Software Engineer, Upstart
Home Lending Growth
$136.6-189k
+ Bonus + Equity
More information about location
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$136.6-189k
+ Bonus + Equity
More information about location
1001+ employees
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
Company Specialist at Welcome to the Jungle
Insights
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
Articles
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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