Software Engineer, Upstart

Home Lending Growth

$136.6-189k

+ Bonus + Equity

SQL
React
AWS
JavaScript
C#
Java
Kafka
Postgres
Excel
Ruby
Kotlin
Spring
Zoom
Mid and Senior level
Remote in US

More information about location

Upstart

AI lending marketplace

Open for applications

Upstart

AI lending marketplace

1001+ employees

B2CMarketplaceLendingFinancial Services

Open for applications

$136.6-189k

+ Bonus + Equity

SQL
React
AWS
JavaScript
C#
Java
Kafka
Postgres
Excel
Ruby
Kotlin
Spring
Zoom
Mid and Senior level
Remote in US

More information about location

1001+ employees

B2CMarketplaceLendingFinancial Services

Company mission

To enable effortless credit based on true risk.

Role

Who you are

  • You thrive on autonomy and novelty and work best in small, diverse, cross-functional teams
  • While you might currently specialize in the frontend or the backend, you’re eager to learn both well
  • And since you’ll be working across various codebases, your curiosity is a driving force for speed
  • 3+ years professional experience in fullstack software
  • 3+ years proficiency in Ruby, Kotlin, Java, or C#. (Our backend is Ruby and Kotlin, but Java and C# are similar enough that you can learn on the job.)
  • Some hands-on experience with a JavaScript framework like React
  • Some hands-on experience with SQL databases and domain modeling

Desirable

  • Excellent written and verbal communication. As an engineer, a big part of your job will be representing your projects in cross-functional conversations, and you’ll need to tailor your communication style to fit these different audiences’ needs
  • Preference for face-time and synchronous collaboration. We’re a distributed team of remote workers (from coast to coast), and we prefer facetime when collaborating in a tight feedback loop. You’ll need to be comfortable with a few hours of Zoom per day to excel in this role
  • Comfortable challenging authority. We want engineers who can push back on their managers and partners when they think we’re going down the wrong path. Related: you thrive in environments where you are expected to think like an owner and make decisions like one

What the job involves

  • You’ll be the first engineer on our newest sub-team: Home Lending Growth
  • Your mission: expand the product’s reach
  • You’ll partner daily with a PM, a marketer, an ML specialist, and an analyst, delivering features across email, SMS, web, and partner sites
  • You’ll work heavily across teams and at times across companies
  • Proactively search out ways to make an impact beyond the Jira board
  • Turn feature-specific tasks into opportunities to up-level the team’s codebase and product
  • Know the product intimately enough to propose changes to requirements when we need to find a middle path
  • Propose and deliver new ideas that achieve meaningful improvements to our team’s metrics

Our take

Business startups across the world usually seek out funding, but this is often difficult for companies led by millenials. Millennial entrepreneurs with an excellent track record in business are increasingly requiring access to these loans, but their lack of credit history results in proposals frequently being declined.

Upstart provides loans that are aimed towards the target audience of millennials with entrepreneurial intentions, offering low interest rates that average at 12%. The company claims these rates are 10% lower than traditional lenders, and the service aims towards ensuring that the client is subject to no further fees (such as prepayment penalties).

Upstart claims that its unique selling point lies in the fact that its loans are funded the day after approval. Whilst the service focuses on personal loans for business, the company has also expanded to offer loans for car refinancing. Over 2022 and 23, Upstart's stocks fell dramatically and an investigation was undertaken by a law firm representing the company's long-term investors over alleged security law violations by its board of directors. However, the end of 2023 saw a 20% stock value rise for Upstart after its partnership with Mutual Security Credit Union led to a rise in customers, indicating that it is on the up after a difficult two years.

Freddie headshot

Freddie

Company Specialist at Welcome to the Jungle

Insights

Top investors

Few candidates hear
back within 2 weeks

-16% employee growth in 12 months

Company

Funding (last 2 of 6 rounds)

Apr 2019

$50m

SERIES D

Mar 2017

$32.5m

SERIES D

Total funding: $135.7m

Company benefits

  • Comprehensive health plans
  • 401k Plan
  • Life insurance
  • Disability insuranc
  • Generous vacation policy
  • Flexible time off
  • Parental leave
  • Technology equipment budget
  • Personal development budget
  • Various clubs and extracurricular activities
  • Catered lunches
  • Fully-stocked micro-kitchen

Company values

  • Every second counts
  • Do the right thing even when it's hard
  • Make clever use of numbers
  • Be smart and know you might be wrong
  • Don't assume it can be done

Company HQ

South San Mateo, San Mateo, CA

Leadership

David Girouard

(CEO)

They started their career at Accenture and Booz Allen & Hamilton before working in Product Management at Apple and Virage. They left their role of 8 years as President of Enterprise at Google to found Upstart in March 2012.

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