Software Engineer, Conversion

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 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 funding form and got rate page, 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. This is a high-impact team with ambitious goals and significant headcount growth planned. How you’ll make an impact Deliver critical user-facing features that improve loan application and rate check experiences—directly driving improvements in conversion and funding form submission metrics. Maintain full-stack web applications through monitoring of key system metrics such as latency and error rates at scale Help define and build the next-generation, platform 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) 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. 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). Experience operating in a microservices-based architecture. Experience in fintech or other highly regulat…