Full-Time

Senior Application Security Engineer

Confirmed live in the last 24 hours

Upstart

Upstart

1,001-5,000 employees

AI lending marketplace for personal loans

Compensation Overview

$163.3k - $226.4k/yr

+ Bonus + Equity Compensation

Senior

Company Historically Provides H1B Sponsorship

Austin, TX, USA + 3 more

More locations: San Mateo, CA, USA | Remote in USA | Columbus, OH, USA

Regular on-site collaboration sessions occur 3 days per quarter at an Upstart office.

Category
Cybersecurity
IT & Security
Required Skills
Python
Ruby
Java
Requirements
  • 3+ years of experience in an application security or security engineering-focused role
  • An IT/CS degree or equivalent knowledge
  • Experience in Java, Python or Ruby development
  • Knowledge of industry standard authentication and authorization protocols (TLS, SAML, etc)
  • Previous usage or knowledge of SAST/DAST and vulnerability scanners
  • Understanding of Full Stack Development, SDLC, and CI/CD pipelines
  • Understanding of network stack and common protocols
  • A self-starter who is comfortable getting hands-on and engaging in all areas of product security, from ideation to deployment.
  • Ability to collaborate cross-functionally and communicate effectively with highly technical teams
Responsibilities
  • Work closely with our engineering and data science teams to securely design and implement new products and features, including the development and maintenance of threat models for high-risk functionality.
  • Set up a regular vulnerability scanning tools and manage remediation of identified issues
  • Support teams with vulnerability remediation efforts, including the design of remediation strategies.
  • Assess the threat model for cloud native infrastructures and applications
  • Identify and design company-wide security controls and solutions.
  • Operate as an integral member of the engineering team and advocate for security best practices across the organization
  • Help identify Upstart’s internal and external attack surface in a dynamic environment
Desired Qualifications
  • 7+ years of experience in a high-security environment
  • MS degree or equivalent knowledge
  • Certification in IT or cybersecurity (e.g. OSCP, OSCE, OSWE)
  • Experience conducting product/application level security audits, penetration tests, and security focused code reviews
  • AWS, K8s and CI/CD pipeline experience
  • Contributions to the security industry (e.g. whitepaper, security advisories, OSS projects, patents)

Upstart connects consumers with banks and credit unions through its AI-driven lending marketplace. The platform uses advanced AI models to assess borrowers' creditworthiness, allowing lenders to approve more loans at lower rates without bias based on race, age, or gender. Borrowers benefit from a digital-first experience, with over 80% receiving instant approval without needing to provide documentation. Upstart offers various financial products, including personal loans, automotive loans, home equity lines of credit, and small-dollar relief loans. What sets Upstart apart from its competitors is its focus on using AI to enhance the lending process, making it faster and more accessible. The company's goal is to improve access to credit for all consumers while ensuring a fair lending process.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

San Mateo, California

Founded

2012

Simplify Jobs

Simplify's Take

What believers are saying

  • Recent partnerships with credit unions show growing trust in Upstart's AI lending.
  • Blue Owl Capital's $2 billion loan acquisition indicates confidence in Upstart's portfolio.
  • Convertible notes issuance provides capital for expansion and debt repayment.

What critics are saying

  • Rising interest rates may reduce demand for Upstart's loans.
  • Regulatory scrutiny on AI models could increase compliance costs.
  • Economic downturns could lead to higher default rates, affecting profitability.

What makes Upstart unique

  • Upstart uses AI to approve over 80% of borrowers instantly without documentation.
  • The platform considers non-traditional variables like education and work experience for credit decisions.
  • Upstart offers diverse financial products, including personal, auto, and home equity loans.

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Benefits

Health Insurance

401(k) Company Match

Employee Stock Purchase Plan

Life Insurance

Paid Vacation

Parental Leave

Flexible Work Hours

Wellness Program

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

-1%
Business Wire
Feb 19th, 2025
Holyoke Credit Union Selects Upstart for Personal Lending

Holyoke Credit Union selects Upstart for personal lending.

Stock Titan
Jan 8th, 2025
Sandia Area Federal Credit Union Selects Upstart for Personal Lending

Sandia Area Federal Credit Union selects Upstart for personal lending.

Stock Titan
Dec 4th, 2024
Advia Credit Union Selects Upstart for Personal Lending

Advia Credit Union, a major credit union with $3 billion in assets and nearly 200,000 members across Michigan, Wisconsin, and Illinois, has partnered with Upstart (NASDAQ: UPST) to expand its personal lending services.

Financial Pinnacle
Nov 21st, 2024
DR Bank Chooses Upstart's Small-Dollar Loan Product to Expand Access to Credit

DR Bank chooses Upstart's small-dollar loan product to expand access to credit.

Stock Titan
Nov 13th, 2024
Upstart Raises $425M in Convertible Notes

Upstart Holdings (NASDAQ: UPST) has announced the pricing of a $425 million offering of 1.00% Convertible Senior Notes due 2030 in a private sale to qualified institutional buyers. The notes, with an initial conversion rate of 10.8702 shares per $1,000 principal amount (approx. $91.99 per share), will mature on November 15, 2030. Upstart expects net proceeds of about $414.8 million, intended for general corporate purposes, including potential debt repayment. An additional $75 million option was granted to initial purchasers.