Software Engineer, Upstart
Merchandising
$142-196.6k
+ Bonus & Equity + Employee Stock Purchase Plan
More information about location
AI lending marketplace
Job no longer available
AI lending marketplace
1001+ employees
Job no longer available
$142-196.6k
+ Bonus & Equity + Employee Stock Purchase Plan
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 (or equivalent practical experience)
- 4+ years of professional software development experience - this can include internships or co-ops at tech companies
- Familiarity in at least one backend language (Kotlin, Java, or Ruby)
- Familiarity with modern JavaScript frameworks such as React/Next.js & Frontend development
- Familiarity with SQL databases and domain modeling
- Strong communication skills and ability to represent technical work in cross-functional settings
- This team operates across all U.S. time zones
Desirable
- Internship or bootcamp experience at a software company, demonstrating end-to-end project contributions
- Exposure to cloud-native environments (AWS) and messaging systems (Kafka)
- Basic understanding of API design and microservices principles
- Familiarity with automated testing frameworks and continuous integration workflows
- Interest in platform engineering and passion for building internal tools and libraries
- Demonstrated ownership of small-scale projects, from requirement gathering through to deployment and monitoring
What the job involves
- Merchandising’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 Merchandising, you’ll work under guidance to deliver high-quality features within our platform and learn to take increasing ownership of your deliverables
- Build reliable feature-level services. Collaborate with senior engineers to design and develop resilient backend components (Kotlin/Ruby) that serve internal product teams
- Contribute to full-stack tasks. Ship front-end work in React/Next.js and backend endpoints, ensuring your code is tested, documented, and reviewed
- Resolve bugs and production issues. Learn to debug common issues in your feature space, follow runbooks, and participate in on-call rotations with mentorship
- Drive small enhancements. Identify opportunities to improve code quality or developer workflows (e.g., add tests, improve logging) and propose changes
- Communicate effectively. Ask clarifying questions, share progress in stand-ups, and solicit feedback in design and code reviews
Our take
Based in San Mateo, California, Upstart is piositioning itself as a leading AI lending marketplace, connecting millions of consumers with more than 100 banks and credit unions. In a market where credit access can be limited by traditional scoring methods, Upstart aims to make lending fairer and more accessible by using technology to better understand each borrowers true potential.
Upstart builds AI and cloud-based tools that help lenders approve more borrowers at lower rates. Its models analyze thousands of variables (not just credit scores) to predict creditworthiness more accurately. And through its platform, consumers can access personal, auto, and home-equity loans, as well as smaller "relief" loans, all through a seamless digital experience.
So far, its success is reflected in its high loan automation rate (over 90% of loans are fully processed without human intervention) and the billions in loan originations it has facilitated. The company continues to refine its AI models and expand its offerings, with the goal of helping lenders serve more customers while making borrowing easier and more affordable.
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
- Annual wellness reimbursement
- Disability insurance
- Generous vacation policy
- Flexible time off
- Parental leave
- Family forming benefits through Carrot
- 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
(Founder & 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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