Software Engineer, Upstart
Consumer Platform
$142-196k
+ bonus + equity
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$142-196k
+ bonus + equity
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Bachelors degree in Computer Science, Engineering, or related field
- 4–6 years of professional software engineering experience, ideally in fullstack development
- 4+ years of hands-on experience with Kotlin, Java, or Ruby (Upstart uses Kotlin and Ruby on the backend)
- Experience with modern JavaScript frameworks such as React
- Familiarity with SQL databases and domain modeling
- Strong communication skills and ability to represent technical work in cross-functional settings
Desirable
- Experience designing APIs and working with microservices
- Experience building reusable frontend components leveraged by different teams
- Proven track record of making strategic contributions beyond individual features or projects, and a passion for improving team performance in code quality and system reliability
- Interest in or experience with product platform engineering or serving internal product teams
- Demonstrate strong end-to-end ownership for driving initiatives right from ideation to delivery and beyond - rather than simply executing on instructions
What the job involves
- Consumer Platform’s mission is to ensure consumers are treated as individuals beyond their transactions
- We build the foundation that powers personalized experiences across Upstart’s products—helping us understand and support our consumers as individuals
- Engineers on this team think long-term, prioritize strategic clarity, and are deeply invested in data accuracy and freshness
- As a core product platform team we also partner cross-functionally with product and engineering teams to create scalable systems that ensure a seamless consumer experience
- As a Software Engineer on the Consumer Platform team, you’ll be at the heart of our efforts to build a scalable, multi-product platform that deepens our relationship with users
- In addition to utilizing our current technology stack (AWS, Kafka, Ruby, Kotlin, React, Next.js), your contributions will extend in the following impactful ways:
- Designing and developing resilient services that serve internal product teams and directly impact the consumer experience
- Taking initiative beyond assigned Jira tasks, proactively identifying opportunities to elevate product and code quality
- Helping to shape up the technical direction and improve engineering excellence by proposing and leading impactful initiatives
- Using your fullstack skills to create maintainable solutions, working across backend systems (Kotlin, Ruby) and frontend frameworks (React, Next.js)
- Collaborating closely with cross-functional teams and internal stakeholders, communicating technical ideas clearly and effectively
- This team has regular on-site collaboration sessions. These occur 3 days per quarter at an Upstart office
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
-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 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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