Software Engineer, Upstart
Onboarding Experience
$142-196.6k
+ Bonus, Employee Stock Purchase plan and equity
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$142-196.6k
+ Bonus, Employee Stock Purchase plan and equity
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Ability to quickly comprehend and reiterate complex requirements from product or engineering leadership and translate those to both technical and non-technical stakeholders
- Experience taking initiative to lead or own an important piece of small to medium sized projects involving 1 or more other Engineers, only escalating after trying your best first
- 4+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying high standards for user-experience, and a product-first mindset
- Proficiency coding in production with 1 or more programming languages. Our tech stack includes Ruby on Rails, and Javascript frameworks such as React and NextJS as well as Kotlin and Python
- Exhibit a growth mindset - you’re comfortable with the uncomfortable, and are not afraid to pick up new technologies that are best for the task, and seek out opportunities to learn from others
- Exhibit a bias for action and comfortability persevering through ambiguity - you regularly practice critical thinking and love to solve difficult problems
- You seek out and appreciate constructive feedback
Desirable
- Experience with full stack web development with Ruby on Rails, React, and cloud-native development (AWS preferred)
- Knowledge of, or hands-on experience utilizing advanced CI/CD technologies including infrastructure as code
What the job involves
- Upstart’s Onboarding Experience team is dedicated to creating a seamless loan application process that allows customers to quickly and easily complete all steps required to fund their loan
- By building exceptional, customer-centric experiences for both Upstart borrowers and internal Operations teams, this team plays a crucial role in making Upstart the premier destination for consumer credit
- This team focuses on our flagship product, Personal Loans, and directly impacts our growth in this business by reducing friction for applicants and improving the efficiency of our operations
- As a Software Engineer at Upstart on the Onboarding Experience team, you will work across the whole stack, partnering with Engineering, Product, and other internal teams on both existing and greenfield projects
- You’ll deliver work with a focus on quality, testability, resiliency, extensibility, and maintainability while always keeping our end users in mind
- Work within all areas of the platform or product, from our web interfaces and 3rd party API integrations, to backend business logic
- Move quickly to drive existing and greenfield projects forward, while always keeping our end users in mind
- Make architectural contributions and decisions to improve the reliability of our software and maintainability of our code base
- Help us build our engineering team, and make Upstart a genuinely awesome place to work
- Communicate closely with cross-functional partners, keeping all stakeholders informed
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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