Software Engineer, Upstart
Consumer Platform
$113.8-157.5k
+ Bonus & Equity
More information about location
AI lending marketplace
Open for applications
AI lending marketplace
1001+ employees
Open for applications
$113.8-157.5k
+ 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 (or equivalent practical experience)
- Up to 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
- 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 I (L3) on Consumer Platform, 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
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.
Salary benchmarks
We don't have enough data yet to provide salary benchmarks for this role.
Submit your salary to help other candidates with crowdsourced salary estimates.
Share this job
View 66 more jobs at Upstart