This role involves shaping mobile development at Upstart through leadership in scaling React Native architecture and driving impactful features across teams.
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.
As a Principal Mobile Software Engineer at Upstart, you’ll sit at the intersection of mobile platform and product development. You’ll lead efforts to scale and refine our React Native architecture while partnering closely with product, design, and backend teams to ship impactful, high-quality features.
You’ll define technical direction, improve developer experience, and mentor other engineers — all while helping Upstart grow into a truly mobile-first company. This is a highly cross-functional role with visibility across the stack and deep influence on how we build and deliver mobile software.You’ll play a key role in shaping how mobile is built and scaled at Upstart — helping define mobile as a core product pillar and driving impact across teams and surfaces.
The Mobile team at Upstart is building the future of our user experience. Today, we have a live iOS app built in React Native, and we’re actively planning our Android expansion. Our platform is still early-stage, which means there's a huge opportunity to influence architecture, best practices, performance, and product velocity.
We move quickly, collaborate tightly with backend and design, and care deeply about quality — not just in the UI, but in the systems that power a great user experience.
Position Location - This role is available in the following locations: Remote, San Mateo, Columbus, Austin
Time Zone Requirements - This team operates across all U.S. time zones.
Travel Requirements - 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.
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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).
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:
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]
Education Stipend
Annual wellness allowance to support your physical and emotional well-being and personal development, based on what matters most to you
Health Insurance
Affordable medical, dental, and vision coverage, with multiple plan options - Upstart covers 90% to 100% of the cost depending on the plans you choose
Paid Parental Leave
Paid family and parental leave to support caregiving and major life moments
Paid Time Off
Paid time off, sick and safe time, and company holidays
Remote-Friendly
We’re proudly digital-first, giving most Upstarters the flexibility to do their best work from wherever they thrive.
Upstart builds an AI-driven lending marketplace that simplifies borrowing for personal loans, auto refinancing, and debt consolidation. Focused on serving everyday Americans, Upstart leverages advanced technology to make credit more accessible and affordable. We're not just another loan provider; we're reshaping how people approach borrowing, creating a clearer path to financial empowerment.
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