Software Engineer, Upstart
Lifecycle
$142-196.6k
+ bonus opportunities, and annual equity grants that vest quarterly
More information about location
AI lending marketplace
Be an early applicant
AI lending marketplace
1001+ employees
Be an early applicant
$142-196.6k
+ bonus opportunities, and annual equity grants that vest quarterly
More information about location
1001+ employees
Company mission
To enable effortless credit based on true risk.
Role
Who you are
- Bachelor’s degree in Computer Science, Engineering, or Mathematics, or a related field (or its equivalent) + 3 years of experience
- Experience building and operating microservices and APIs in a cloud environment (preferably AWS)
- Proficiency in at least one backend language such as Kotlin, Java, Ruby, or Python
- Demonstrated ability to independently execute on projects, navigate ambiguity, and collaborate effectively with cross-functional partners
- Excellent written and verbal communication skills with the ability to work in a distributed team
Desirable
- Experience supporting Marketing, Growth, or GTM teams, particularly in environments involving CDPs, customer segmentation, or campaign orchestration
- Experience with reverse ETL tools (e.g., Hightouch, Census), data pipeline tooling (e.g., Airbyte, Fivetran, Databricks), or marketing automation platforms (e.g.,Iterable, Braze, or Salesforce Marketing Cloud)
- Familiarity with real-time event streaming systems and high-throughput messaging architectures
- Experience integrating with third-party APIs and building systems that ingest, transform, and expose large volumes of data
- Track record of leading medium-to-large projects and contributing to system design decisions with long-term platform impact
What the job involves
- Upstart’s Lifecycle Platform team develops innovative solutions, strategies, and systems that enable personalized, timely communication with millions of current and prospective customers
- We build and scale the platforms behind preference management, email, SMS, push notifications, and emerging channels—ensuring the right message reaches the right user at the right time
- As a Software Engineer II on the team, you will be part of the broader Growth organization and partner closely with Lifecycle Marketing, Distribution, Insights, Data Platform, Analytics, and ML teams
- We are the technical thought leaders and subject matter experts for outbound communications across the company
- Our mission is to design and operate the infrastructure that transforms rich customer data into actionable, high-impact engagement
- This team operates with speed and ownership
- We deploy frequently, unblock ourselves, and hold a high bar for accountability
- We are not a siloed engineering team—we collaborate deeply with cross-functional stakeholders and play a central role in shaping the future of Upstart’s marketing platforms
- Design and build scalable backend services that power our unified communications platform across SMS, email, push, and future channels
- Develop systems for real-time, event-triggered messaging and self-serve marketing automation and experimentation capabilities
- Translate large, complex datasets into high-leverage marketing capabilities through APIs, streaming pipelines, and reverse ETL workflows
- Partner closely with product managers, lifecycle marketing, data insights, analytics, and data platform teams to define requirements and deliver impactful, data-driven solutions
- Lead medium-sized projects independently—proactively identifying risks, managing ambiguity, and driving execution from design through launch
- Strengthen our engineering culture by improving system reliability, accelerating iteration, and clearly communicating technical trade-offs to cross-functional stakeholders
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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