Full-Time

Senior Software Engineer

Servicing

Confirmed live in the last 24 hours

Upstart

Upstart

1,001-5,000 employees

AI lending marketplace connecting consumers and banks

Consumer Software
Fintech

Compensation Overview

$160.4k - $222kAnnually

+ Bonus + Equity Compensation

Senior

United States

Encouraged to spend time in-person for collaboration.

Category
Backend Engineering
Full-Stack Engineering
Software Engineering
Required Skills
Kotlin
Ruby on Rails
Requirements
  • 5+ years of professional software development experience
  • Technical leadership experience with deep understanding of code release, deployment orchestration / rollout mechanisms, logging, instrumentation, monitoring, and alerting in a microservices environment
  • Experience designing, developing, and deploying microservices-based applications
  • Strong sense of ownership and accountability for the quality and timely delivery of work
  • Demonstrated ability to take feedback well and actively incorporate it into work, showing a growth mindset and a desire to continuously improve
  • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
  • Experience with Ruby on Rails or Kotlin
Responsibilities
  • Lead successful cross-team and/or multi-quarter, multi-engineer projects
  • Move quickly to drive both existing and greenfield projects forward, while always keeping our end users in mind
  • Proactively search out ways to expand impact that extends well beyond the Jira board
  • Turn team-specific projects into opportunities to up-level the team and the org’s tech platform
  • Help us continue building our engineering team and keep Upstart a genuinely awesome place to work

Upstart connects consumers with banks and credit unions through its AI-driven lending marketplace. The platform uses advanced AI models to assess borrower eligibility, allowing over 80% of applicants to receive instant approval without needing to submit 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 providing a fair lending process that does not discriminate based on race, age, or gender, while ensuring a smooth digital experience for users. The company's goal is to make credit more accessible and affordable for everyone.

Company Stage

IPO

Total Funding

$132M

Headquarters

San Mateo, California

Founded

2012

Growth & Insights
Headcount

6 month growth

-2%

1 year growth

-5%

2 year growth

-16%
Simplify Jobs

Simplify's Take

What believers are saying

  • Upstart's Model 15.0 shows a significant 15% improvement in accuracy, indicating strong technological advancements.
  • The company's expansion into home equity lines of credit (HELOC) opens new revenue streams and market opportunities.
  • Partnerships with credit unions like Diamond, Seattle, and Kaua'i Federal Credit Unions highlight Upstart's growing influence in the financial sector.

What critics are saying

  • Upstart has faced significant funding challenges, leading to layoffs and potential instability.
  • The company's stock has experienced a dramatic 94% plunge, raising concerns about its financial health.

What makes Upstart unique

  • Upstart leverages advanced AI algorithms to offer personalized lending solutions, setting it apart from traditional lenders.
  • The company's Recognized Customer Personalization (RCP) tool allows banks to customize loan offers, enhancing customer satisfaction and engagement.
  • Upstart's partnerships with multiple credit unions demonstrate its ability to integrate seamlessly into existing financial ecosystems.

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