Full-Time

Senior Software Engineer

Servicing

Confirmed live in the last 24 hours

Upstart

Upstart

1,001-5,000 employees

AI lending marketplace for personal loans

Fintech
AI & Machine Learning
Financial Services

Compensation Overview

$160.4k - $222kAnnually

+ Bonus + Equity Compensation

Senior

Remote in USA

Employees can live and work anywhere in the U.S but are encouraged to collaborate in-person through regular onsites.

Category
Backend Engineering
FinTech 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 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 Stage

IPO

Total Funding

$132M

Headquarters

San Mateo, California

Founded

2012

Growth & Insights
Headcount

6 month growth

0%

1 year growth

-5%

2 year growth

-16%
Simplify Jobs

Simplify's Take

What believers are saying

  • Increased adoption of AI lending by credit unions boosts Upstart's market presence.
  • Blue Owl Capital's $2 billion loan purchase highlights investor confidence in Upstart.
  • Rising demand for small-dollar loans expands Upstart's product reach.

What critics are saying

  • Traditional banks adopting AI could erode Upstart's market share.
  • Regulatory scrutiny on AI lending practices may impact Upstart's operations.
  • Economic downturns could lead to higher loan default rates affecting Upstart.

What makes Upstart unique

  • Upstart uses AI to assess creditworthiness beyond traditional credit scores.
  • Over 80% of Upstart's borrowers are approved instantly without documentation.
  • Upstart partners with over 100 banks and credit unions for diverse lending options.

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