Full-Time

Senior Software Engineer

Machine Learning Platform

Posted on 6/8/2024

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

Available in San Mateo, Columbus, Austin, and fully remote.

Category
Applied Machine Learning
AI & Machine Learning
Backend Engineering
Software Engineering
Required Skills
Kubernetes
Python
Jupyter
Data Science
Apache Spark
TypeScript
AWS
Development Operations (DevOps)
Databricks
Requirements
  • 5+ years of software engineering experience
  • Experience building and maintaining backend software services and APIs
  • Experience with big data, ETL, cloud compute, services, containerization, continuous integration and deployment (CI/CD), and testing frameworks
  • Experience with some or many of the following: Python, Typescript, interactive notebooks (Jupyter/Databricks), and AWS
  • Good understanding of software development principles and best practices for creating scalable and maintainable systems
  • Familiarity with cluster compute architectures (i.e.: Kubernetes, serverless architectures such as AWS Lambda, Batch), Databricks, and/or Spark ETL
  • Excellent quantitative reasoning skills with interest in working at the intersection of engineering and machine learning
  • Strong sense of ownership and accountability for the quality and timely delivery of work
  • Proven ability to effectively analyze and solve complex problems
  • Excellent written and verbal communication skills with stakeholders, peers and product owners
  • Ability to thrive both in self-directed work environments and in collaborative settings, contributing positively to team dynamics
Responsibilities
  • Build, maintain, and optimize high-quality software applications that enable machine learning models to be applied to the ever-evolving needs of the business
  • Develop the scaffolding, tooling, and infrastructure that allows research scientists to iterate and train large scale machine learning models
  • Enable rapid experimentation and iteration in model training code so that we can continuously improve our models
  • Build the infrastructure that provides research scientists the ability to access the data and features they need to enhance our models
  • Work with Data Engineers, DevOps Engineers, and Research Scientists to ensure that model training and deployment is a repeatable process that relies heavily on automation and workflows (not humans)

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. The company's goal is to make borrowing more accessible and efficient for everyone.

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

  • Recent partnerships with credit unions indicate growing trust in Upstart's AI lending solutions.
  • Blue Owl's $2 billion loan acquisition shows strong market demand for Upstart's offerings.
  • Successful fundraising of $425M and $375M notes reflects investor confidence in Upstart.

What critics are saying

  • Rising interest rates may reduce consumer demand for Upstart's loans.
  • Increased competition from AI-driven platforms could erode Upstart's market share.
  • Regulatory scrutiny on AI models may increase compliance costs for Upstart.

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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