Software Engineer, Upstart
Core Pricing
$142-196.6k
+ Target bonus + Equity + Employee Stock Purchase Plan
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$142-196.6k
+ Target 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
- 3+ years of professional software development experience building scalable public or consumer-facing web and/or mobile products displaying a passion for user-experience, and a product-first mindset
- High level of proficiency coding in production with Python, Kotlin, or Go or languages with similar syntax
- Exhibits a growth mindset - you’re not afraid to pick up new technologies that are best for the task, and learn from others
- Experience with building scalable APIs and microservices in a cloud-based environment (e.g., AWS, GCP).Familiarity with data modeling, pricing algorithms, or fintech products is a plus
- Ability to work in a collaborative, agile environment and manage competing priorities
- Strong problem-solving skills with an emphasis on scalability and performance
- Excellent communication skills, able to explain complex technical topics to non-technical stakeholders
- Proven ability to influence technical and non-technical stakeholders, overcoming objections by presenting evidence through data
- Proven success independently leading small engineering teams on complex, multi-month initiatives meeting challenging but realistic deadline
- Exhibits a bias for action and comfortability persevering through ambiguity - you regularly practice critical thinking and love to solve difficult problems
- Exhibits a passion for mentorship and coaching junior-mid level Engineers
Desirable
- Background in finance / fintech, financial mathematics, statistics, or machine learning
- History of thriving in a variety of work environments: both collaborative and self-directed; remote and in-person
- Well versed with microservices, distributed systems, and cloud-native development (AWS or GCP preferred)
- Knowledge of, or hands-on experience utilizing advanced CI/CD technologies with a focus on infrastructure/everything as code
- Contributes to the open-source community, educates others on software development best practices, or spends time outside of work staying up with the latest trends in modern SDLC
- You are the Subject Matter Expert or go-to for an important domain on your current or previous team, and love to teach others about it
What the job involves
- Upstart’s Core Pricing team drives key initiatives that directly influence Upstart’s revenue streams and product strategies
- This includes developing the common systems used to calculate risk and profitability for each loan we originate, as well as providing a top-notch borrower experience by supporting our product development teams
- You will be joining a dynamic, cross-functional team that works closely with data scientists, product managers, and business stakeholders to deliver scalable, high-impact solutions
- As a Software Engineer at Upstart, you will implement and maintain features that manage the pricing process for all of Upstart’s product lines, ensuring that the output of ML underwriting models are accurately converted to measures of risk and profitability
- You'll also contribute to the development of our product lines through the addition of new pricing features to increase borrower conversion and profitability per loan
- Work closely with cross-functional teams to understand business goals and translate them into technical requirements
- Develop robust, high-performance services that enable real-time pricing decisions
- Optimize and refactor code for scalability and efficiency, ensuring low-latency responses in our pricing engines
- Maintain and evolve our API infrastructure to support the growing volume of products and integrations
- Ensure the quality and reliability of pricing models by writing unit and integration tests, participating in code reviews, and monitoring production systems
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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