, Austin&nbsp;</span></span></p> <p><span style="font-family: helvetica, arial, sans-serif;"><strong><em>Time Zone Requirements -</em></strong><span style="font-weight: 400;"> This team operates across all U.S. time zones.</span></span></p> <p><span style="font-family: helvetica, arial, sans-serif;"><strong><em>Travel Requirements -</em></strong> <span style="font-weight: 400;">This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office. If you need to travel to make these meetups, Upstart will cover all travel related expenses.</span></span></p> <p><span style="font-weight: 400; font-family: helvetica, arial, sans-serif;">#LI-REMOTE</span></p> <p><span style="font-weight: 400; font-family: helvetica, arial, sans-serif;">#LI-MidSenior</span></p><div class="content-pay-transparency"><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">At Upstart, your base pay is one part of your total compensation package.&nbsp; 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.</span></p> <p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">United States | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$166,900</span><span class="divider">&mdash;</span><span>$230,900 USD</span></div></div><div class="pay-input"><div class="description"><p><span style="font-weight: 400;">At Upstart, your base pay is one part of your total compensation package.&nbsp; 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.</span></p> <p><span style="font-weight: 400;">In addition, Upstart provides employees with target bonuses, equity compensation, and generous benefits packages (including medical, dental, vision, and 401k).</span></p></div><div class="title">Canada | Remote - Anticipated Base Salary Range</div><div class="pay-range"><span>$153,000</span><span class="divider">&mdash;</span><span>$190,000 CAD</span></div></div></div><div class="content-conclusion"><p><strong>What you'll love</strong></p> <p>At Upstart, our benefits are designed to support your health, financial well-being, family, and personal growth. Here’s what you can expect:</p> <ul> <li>Competitive compensation, including base pay, bonus opportunities, and annual equity grants that vest quarterly</li> <li>Generous 401(k) plan with Upstart matching $2 for every $1 contributed, up to $15,000 per year</li> <li>Employee Stock Purchase Plan (ESPP) with discounted stock purchase options for eligible employees</li> <li>Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose</li> <li>Health Savings Account contributions from Upstart for eligible plans</li> <li>Income protection benefits, including company-paid Basic Life, AD&amp;D, and Short- and Long-Term Disability coverage, with options to purchase supplemental coverage</li> <li>Paid time off, sick and safe time, and company holidays&nbsp;</li> <li>Paid family and parental leave to support caregiving and major life moments</li> <li>Family-centered benefits through Carrot and Cleo, supporting fertility, parenthood, and caregiving</li> <li>Employee Assistance Program (EAP) offering mental health support and life-centered resources</li> <li>Financial wellness resources, including access to financial planning tools and a financial concierge service</li> <li>Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you</li> <li>Annual productivity allowance to invest in relevant tools and resources you need to do your best work, no matter where you work from</li> <li>Connection and community through team events and onsites, all-company updates, and employee resource groups (ERGs)</li> <li>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!).</li> </ul> <p>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.</p> <p><span style="font-weight: 400;"><em>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 </em><a href="mailto:candidate_accommodations@upstart.com"><em>candidate_accommodations@upstart.com</em></a></span></p> <p><span style="font-weight: 400;"><a href="https://www.upstart.com/candidate_privacy_policy">https://www.upstart.com/candidate_privacy_policy</a></span></p></div>