Software Engineer, Upstart
Home Lending
$142-196.6k
+ Employee Stock Purchase Plan + Target bonuses
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$142-196.6k
+ Employee Stock Purchase Plan + Target bonuses
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- You're a self-starter that's able to leverage tools in your toolbelt to pave your own path forward to progress and deliver work with quality, testability, resiliency, and maintainability in mind
- You may currently specialize on the frontend (React) or backend (Kotlin), but you're looking to get your hands into both areas of the stack
- You're eager to learn and grow as an individual but also enjoy helping your team come along for the ride
- 4+ years professional experience in fullstack software
- 4+ years proficiency in Kotlin, Java, or C#. (Our backend is in 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 skills
- Preference for face-time and synchronous collaboration. We’re a distributed team of remote workers (from coast to coast), and while we predominantly build asynchronously, we prefer facetime when collaborating in a tight feedback loop
- You’ll need to be comfortable with a few hours of Zoom per day (e.g. mob programming) to excel in this role
- Comfortable challenging authority. We want engineers who can push back on their managers 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
- As a software engineer on the Home Lending team, you’ll help build and grow Upstart’s 2 newest products: HELOC and Mortgage
- We want our team to reflect the people we’re serving
- To serve customers at the fringes, we need people who think at the fringes—weird, quirky, out-of-the-box do-ers who reason from first principles and not from the status quo
- We leave our ego at the door and crave being proven wrong
- We're a high-empathy team, and we succeed as a team first, individuals second
- As an engineer on one of Upstart’s newest teams, you’ll work closely with cross-functional partners, working across the whole stack
- Beyond leveraging our existing tech (AWS, Kafka, Spring Boot, Next.js, Kubernetes, Kotlin, React), here’s how you’ll make an impact:
- 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
- Contribute in a meaningful way to quality improvements within our team
- 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
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 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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